American Overseas Group (AOREF) Fair Value & Analysis
Financial Services · US · Market cap $57.5M
American Overseas Group
AOREF · US
Fair value as of: Jul 25, 2026
From 6 valuation models · updated 17 days ago
Share price −18.4% over the past month.
Below-average quality, screening 145% undervalued on our models.
What matters now
- The price is below even our cautious bear case ($1,838). The market is more pessimistic than our downside scenario.
- Solid quality (48/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.
How to read this chart
60‑month range $90.00 – $1,500 · fair‑value band $1,838 – $3,063 · the $1,000 price screens below the $2,450 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 25, 2026.
Analysis
American Overseas Group (AOREF) currently trades at $1,000, while our model-based Fair Value estimate is $2,450, implying the stock looks roughly 145.0% undervalued today. The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, American Overseas Group generated revenue of $75.2M at a net margin of 14.4%. Revenue declined 12.3% year over year. It earns a return on equity of 20.7%. The balance sheet holds a net cash position of $28.2M. Fundamentals as of Jul 25, 2026
Our scenario range runs from $1,838 (bear case) to $3,063 (bull case); at $1,000, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 33% below its 52-week high and 65% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 96% fair-value upside, at 145%, AOREF screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($1,738) versus Dividend Discount ($124.18). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 25, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 45 · Market factors (momentum, volatility) 43
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
American Overseas Group Limited, through its subsidiaries, provides property and casualty insurance and reinsurance services in Barbados and the United States. It offers property and casualty insurance, including non-standard auto insurance through specialty managing general agents; and management services.
Full company description
American Overseas Group Limited, through its subsidiaries, provides property and casualty insurance and reinsurance services in Barbados and the United States. It offers property and casualty insurance, including non-standard auto insurance through specialty managing general agents; and management services. The company is also involved in reinsurance, which assumes and reinsures nonstandard auto business. The company was formerly known as RAM Holdings Ltd. and changed its name to American Overseas Group Limited in December 2011. American Overseas Group Limited was incorporated in 1998 and is based in Hamilton, Bermuda.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
American Overseas Group reported revenue of $75.2M in FY2025 versus $32.7M in FY2021, a compound +23.2%/yr. Reported net income was $10.8M in FY2025.
of which total revenue +2.7 pp · buybacks/dilution −3.9 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Insurance - Reinsurance · 28 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Reinsurance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| 1MUV2 1MUV2 | €522.60 | €669.36 | +28% |
| Swiss Re AG SREN | CHF 132.60 | CHF 218.88 | +65% |
| Hannover Rück SE HNR1 | €255.00 | €284.58 | +12% |
| Reinsurance Group RGA | $241.79 | $234.55 | -3% |
| Everest Group EG | $364.13 | $522.67 | +44% |
| RenaissanceRe Holdings RNR | $314.99 | $629.98 | +100% |
| SCOR SE SDRC | €33.04 | €66.08 | +100% |
| General Insurance Corporation GICRE | ₹364.85 | ₹715.98 | +96% |
| China Reinsurance (Group) Corporation 1508 | HK$1.37 | HK$2.74 | +100% |
| Hamilton Insurance Group HG | $34.60 | $69.20 | +100% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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