AMERICAN INTERNATIONAL GROUP (AIG) Stock Fundamental Analysis

NYSE:AIG • US0268747849

80.35 USD
+0.2 (+0.25%)
At close: Feb 26, 2026
80.35 USD
0 (0%)
After Hours: 2/26/2026, 8:09:56 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall AIG gets a fundamental rating of 4 out of 10. We evaluated AIG against 150 industry peers in the Insurance industry. AIG has a medium profitability rating, but doesn't score so well on its financial health evaluation. AIG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • AIG had positive earnings in the past year.
  • AIG had a positive operating cash flow in the past year.
  • Of the past 5 years AIG 4 years were profitable.
  • In the past 5 years AIG always reported a positive cash flow from operatings.
AIG Yearly Net Income VS EBIT VS OCF VS FCFAIG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B 10B 15B

1.2 Ratios

  • AIG's Return On Assets of 1.92% is in line compared to the rest of the industry. AIG outperforms 50.67% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.53%, AIG is doing worse than 66.00% of the companies in the same industry.
  • With a Return On Invested Capital value of 1.96%, AIG perfoms like the industry average, outperforming 48.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for AIG is significantly below the industry average of 15.13%.
  • The last Return On Invested Capital (1.96%) for AIG is above the 3 year average (1.44%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.92%
ROE 7.53%
ROIC 1.96%
ROA(3y)0.57%
ROA(5y)1.08%
ROE(3y)4.05%
ROE(5y)10.54%
ROIC(3y)1.44%
ROIC(5y)1.63%
AIG Yearly ROA, ROE, ROICAIG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

1.3 Margins

  • AIG's Profit Margin of 11.56% is fine compared to the rest of the industry. AIG outperforms 66.00% of its industry peers.
  • AIG's Profit Margin has declined in the last couple of years.
  • AIG has a Operating Margin of 15.65%. This is in the better half of the industry: AIG outperforms 63.33% of its industry peers.
  • AIG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 15.65%
PM (TTM) 11.56%
GM N/A
OM growth 3Y-18.62%
OM growth 5Y20.43%
PM growth 3Y-14.85%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
AIG Yearly Profit, Operating, Gross MarginsAIG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AIG is destroying value.
  • The number of shares outstanding for AIG has been reduced compared to 1 year ago.
  • AIG has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, AIG has a worse debt to assets ratio.
AIG Yearly Shares OutstandingAIG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
AIG Yearly Total Debt VS Total AssetsAIG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • The Debt to FCF ratio of AIG is 2.77, which is a good value as it means it would take AIG, 2.77 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of AIG (2.77) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.22 indicates that AIG is not too dependend on debt financing.
  • AIG has a Debt to Equity ratio of 0.22. This is in the better half of the industry: AIG outperforms 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.77
Altman-Z N/A
ROIC/WACC0.25
WACC7.74%
AIG Yearly LT Debt VS Equity VS FCFAIG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AIG Yearly Current Assets VS Current LiabilitesAIG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • AIG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.77%, which is quite impressive.
  • Measured over the past years, AIG shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.16% on average per year.
  • AIG shows a decrease in Revenue. In the last year, the revenue decreased by -1.75%.
  • The Revenue has been decreasing by -9.35% on average over the past years.
EPS 1Y (TTM)30.77%
EPS 3Y16.55%
EPS 5Y23.16%
EPS Q2Q%50.77%
Revenue 1Y (TTM)-1.75%
Revenue growth 3Y-21.07%
Revenue growth 5Y-9.35%
Sales Q2Q%-8.74%

3.2 Future

  • AIG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.25% yearly.
  • The Revenue is expected to grow by 10.35% on average over the next years. This is quite good.
EPS Next Y11.04%
EPS Next 2Y11.32%
EPS Next 3Y-3.97%
EPS Next 5Y-1.25%
Revenue Next Year8.04%
Revenue Next 2Y6.03%
Revenue Next 3Y3.1%
Revenue Next 5Y10.35%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
AIG Yearly Revenue VS EstimatesAIG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B 40B 50B
AIG Yearly EPS VS EstimatesAIG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6 8

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.25 indicates a reasonable valuation of AIG.
  • The rest of the industry has a similar Price/Earnings ratio as AIG.
  • Compared to an average S&P500 Price/Earnings ratio of 27.21, AIG is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.13 indicates a reasonable valuation of AIG.
  • AIG's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of AIG to the average of the S&P500 Index (28.13), we can say AIG is valued rather cheaply.
Industry RankSector Rank
PE 11.25
Fwd PE 10.13
AIG Price Earnings VS Forward Price EarningsAIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, AIG is valued a bit cheaper than the industry average as 68.67% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AIG is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.08
EV/EBITDA 6.69
AIG Per share dataAIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A cheap valuation may be justified as AIG's earnings are expected to decrease with -3.97% in the coming years.
PEG (NY)1.02
PEG (5Y)0.49
EPS Next 2Y11.32%
EPS Next 3Y-3.97%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • AIG has a Yearly Dividend Yield of 2.26%.
  • AIG's Dividend Yield is comparable with the industry average which is at 2.63.
  • Compared to an average S&P500 Dividend Yield of 1.80, AIG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.26%

5.2 History

  • The dividend of AIG has a limited annual growth rate of 5.46%.
  • AIG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • AIG has decreased its dividend recently.
Dividend Growth(5Y)5.46%
Div Incr Years1
Div Non Decr Years1
AIG Yearly Dividends per shareAIG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • 31.52% of the earnings are spent on dividend by AIG. This is a low number and sustainable payout ratio.
DP31.52%
EPS Next 2Y11.32%
EPS Next 3Y-3.97%
AIG Yearly Income VS Free CF VS DividendAIG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B 10B
AIG Dividend Payout.AIG Dividend Payout, showing the Payout Ratio.AIG Dividend Payout.PayoutRetained Earnings

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AMERICAN INTERNATIONAL GROUP

NYSE:AIG (2/26/2026, 8:09:56 PM)

After market: 80.35 0 (0%)

80.35

+0.2 (+0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)04-29
Inst Owners101.07%
Inst Owner Change-1.21%
Ins Owners0.21%
Ins Owner Change17.65%
Market Cap43.36B
Revenue(TTM)26.77B
Net Income(TTM)3.10B
Analysts70.77
Price Target89.12 (10.91%)
Short Float %1.53%
Short Ratio1.57
Dividend
Industry RankSector Rank
Dividend Yield 2.26%
Yearly Dividend1.71
Dividend Growth(5Y)5.46%
DP31.52%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-16
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.7%
Min EPS beat(2)2.14%
Max EPS beat(2)27.25%
EPS beat(4)4
Avg EPS beat(4)14.06%
Min EPS beat(4)2.14%
Max EPS beat(4)27.25%
EPS beat(8)7
Avg EPS beat(8)8.28%
EPS beat(12)11
Avg EPS beat(12)8.65%
EPS beat(16)15
Avg EPS beat(16)9.2%
Revenue beat(2)0
Avg Revenue beat(2)-6.95%
Min Revenue beat(2)-7.7%
Max Revenue beat(2)-6.2%
Revenue beat(4)2
Avg Revenue beat(4)-1.87%
Min Revenue beat(4)-7.7%
Max Revenue beat(4)3.53%
Revenue beat(8)5
Avg Revenue beat(8)1.06%
Revenue beat(12)7
Avg Revenue beat(12)-0.49%
Revenue beat(16)10
Avg Revenue beat(16)-7.48%
PT rev (1m)-1.01%
PT rev (3m)-1.04%
EPS NQ rev (1m)-0.53%
EPS NQ rev (3m)-1.37%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)-0.16%
Revenue NY rev (1m)1.32%
Revenue NY rev (3m)4.37%
Valuation
Industry RankSector Rank
PE 11.25
Fwd PE 10.13
P/S 1.62
P/FCF 13.08
P/OCF 13.08
P/B 1.05
P/tB 1.15
EV/EBITDA 6.69
EPS(TTM)7.14
EY8.89%
EPS(NY)7.93
Fwd EY9.87%
FCF(TTM)6.14
FCFY7.64%
OCF(TTM)6.14
OCFY7.64%
SpS49.62
BVpS76.24
TBVpS69.88
PEG (NY)1.02
PEG (5Y)0.49
Graham Number110.67
Profitability
Industry RankSector Rank
ROA 1.92%
ROE 7.53%
ROCE 2.62%
ROIC 1.96%
ROICexc 1.98%
ROICexgc 2.87%
OM 15.65%
PM (TTM) 11.56%
GM N/A
FCFM 12.38%
ROA(3y)0.57%
ROA(5y)1.08%
ROE(3y)4.05%
ROE(5y)10.54%
ROIC(3y)1.44%
ROIC(5y)1.63%
ROICexc(3y)1.45%
ROICexc(5y)1.63%
ROICexgc(3y)2.11%
ROICexgc(5y)2.4%
ROCE(3y)1.93%
ROCE(5y)2.18%
ROICexgc growth 3Y-5.15%
ROICexgc growth 5Y41.1%
ROICexc growth 3Y-4.42%
ROICexc growth 5Y41.72%
OM growth 3Y-18.62%
OM growth 5Y20.43%
PM growth 3Y-14.85%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.77
Debt/EBITDA 1.2
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 10.77
Cash Conversion 43.35%
Profit Quality 107.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.74%
ROIC/WACC0.25
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.77%
EPS 3Y16.55%
EPS 5Y23.16%
EPS Q2Q%50.77%
EPS Next Y11.04%
EPS Next 2Y11.32%
EPS Next 3Y-3.97%
EPS Next 5Y-1.25%
Revenue 1Y (TTM)-1.75%
Revenue growth 3Y-21.07%
Revenue growth 5Y-9.35%
Sales Q2Q%-8.74%
Revenue Next Year8.04%
Revenue Next 2Y6.03%
Revenue Next 3Y3.1%
Revenue Next 5Y10.35%
EBIT growth 1Y12.31%
EBIT growth 3Y-35.77%
EBIT growth 5Y9.17%
EBIT Next Year118.93%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.25%
FCF growth 3Y-7.1%
FCF growth 5Y26.13%
OCF growth 1Y1.25%
OCF growth 3Y-7.1%
OCF growth 5Y26.13%

AMERICAN INTERNATIONAL GROUP / AIG FAQ

What is the fundamental rating for AIG stock?

ChartMill assigns a fundamental rating of 4 / 10 to AIG.


Can you provide the valuation status for AMERICAN INTERNATIONAL GROUP?

ChartMill assigns a valuation rating of 5 / 10 to AMERICAN INTERNATIONAL GROUP (AIG). This can be considered as Fairly Valued.


How profitable is AMERICAN INTERNATIONAL GROUP (AIG) stock?

AMERICAN INTERNATIONAL GROUP (AIG) has a profitability rating of 4 / 10.


What is the valuation of AMERICAN INTERNATIONAL GROUP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for AMERICAN INTERNATIONAL GROUP (AIG) is 11.25 and the Price/Book (PB) ratio is 1.05.


Can you provide the expected EPS growth for AIG stock?

The Earnings per Share (EPS) of AMERICAN INTERNATIONAL GROUP (AIG) is expected to grow by 11.04% in the next year.