AMERICAN INTERNATIONAL GROUP (AIG) Fundamental Analysis & Valuation

NYSE:AIG • US0268747849

Current stock price

73.74 USD
-0.39 (-0.53%)
Last:

This AIG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

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.
  • Each year in the past 5 years AIG had a positive operating cash flow.
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

  • The Return On Assets of AIG (1.92%) is comparable to the rest of the industry.
  • The Return On Equity of AIG (7.53%) is worse than 65.31% of its industry peers.
  • AIG has a Return On Invested Capital (1.96%) which is in line with its industry peers.
  • The Average Return On Invested Capital over the past 3 years for AIG is significantly below the industry average of 9.60%.
  • 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

  • With a decent Profit Margin value of 11.56%, AIG is doing good in the industry, outperforming 65.31% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AIG has declined.
  • AIG has a Operating Margin of 15.65%. This is in the better half of the industry: AIG outperforms 64.63% of its industry peers.
  • In the last couple of years the Operating Margin of AIG has grown nicely.
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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3

2. AIG Health Analysis

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.
  • The number of shares outstanding for AIG has been reduced compared to 5 years ago.
  • The debt/assets ratio for AIG is higher compared to a year ago.
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's Debt to Equity ratio of 0.22 is fine compared to the rest 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
WACC7.88%
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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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

  • AIG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.43% yearly.
  • Based on estimates for the next years, AIG will show a small growth in Revenue. The Revenue will grow by 3.23% on average per year.
EPS Next Y10.99%
EPS Next 2Y11.77%
EPS Next 3Y9.29%
EPS Next 5Y5.43%
Revenue Next Year8%
Revenue Next 2Y6.62%
Revenue Next 3Y4.94%
Revenue Next 5Y3.23%

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. AIG Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.33, which indicates a very decent valuation of AIG.
  • AIG's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.15, AIG is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.30, which indicates a very decent valuation of AIG.
  • AIG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AIG is cheaper than 61.90% of the companies in the same industry.
  • AIG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.12.
Industry RankSector Rank
PE 10.33
Fwd PE 9.3
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

  • 71.43% of the companies in the same industry are more expensive than AIG, based on the Enterprise Value to EBITDA ratio.
  • 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 11.9
EV/EBITDA 6.22
AIG Per share dataAIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.94
PEG (5Y)0.45
EPS Next 2Y11.77%
EPS Next 3Y9.29%

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

5

5. AIG Dividend Analysis

5.1 Amount

  • AIG has a Yearly Dividend Yield of 2.36%. Purely for dividend investing, there may be better candidates out there.
  • AIG's Dividend Yield is a higher than the industry average which is at 2.37.
  • Compared to an average S&P500 Dividend Yield of 1.82, AIG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.36%

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 in the last 3 years.
Dividend Growth(5Y)5.46%
Div Incr Years2
Div Non Decr Years2
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.
  • AIG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.52%
EPS Next 2Y11.77%
EPS Next 3Y9.29%
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 (4/28/2026, 2:44:07 PM)

73.74

-0.39 (-0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)04-30
Inst Owners99.69%
Inst Owner Change0.01%
Ins Owners0.56%
Ins Owner Change13.76%
Market Cap39.44B
Revenue(TTM)26.77B
Net Income(TTM)3.10B
Analysts71.54
Price Target89.14 (20.88%)
Short Float %1.39%
Short Ratio1.86
Dividend
Industry RankSector Rank
Dividend Yield 2.36%
Yearly Dividend1.71
Dividend Growth(5Y)5.46%
DP31.52%
Div Incr Years2
Div Non Decr Years2
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)-0.16%
PT rev (3m)-0.99%
EPS NQ rev (1m)-1.29%
EPS NQ rev (3m)-1.86%
EPS NY rev (1m)0.08%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)1.28%
Valuation
Industry RankSector Rank
PE 10.33
Fwd PE 9.3
P/S 1.47
P/FCF 11.9
P/OCF 11.9
P/B 0.96
P/tB 1.05
EV/EBITDA 6.22
EPS(TTM)7.14
EY9.68%
EPS(NY)7.93
Fwd EY10.75%
FCF(TTM)6.2
FCFY8.4%
OCF(TTM)6.2
OCFY8.4%
SpS50.06
BVpS76.91
TBVpS70.49
PEG (NY)0.94
PEG (5Y)0.45
Graham Number111.159 (50.74%)
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
WACC7.88%
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 Y10.99%
EPS Next 2Y11.77%
EPS Next 3Y9.29%
EPS Next 5Y5.43%
Revenue 1Y (TTM)-1.75%
Revenue growth 3Y-21.07%
Revenue growth 5Y-9.35%
Sales Q2Q%-8.74%
Revenue Next Year8%
Revenue Next 2Y6.62%
Revenue Next 3Y4.94%
Revenue Next 5Y3.23%
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 Fundamental Analysis 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.


What is the profitability of 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 10.33 and the Price/Book (PB) ratio is 0.96.


How sustainable is the dividend of AMERICAN INTERNATIONAL GROUP (AIG) stock?

The dividend rating of AMERICAN INTERNATIONAL GROUP (AIG) is 5 / 10 and the dividend payout ratio is 31.52%.