American National (ANG-PD) Stock Price, Financials & Analysis

Key Stats

Market Cap1.87 Bn

P/E2.07

P/S0.29

Div. Yield0.00

Total Debt (Qtr)2.96 Bn

Revenue Growth (1y) (Qtr)1.49

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About

American National Group Inc. is focused on being a source of certainty for individuals and institutions through a range of insurance and retirement services. The company operates through its subsidiaries in all fifty states the District of Columbia Bermuda Guam and Puerto Rico providing annuity and life insurance products. Revenue comes from premiums on fixed index annuities fixed rate annuities pension risk transfer funding agreements and single premium immediate annuities…

Revenue comes from premiums on fixed index annuities fixed rate annuities pension risk transfer funding agreements and single premium immediate annuities as well as from whole life universal life and variable universal life policies.

The company operates through the following segments: Annuities and Life Insurance.

Annuities: This segment offers retail and institutional annuities including fixed index annuities fixed rate annuities such as multi year guaranteed annuities and single premium deferred annuities pension risk transfer transactions funding agreements and single premium immediate annuities generating $7.2 billion in revenue for 2025 $6.8 billion for 2024 and $2.0 billion for 2023.
Life Insurance: This segment provides whole life universal life and variable universal life policies with the company having ceased issuing new policies through multiple line and independent agent channels after May 31 2025 while continuing offerings through its career agent channel generating $603 million in revenue for 2025 $1.0 billion for 2024 and $1.2 billion for 2023.

The company operates in a highly competitive insurance market where it faces competition from large national carriers regional insurers financial institutions and alternative asset managers. Competitive advantages stem from its strong financial strength ratings reflected in A ratings from A M Best and Fitch and BBB ratings from S&P which support its ability to meet policyholder obligations and access funding. Additionally its relationship with Brookfield Asset Management provides access to high quality alternative investments that match its long term liabilities.

The company serves individuals seeking retirement and life insurance protection as well as institutional clients such as corporate pension plans special purpose trusts and other financial intermediaries that purchase funding agreements or engage in pension risk transfer transactions.

How American National ranks

Ranked against the 117 companies in Insurance58 metrics · as of Oct 16, 2026

Valuation

12 metrics · Lower multiples rank higher; a negative multiple ranks last

P/E 2.08xMedian 10.6x 99^th
P/FCF —Median 8.11x No data —
P/Operating cash flow —Median 7.60x No data —
P/S 0.30xMedian 1.28x 94^th
P/B 0.22xMedian 1.46x 96^th
P/Tangible book 0.26xMedian 1.46x 96^th
EV/EBITDA —Median 7.78x No data —
EV/EBITNet cash exceeds market value 11.0xMedian 8.26x Not meaningful —
EV/RevenueNet cash exceeds market value −0.64xMedian 1.25x Not meaningful —
EV/FCF —Median 8.51x No data —
EV/Operating cash flow —Median 7.73x No data —
PEG (3Y EPS CAGR) 0.18Median 0.40 70^th

Growth

14 metrics · Year-on-year growth and three-year compound annual growth

Revenue growth (1Y) −18.1%Median 7.7% 3^rd
Revenue CAGR (3Y) 24.4%Median 8.4% 87^th
Gross profit growth (1Y) 15.3%Median 13.7% 56^th
Gross profit CAGR (3Y) 20.2%Median 13.4% 65^th
Operating income growth (1Y) 88.4%Median 11.4% 87^th
Operating income CAGR (3Y) 12.0%Median 7.7% 58^th
Net income growth (1Y) 259%Median 27.3% 93^rd
Net income CAGR (3Y) 31.1%Median 21.3% 63^rd
EPS growth (1Y) 270%Median 30.3% 90^th
EPS CAGR (3Y) 11.9%Median 22.3% 35^th
Operating cash flow growth (1Y) —Median 8.6% No data —
Operating cash flow CAGR (3Y) —Median 16.9% No data —
Free cash flow growth (1Y) —Median 8.8% No data —
Free cash flow CAGR (3Y) —Median 17.1% No data —

Profitability

14 metrics · Margins, returns on capital and the quality of earnings

Gross margin 80.3%Median 55.5% 83^rd
EBITDA margin —Median 3.1% No data —
Operating margin −5.8%Median −19.0% 61^st
Pretax margin 13.8%Median 14.5% 47^th
Net margin 14.2%Median 11.3% 63^rd
FCF margin —Median 17.5% No data —
Operating cash flow margin —Median 18.2% No data —
Return on equity 10.4%Median 13.9% 34^th
Return on assets 0.7%Median 3.6% 23^rd
Return on invested capital −2.7%Median −3.4% 51^st
Return on capital employed —Median 10.6% No data —
Asset turnover 0.05xMedian 0.27x 6^th
Cash conversion (OCF / net income) —Median 1.40x No data —
Stock comp / revenue —Median 1.0% No data —

Financial Health

11 metrics · Leverage, liquidity and solvency; less debt ranks higher

Debt / assets 2.2%Median 5.8% 77^th
Debt / equity 0.34xMedian 0.27x 39^th
Net debt / EBITDA —Median 0.41x No data —
Debt / FCF —Median 1.27x No data —
Liabilities / assets 93.4%Median 76.7% 16^th
Equity / assets 6.6%Median 23.5% 16^th
Interest coverage −2.04xMedian −1.97x 49^th
Current ratio —Median 1.44x No data —
Quick ratio —Median 0.97x No data —
Cash ratio —Median 0.27x No data —
Altman Z-score —Median 1.59 No data —

S.No.	Ticker	Company	Market Cap	P/E	P/S	Total Debt (Qtr)
1	CB	Chubb Ltd	138.09 Bn	12.35	2.23	18.54 Bn
2	PGR	Progressive Corp/Oh/	127.57 Bn	10.91	1.40	8.39 Bn
3	MRSH	Marsh & Mclennan Companies, Inc.	89.82 Bn	22.23	3.16	20.53 Bn
4	TRV	Travelers Companies, Inc.	80.92 Bn	9.75	1.65	9.07 Bn
5	MFC	Manulife Financial Corp	75.09 Bn	15.83	1.58	46.19 Bn
6	AJG	Arthur J. Gallagher & Co.	64.98 Bn	41.39	4.12	13.48 Bn
7	MET	Metlife Inc	64.10 Bn	18.63	0.81	5.89 Bn
8	ANG-PD	American National Group Inc.	1.87 Bn	2.07	0.29	2.96 Bn

S.No.

Ticker

Company

Market Cap

P/E

P/S

Total Debt (Qtr)

Chubb Ltd

138.09 Bn

12.35

2.23

18.54 Bn

PGR

Progressive Corp/Oh/

127.57 Bn

10.91

1.40

8.39 Bn

MRSH

Marsh & Mclennan Companies, Inc.

89.82 Bn

22.23

3.16

20.53 Bn

TRV

Travelers Companies, Inc.

80.92 Bn

9.75

1.65

9.07 Bn

MFC

Manulife Financial Corp

75.09 Bn

15.83

1.58

46.19 Bn

AJG

Arthur J. Gallagher & Co.

64.98 Bn

41.39

4.12

13.48 Bn

MET

Metlife Inc

64.10 Bn

18.63

0.81

5.89 Bn

ANG-PD

American National Group Inc.

1.87 Bn

2.07

0.29

2.96 Bn

American National ANG-PD

About

Segments Breakdown of Revenue (2025)

How American National ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

American National ANG-PD

About

Segments Breakdown of Revenue (2025)

How American National ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

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