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American Overseas Group
(OTC:AOREF)
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Rating:70Outperform
Price Target:
$1,155.00
▲(13.24% Upside)
Action:Upgraded
Date:07/03/26
The score is driven mainly by strong financial performance—particularly high-quality cash generation and improving, conservative leverage—supported by an attractive low earnings multiple. These positives are partially offset by weak technical momentum (below key moving averages with negative MACD) and softer recent revenue trend.
Positive Factors
Strong Cash Generation
Strong cash conversion supports earnings quality and provides funds for claims, operations, and capital needs. Although historical cash flow was uneven, the latest period shows materially improved generation and closer alignment with reported profits.
Negative Factors
Revenue Contraction
Declining TTM revenue indicates that business momentum has cooled after stronger growth in 2023–2024. If sustained, weaker top-line scale could constrain premium growth and reduce operating leverage over the next several periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Cash Generation
Strong cash conversion supports earnings quality and provides funds for claims, operations, and capital needs. Although historical cash flow was uneven, the latest period shows materially improved generation and closer alignment with reported profits.
Read all positive factors
American Overseas Group (AOREF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$49.33M
Dividend YieldN/A
Average Volume (3M)1.00
Price to Earnings (P/E)5.0
Beta (1Y)>-0.01
Revenue Growth-6.00%
EPS Growth-11.67%
CountryUS
Employees15
SectorFinancial
Sector Strength70
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)209.73
Shares Outstanding46,979
10 Day Avg. Volume3
30 Day Avg. Volume1
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)1.05
Price to Sales (P/S)0.81
P/FCF Ratio4.37
Enterprise Value/Market Cap0.60
Enterprise Value/Revenue0.40
Enterprise Value/Gross Profit0.56
Enterprise Value/Ebitda1.99
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
American Overseas Group Business Overview & Revenue Model
Company Description
American Overseas Group Limited, an entity incorporated in 1998 and headquartered in Hamilton, Bermuda, offers property and casualty insurance along with reinsurance services through its various subsidiaries. Its operational footprint extends acro...
American Overseas Group Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
78
Positive
Cash Flow
84
Very Positive
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 75.24M | 75.22M | 49.62M | 33.26M | 32.71M |
| Gross Profit | 46.36M | 75.22M | 49.62M | 33.26M | 32.71M |
| EBITDA | 16.15M | 14.47M | 8.22M | 867.22K | -3.05M |
| Net Income | 10.83M | 9.40M | 5.33M | -948.87K | -4.92M |
Balance Sheet | |||||
| Total Assets | 959.83M | 873.47M | 985.22M | 531.22M | 495.21M |
| Cash, Cash Equivalents and Short-Term Investments | 45.98M | 51.46M | 56.85M | 32.21M | 31.91M |
| Total Debt | 17.81M | 20.77M | 20.77M | 19.62M | 16.52M |
| Total Liabilities | 901.49M | 827.59M | 948.62M | 495.59M | 452.14M |
| Stockholders Equity | 58.33M | 45.88M | 36.30M | 30.18M | 37.02M |
Cash Flow | |||||
| Free Cash Flow | 13.97M | 6.12M | 38.21M | 3.31M | 16.78M |
| Operating Cash Flow | 13.97M | 6.12M | 36.09M | 3.31M | 16.78M |
| Investing Cash Flow | -14.51M | -10.17M | -14.19M | -4.04M | -4.65M |
| Financing Cash Flow | -4.94M | -2.31M | -255.02K | 562.80K | -585.25K |
American Overseas Group Technical Analysis
Neutral
1020.00
Price Trends
1125.89
Negative
1176.27
Negative
1238.77
Negative
Market Momentum
-22.79
Negative
48.17
Neutral
39.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AOREF, the sentiment is Neutral. The current price of 1020 is above the 20-day moving average (MA) of 1016.74, below the 50-day MA of 1125.89, and below the 200-day MA of 1238.77, indicating a neutral trend. The MACD of -22.79 indicates Negative momentum. The RSI at 48.17 is Neutral, neither overbought nor oversold. The STOCH value of 39.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AOREF.
American Overseas Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $3.48B | 6.01 | 21.19% | ― | 17.41% | 57.09% | |
79 Outperform | $13.73B | 5.64 | 22.68% | 0.49% | -14.15% | 48.57% | |
78 Outperform | $503.00M | 10.25 | 7.28% | ― | -0.85% | 32.35% | |
71 Outperform | $2.80B | 5.83 | 21.84% | ― | 22.55% | 371.77% | |
70 Outperform | $49.33M | 4.96 | 19.71% | ― | -6.00% | -11.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $10.34M | 82.91 | -53.70% | ― | 40.39% | ― |
* Financial Sector Average
AOREF
American Overseas Group
1,050.00
49.99
5.00%
GLRE
Greenlight Capital Re
15.37
2.48
19.24%
RNR
Renaissancere Holdings
330.74
89.17
36.91%
SPNT
SiriusPoint
24.18
5.46
29.17%
OXBR
Oxbridge Re Holdings
1.31
-0.84
-39.07%
HG
Hamilton Insurance Group, Ltd. Class B
35.35
13.07
58.68%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.