AMERICAN INTERNATIONAL GROUP (AIG) Fundamental Analysis & Valuation

NYSE:AIG • US0268747849

77.91 USD
-0.14 (-0.18%)
Last: Mar 11, 2026, 03:43 PM
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This AIG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall AIG gets a fundamental rating of 4 out of 10. We evaluated AIG against 149 industry peers in the Insurance industry. There are concerns on the financial health of AIG while its profitability can be described as average. AIG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. AIG Profitability Analysis

1.1 Basic Checks

  • AIG had positive earnings in the past year.
  • In the past year AIG had a positive cash flow from operations.
  • Of the past 5 years AIG 4 years were profitable.
  • AIG had a positive operating cash flow in each of the past 5 years.
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

  • With a Return On Assets value of 1.92%, AIG perfoms like the industry average, outperforming 51.01% of the companies in the same industry.
  • AIG's Return On Equity of 7.53% is on the low side compared to the rest of the industry. AIG is outperformed by 61.74% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.96%, AIG is in line with its industry, outperforming 46.31% of the companies in the same industry.
  • AIG had an Average Return On Invested Capital over the past 3 years of 1.44%. This is significantly below the industry average of 15.25%.
  • The 3 year average ROIC (1.44%) for AIG is below the current ROIC(1.96%), indicating increased profibility in the last year.
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 69.13% of its industry peers.
  • AIG's Profit Margin has declined in the last couple of years.
  • The Operating Margin of AIG (15.65%) is better than 65.77% 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. AIG Health Analysis

2.1 Basic Checks

  • AIG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, AIG has less shares outstanding
  • Compared to 5 years ago, AIG has less shares outstanding
  • AIG has a worse debt/assets ratio than last year.
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.
  • AIG has a Debt to FCF ratio (2.77) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.22 indicates that AIG is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.22, AIG is doing good in the industry, outperforming 67.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.77
Altman-Z N/A
ROIC/WACC0.25
WACC7.77%
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. AIG Growth Analysis

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%.
  • AIG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -9.35% yearly.
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

  • The Earnings Per Share is expected to decrease by -1.25% on average over the next years.
  • Based on estimates for the next years, AIG will show a quite strong growth in Revenue. The Revenue will grow by 10.35% on average per year.
EPS Next Y10.91%
EPS Next 2Y11.77%
EPS Next 3Y9.26%
EPS Next 5Y-1.25%
Revenue Next Year7.55%
Revenue Next 2Y6.18%
Revenue Next 3Y4.6%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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. AIG Valuation Analysis

4.1 Price/Earnings Ratio

  • AIG is valuated reasonably with a Price/Earnings ratio of 10.91.
  • AIG's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.25, AIG is valued rather cheaply.
  • AIG is valuated reasonably with a Price/Forward Earnings ratio of 9.84.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AIG is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of AIG to the average of the S&P500 Index (24.39), we can say AIG is valued rather cheaply.
Industry RankSector Rank
PE 10.91
Fwd PE 9.84
AIG Price Earnings VS Forward Price EarningsAIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, AIG is valued a bit cheaper than the industry average as 67.11% of the companies are valued more expensively.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as AIG.
Industry RankSector Rank
P/FCF 12.61
EV/EBITDA 6.51
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.
PEG (NY)1
PEG (5Y)0.47
EPS Next 2Y11.77%
EPS Next 3Y9.26%

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

5

5. AIG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.25%, AIG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.89, AIG has a dividend in line with its industry peers.
  • AIG's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.25%

5.2 History

  • The dividend of AIG has a limited annual growth rate of 5.46%.
  • AIG has paid a dividend for at least 10 years, which is 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

  • AIG pays out 31.52% of its income as dividend. This is a sustainable payout ratio.
DP31.52%
EPS Next 2Y11.77%
EPS Next 3Y9.26%
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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AIG Fundamentals: All Metrics, Ratios and Statistics

AMERICAN INTERNATIONAL GROUP

NYSE:AIG (3/11/2026, 3:43:08 PM)

77.91

-0.14 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)04-29
Inst Owners99.32%
Inst Owner Change-1.27%
Ins Owners0.33%
Ins Owner Change13.33%
Market Cap41.80B
Revenue(TTM)26.77B
Net Income(TTM)3.10B
Analysts70.77
Price Target89.28 (14.59%)
Short Float %1.59%
Short Ratio1.8
Dividend
Industry RankSector Rank
Dividend Yield 2.25%
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)0.18%
PT rev (3m)-0.43%
EPS NQ rev (1m)-0.17%
EPS NQ rev (3m)-1.17%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)-0.54%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)0.86%
Revenue NY rev (3m)1.09%
Valuation
Industry RankSector Rank
PE 10.91
Fwd PE 9.84
P/S 1.56
P/FCF 12.61
P/OCF 12.61
P/B 1.02
P/tB 1.11
EV/EBITDA 6.51
EPS(TTM)7.14
EY9.16%
EPS(NY)7.92
Fwd EY10.16%
FCF(TTM)6.18
FCFY7.93%
OCF(TTM)6.18
OCFY7.93%
SpS49.9
BVpS76.67
TBVpS70.27
PEG (NY)1
PEG (5Y)0.47
Graham Number110.98
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
WACC7.77%
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 Y10.91%
EPS Next 2Y11.77%
EPS Next 3Y9.26%
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 Year7.55%
Revenue Next 2Y6.18%
Revenue Next 3Y4.6%
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 10.91 and the Price/Book (PB) ratio is 1.02.


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 10.91% in the next year.