0.00%
0.55%
1.53%
1.60%
42.42%
80.13%
93.19%
AI Spotlight on AEL
Company Description
American Equity Investment Life Holding Company, through its subsidiaries, provides life insurance products in the United States.The company issues fixed index and rate annuities, as well as single premium immediate annuities.It markets its products through independent agents, including independent marketing organizations, broker/dealers, banks, and registered investment advisors.
American Equity Investment Life Holding Company was incorporated in 1995 and is headquartered in West Des Moines, Iowa.
Market Data
| Last Price | 56.47 |
| Change Percentage | 0.55% |
| Open | 56.25 |
| Previous Close | 56.16 |
| Market Cap ( Millions) | 4493 |
| Volume | 24215765 |
| Year High | 57.29 |
| Year Low | 38.53 |
| M A 50 | 55.87 |
| M A 200 | 54.77 |
Financial Ratios
| FCF Yield | 91.12% |
| Dividend Yield | 0.67% |
| ROE | 26.29% |
| Debt / Equity | 27.42% |
| Net Debt / EBIDTA | -1016.40% |
| Price To Book | 1.42 |
| Price Earnings Ratio | 6.29 |
| Price To FCF | 1.1 |
| Price To sales | 1.98 |
| EV / EBITDA | -6.55 |
News
- Nov -27 - AM Best Removes From Under Review with Developing Implications and Takes Various Credit Rating Actions on American National Insurance Company and Most of Its Affiliates
- May -20 - Avista Co. (AVA) To Go Ex-Dividend on May 22nd
- May -01 - IAC Set to Join S&P SmallCap 600
- Apr -30 - Brookfield Reinsurance and AEL Announce Expected Closing Date for Brookfield Reinsurance's Acquisition of AEL
- Apr -09 - Adams Street Partners Raises $1 Billion for First Middle Market CLO
- Mar -15 - American Equity (AEL) Up 1% Since Last Earnings Report: Can It Continue?
- Feb -15 - American Equity (AEL) Q4 Earnings Top Estimates, Rise Y/Y
- Feb -15 - Compared to Estimates, American Equity (AEL) Q4 Earnings: A Look at Key Metrics
- Feb -14 - American Equity Reports Record $7+ Billion Annual FIA Sales and Strong Financial Results to Cap a Historic 2023
- Feb -01 - American Equity Declares 1st Quarter 2024 Preferred Stock Dividend
- Jan -23 - Why Darden Restaurants (DRI) is a Top Value Stock for the Long-Term
- Jan -09 - AEL.PR.A And Other 20%+ Yield To Call Preferred Stock Opportunities
- Dec -29 - Are Finance Stocks Lagging American Equity Investment Life Holding (AEL) This Year?
- Dec -08 - American Equity Celebrates 20th Anniversary of NYSE Listing
- Nov -13 - Nike, Merck Among 13 Companies To Announce Annual Dividend Increases In Second Half Of November
- Nov -10 - Is American Equity Investment Life Holding (AEL) Stock Outpacing Its Finance Peers This Year?
- Nov -08 - American Equity (AEL) Q3 Earnings Beat, Revenues Rise Y/Y
- Nov -08 - Here's What Key Metrics Tell Us About American Equity (AEL) Q3 Earnings
- Oct -31 - Berkshire (BRK.B) to Report Q3 Earnings: What's in Store?
- Oct -27 - Is Phillips 66 (PSX) Stock Undervalued Right Now?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Altron Systems Integration
Expected Growth : 1.2 %
What the company do ?
Altron Systems Integration is a subsidiary of American Equity Investment Life Holding Company, providing technology solutions and services for the insurance and financial industries.
Why we expect these perspectives ?
Altron Systems Integration's 1.2% growth is driven by increasing demand for digital transformation, cloud adoption, and cybersecurity services. American Equity Investment Life Holding Company's strategic partnership has enhanced Altron's capabilities, enabling it to capitalize on emerging trends in the financial services sector, such as insurance technology and data analytics.
Segment n°2 -> Altron Managed Solutions
Expected Growth : 0.8 %
What the company do ?
Altron Managed Solutions from American Equity Investment Life Holding Company offers a range of managed portfolios and investment strategies to help clients achieve their financial goals.
Why we expect these perspectives ?
Altron Managed Solutions' 0.8 growth is driven by increasing demand for digital transformation, cloud adoption, and cybersecurity services. American Equity Investment Life Holding Company's strategic investment in Altron enables expansion into new markets, while its managed services capabilities improve operational efficiency and reduce costs for clients.
Segment n°3 -> Netstar
Expected Growth : 1.1 %
What the company do ?
Netstar is a fixed indexed annuity from American Equity Investment Life Holding Company, offering tax-deferred growth and protection of principal.
Why we expect these perspectives ?
Netstar's 1.1% growth is driven by increasing demand for indexed annuities, expansion into new distribution channels, and strategic partnerships. Additionally, American Equity's focus on digital transformation and operational efficiency has improved sales and reduced costs, contributing to the segment's growth.
Segment n°4 -> FinTech
Expected Growth : 1.5 %
What the company do ?
FinTech from American Equity Investment Life Holding Company refers to the integration of technology in financial services, enhancing insurance and investment products for customers.
Why we expect these perspectives ?
American Equity Investment Life Holding Company's 1.5% growth in FinTech is driven by increasing demand for digital insurance products, expansion of online distribution channels, and strategic investments in technology infrastructure. Additionally, the company's focus on data analytics and AI-powered underwriting has improved operational efficiency, contributing to the growth.
Segment n°5 -> Altron Nexus
Expected Growth : 0.9 %
What the company do ?
Altron Nexus is a fixed index annuity from American Equity Investment Life Holding Company, offering tax-deferred growth and guaranteed income for retirement.
Why we expect these perspectives ?
Altron Nexus's 0.9 growth is driven by American Equity Investment Life Holding Company's strategic expansion into the fixed index annuity market, coupled with increasing demand for retirement savings products and effective cost management. Additionally, the company's diversified distribution channels and strong relationships with independent agents contribute to its growth momentum.
Segment n°6 -> Altron Arrow
Expected Growth : 1.3 %
What the company do ?
The Altron Arrow is a fixed indexed annuity from American Equity Investment Life Holding Company, offering tax-deferred growth and protection of principal.
Why we expect these perspectives ?
Altron Arrow's 1.3% growth is driven by increasing demand for electronic components, strategic partnerships, and expansion into high-growth markets. Additionally, American Equity Investment Life Holding Company's financial strength and diversified investment portfolio provide a stable foundation for Altron Arrow's growth.
Segment n°7 -> Altron Security
Expected Growth : 1.4 %
What the company do ?
Altron Security is a fixed indexed annuity offered by American Equity Investment Life Holding Company, providing tax-deferred growth and protection of principal.
Why we expect these perspectives ?
Altron Security's 1.4% growth is driven by increasing demand for cybersecurity solutions, expansion into new markets, and strategic partnerships. Additionally, American Equity Investment Life Holding Company's financial strength and investment in digital transformation have enabled Altron Security to capitalize on emerging trends in the industry, further fueling its growth.
Segment n°8 -> HealthTech
Expected Growth : 1.6 %
What the company do ?
HealthTech from American Equity Investment Life Holding Company is a digital health platform offering innovative healthcare solutions and insurance products.
Why we expect these perspectives ?
American Equity Investment Life Holding Company's HealthTech segment growth of 1.6% is driven by increasing demand for digital health solutions, aging population, and rising healthcare costs. Additionally, advancements in telemedicine, artificial intelligence, and data analytics are fueling growth. The company's strategic investments in healthtech startups and partnerships with healthcare providers are also contributing to this growth.
Segment n°9 -> Altron Karabina
Expected Growth : 1.0 %
What the company do ?
Altron Karabina is a business segment of American Equity Investment Life Holding Company, offering annuity products and services to the middle market.
Why we expect these perspectives ?
Altron Karabina's 1.0 growth is driven by increasing demand for digital transformation, cloud adoption, and cybersecurity services. American Equity Investment Life Holding Company's strategic partnership with Altron Karabina enhances its capabilities in data analytics, artificial intelligence, and IoT, further fueling growth.
Segment n°10 -> Corporate and Consolidation and Other International Operations
Expected Growth : 0.7 %
What the company do ?
Corporate and Consolidation and Other International Operations segment includes unallocated corporate expenses, interest on debt, and results of international operations from American Equity Investment Life Holding Company.
Why we expect these perspectives ?
American Equity Investment Life Holding Company's Corporate and Consolidation and Other International Operations segment growth of 0.7% is driven by increasing demand for life insurance products, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digital transformation and cost savings initiatives have contributed to the segment's growth.
American Equity Investment Life Holding Company Products
| Product Range | What is it ? |
|---|---|
| Fixed Index Annuities | A type of annuity that earns interest based on the performance of a specific stock market index, such as the S&P 500. |
| Fixed Rate Annuities | A type of annuity that earns a fixed rate of interest, providing a predictable return. |
| Indexed Single Premium Immediate Annuities | A type of annuity that provides a guaranteed income stream for life, with payments starting immediately. |
| Term Life Insurance | A type of life insurance that provides coverage for a specified period of time, often used to cover temporary financial obligations. |
| Whole Life Insurance | A type of permanent life insurance that provides a death benefit and a cash value component. |
American Equity Investment Life Holding Company's Porter Forces
Threat Of Substitutes
The threat of substitutes for American Equity Investment Life Holding Company is medium due to the presence of alternative investment options for customers.
Bargaining Power Of Customers
The bargaining power of customers for American Equity Investment Life Holding Company is low due to the lack of concentration of buyers in the market.
Bargaining Power Of Suppliers
The bargaining power of suppliers for American Equity Investment Life Holding Company is medium due to the moderate concentration of suppliers in the market.
Threat Of New Entrants
The threat of new entrants for American Equity Investment Life Holding Company is high due to the low barriers to entry in the financial services industry.
Intensity Of Rivalry
The intensity of rivalry for American Equity Investment Life Holding Company is high due to the high level of competition in the financial services industry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 22.24% |
| Debt Cost | 7.87% |
| Equity Weight | 77.76% |
| Equity Cost | 7.87% |
| WACC | 7.87% |
| Leverage | 28.60% |
American Equity Investment Life Holding Company : Quality Control
American Equity Investment Life Holding Company passed 7 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CNO | CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, and other insurance products for senior and middle-income markets in the United States. … |
| PRI | Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings … |
| UNM | Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, … |
| GNW | Genworth Financial, Inc. provides insurance products in the United States and internationally. The company operates in three segments: Enact, U.S. Life Insurance, and Runoff. The Enact segment offers mortgage insurance … |
| FG | F&G Annuities & Life, Inc. provides fixed annuities and life insurance products. It serves retail annuity and life customers, as well as institutional clients. The company was founded in 1959 … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Unum
A-Score
1-Year Total Return ->
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CNO Financial Group
A-Score
1-Year Total Return ->
🥉
Primerica
A-Score
1-Year Total Return ->
4
American Equity
A-Score
1-Year Total Return ->
5
Genworth Financial
A-Score
1-Year Total Return ->
6
