StockData

American National Group Inc. (ANG.PD) stock analysis

ANG.PDNYSELife InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 12, 2026Score 10/30
$20.94−0.55 (-2.56%)

Close on Nov 12, 2026Market cap $209.40KP/E –Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth2Performance1Health0Dividend6

Mixed10 of 30 checks passed

American National passes 10 of the 30 checks behind our score; 16 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
2/6
Past performance
1/6
Financial health
0/6
Dividend
6/6

What stands out

  • Revenue growing 10%+ a year

    Revenue grew 74.3% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 157% over the last twelve months, against a 5-year average of -4.5% a year.

  • Covered by free cash flow

    Dividends take 1.1% of free cash flow.

  • Covered by earnings

    Dividends take 3.9% of net income.

What to watch

  • Earnings shrank over 5 years

    Net income shrank 4.5% a year on average over the last five fiscal years.

  • Growing slower than the industry

    Revenue grew -14.2% over the last twelve months; the Life Insurance median is 7.1%.

  • Return on assets under 1%

    Return on assets was 0.6%; for a bank or insurer, 1% or more is considered good.

  • Net margin below its 5-year average

    Net margin was 12.6% over the last twelve months, against a 5-year average of 35.8%.

Valuation1/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    American National's price-to-sales of 0.00 is below the Life Insurance median of 0.67.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing 10%+ a year

    Revenue grew 74.3% a year over the last three fiscal years.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings growth accelerating

    Net income grew 157% over the last twelve months, against a 5-year average of -4.5% a year.

  • Growing slower than the industry

    Revenue grew -14.2% over the last twelve months; the Life Insurance median is 7.1%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance1/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets under 1%

    Return on assets was 0.6%; for a bank or insurer, 1% or more is considered good.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings shrank over 5 years

    Net income shrank 4.5% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 12.6% over the last twelve months, against a 5-year average of 35.8%.

  • Net margin above the industry

    American National's net margin of 12.6% is above the Life Insurance median of 8.1%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend6/6

  • Pays a dividend

    American National paid dividends worth 8.6% of the share price over the last twelve months.

  • Yield above Treasuries

    The 8.6% yield is above the 4.4% on a 1-year Treasury.

  • Yield in the top quarter

    The top quarter of US dividend payers yield 3.8% or more; American National yields 8.6%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 7 fiscal years.

  • Covered by earnings

    Dividends take 3.9% of net income.

  • Covered by free cash flow

    Dividends take 1.1% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for American National. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$581.26K
Value traded per 1% price move
$641.40K

Downside

Low risk

Typical loss in a bad month
7.8%
Volatility (annualized)
11%
Sharpe ratio, 1 year
-1.79
Beta to the S&P 500 (5Y)
0.15

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

7.1%−20.6 pts over 5 years

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