•
Dec 31, 2022

AFG Q4 2022 Earnings Report

AFG reported net earnings of $276 million, or $3.24 per share, and core net operating earnings of $255 million, or $2.99 per share, for Q4 2022. The company's specialty P&C businesses had a strong quarter, with record full-year underwriting profit and pretax P&C core operating earnings.

Key Takeaways

American Financial Group (AFG) reported a decrease in both net earnings and core net operating earnings for the fourth quarter of 2022 compared to the same period in 2021. However, the company achieved record full-year underwriting profit and pretax P&C core operating earnings in its specialty P&C businesses. AFG's board declared a special cash dividend of $4.00 per share.

Net earnings per share were $3.24 in the fourth quarter.

Core net operating earnings per share were $2.99 in the fourth quarter.

Full year 2022 core operating ROE was 21.2%.

A special cash dividend of $4.00 per share was declared, payable February 28, 2023.

Total Revenue
$1.62B
Previous year: $1.45B
+11.8%
EPS
$2.99
Previous year: $4.12
-27.4%
Gross Profit
$1.93B
Previous year: $1.76B
+9.7%
Cash and Equivalents
$14.5B
Previous year: $1.86B
+680.2%
Total Assets
$28.8B
Previous year: $15.7B
+83.1%

AFG

AFG

AFG Revenue by Segment

Forward Guidance

AFG has established its initial guidance for 2023 core net operating earnings in the range of $11.00 to $12.00 per share, which would produce a core return on equity of over 20% at the midpoint.

Revenue & Expenses

Visualization of income flow from segment revenue to net income