📊 ANG-PD Key Takeaways
Is American National Group Inc. (ANG-PD) a Good Investment?
American National Group demonstrates solid operational fundamentals with strong revenue growth of 75.8% YoY and robust free cash flow generation of $1.6B, indicating effective capital deployment. However, profitability metrics are concerning with net margin of only 2.5%, ROE of 1.5%, and diluted EPS declining 90% YoY despite revenue growth, suggesting operational efficiency challenges or one-time costs that warrant investigation.
American National Group shows solid balance-sheet stability, strong cash generation, and manageable leverage, which are important positives for a life insurer. However, the quality of growth looks mixed because revenue surged 75.8% while net income rose only 4.7%, margins remain thin, and EPS fell sharply, pointing to weak earnings conversion and limited profitability relative to its asset and equity base.
Why Buy American National Group Inc. Stock? ANG-PD Key Strengths
- Exceptional revenue growth of 75.8% YoY demonstrating strong market demand
- Robust free cash flow of $1.6B with 24.2% FCF margin indicating quality earnings and capital generation
- Conservative capital structure with Debt/Equity ratio of 0.31x and strong interest coverage of 23.4x
- Substantial cash position of $11.6B providing financial flexibility
- Strong free cash flow generation with $1.59B of FCF and a 24.2% FCF margin
- Large cash position of $11.57B supports liquidity and financial flexibility
- Moderate leverage and strong interest coverage indicate manageable balance-sheet risk
ANG-PD Stock Risks: American National Group Inc. Investment Risks
- Severe profitability compression with net margin of only 2.5% despite significant revenue growth, indicating margin pressure or operational headwinds
- Dramatic 90% YoY decline in diluted EPS contradicts positive revenue growth, suggesting deteriorating per-share economics
- Extremely low ROE of 1.5% and ROA of 0.1% indicate poor capital efficiency relative to the $130.6B asset base
- Zero insider Form 4 filings in last 90 days provides no positive signal of management confidence
- Very weak profitability metrics with 1.5% ROE and 0.1% ROA
- Revenue growth materially outpaced net income growth, suggesting low-quality or low-margin expansion
- Diluted EPS declined 90.0% YoY, raising concern about earnings durability or capital structure effects
Key Metrics to Watch
- Net margin trend and breakdown of 75.8% revenue growth to identify if driven by pricing, volume, or acquisitions
- Return on Equity trajectory and operating leverage as revenue scales
- EPS recovery and reconciliation of strong FCF generation against weak net income and EPS metrics
- ROE improvement and net margin expansion
- Consistency between revenue growth, net income growth, and diluted EPS
American National Group Inc. (ANG-PD) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 24.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
ANG-PD Profit Margin, ROE & Profitability Analysis
ANG-PD vs Finance Sector: How American National Group Inc. Compares
How American National Group Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is American National Group Inc. Stock Overvalued? ANG-PD Valuation Analysis 2026
Based on fundamental analysis, American National Group Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
American National Group Inc. Balance Sheet: ANG-PD Debt, Cash & Liquidity
ANG-PD Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: American National Group Inc.'s revenue has grown significantly by 104% over the 5-year period, indicating strong business expansion. The most recent EPS of $5.39 reflects profitable operations.
ANG-PD Revenue Growth, EPS Growth & YoY Performance
ANG-PD Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $2.0B | $80.0M | N/A |
| Q2 2025 | $2.1B | -$54.0M | N/A |
| Q1 2025 | $1.7B | $113.0M | N/A |
| Q3 2024 | $1.3B | $54.0M | N/A |
| Q2 2024 | $1.5B | $101.0M | N/A |
| Q1 2024 | $662.5M | -$156.0M | $-2.00 |
| Q3 2023 | $266.7M | $444.9M | $4.90 |
| Q2 2023 | $121.6M | $199.4M | $2.17 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
American National Group Inc. Dividends, Buybacks & Capital Allocation
ANG-PD SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for American National Group Inc. (CIK: 0001039828)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ANG-PD
What is the AI rating for ANG-PD?
American National Group Inc. (ANG-PD) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 69% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are ANG-PD's key strengths?
Claude: Exceptional revenue growth of 75.8% YoY demonstrating strong market demand. Robust free cash flow of $1.6B with 24.2% FCF margin indicating quality earnings and capital generation. ChatGPT: Strong free cash flow generation with $1.59B of FCF and a 24.2% FCF margin. Large cash position of $11.57B supports liquidity and financial flexibility.
What are the risks of investing in ANG-PD?
Claude: Severe profitability compression with net margin of only 2.5% despite significant revenue growth, indicating margin pressure or operational headwinds. Dramatic 90% YoY decline in diluted EPS contradicts positive revenue growth, suggesting deteriorating per-share economics. ChatGPT: Very weak profitability metrics with 1.5% ROE and 0.1% ROA. Revenue growth materially outpaced net income growth, suggesting low-quality or low-margin expansion.
What is ANG-PD's revenue and growth?
American National Group Inc. reported revenue of $6.6B.
Does ANG-PD pay dividends?
American National Group Inc. pays dividends, with $41.0M distributed to shareholders in the trailing twelve months.
Where can I find ANG-PD SEC filings?
Official SEC filings for American National Group Inc. (CIK: 0001039828) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ANG-PD's EPS?
American National Group Inc. has a diluted EPS of $4.13.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ANG-PD a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, American National Group Inc. has a HOLD rating with 69% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is ANG-PD stock overvalued or undervalued?
Valuation metrics for ANG-PD: ROE of 1.5% (sector avg: 12%), net margin of 2.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy ANG-PD stock in 2026?
Our dual AI analysis gives American National Group Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is ANG-PD's free cash flow?
American National Group Inc.'s operating cash flow is $1.6B, with capital expenditures of $42.0M. FCF margin is 24.2%.
How does ANG-PD compare to other Finance stocks?
Vs Finance sector averages: Net margin 2.5% (avg: 25%), ROE 1.5% (avg: 12%), current ratio N/A (avg: 1.2).