AMERICAN INTERNATIONAL GROUP (AIG) Stock Fundamental Analysis

NYSE:AIG • US0268747849

78.8 USD
+0.36 (+0.46%)
At close: Feb 12, 2026
78.8 USD
0 (0%)
After Hours: 2/12/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

AIG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. While AIG is still in line with the averages on profitability rating, there are concerns on its financial health. AIG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • AIG had positive earnings in the past year.
  • In the past year AIG had a positive cash flow from operations.
  • In multiple years AIG reported negative net income over the last 5 years.
  • AIG had a positive operating cash flow in 4 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 0 5B -5B 10B 15B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.99%, AIG is in line with its industry, outperforming 51.01% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 7.93%, AIG is doing worse than 67.11% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 1.98%, AIG is in line with its industry, outperforming 46.98% 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 14.88%.
  • The last Return On Invested Capital (1.98%) for AIG is above the 3 year average (1.44%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.99%
ROE 7.93%
ROIC 1.98%
ROA(3y)0.58%
ROA(5y)0.49%
ROE(3y)9.84%
ROE(5y)7.24%
ROIC(3y)1.44%
ROIC(5y)1.21%
AIG Yearly ROA, ROE, ROICAIG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 11.89%, AIG is in the better half of the industry, outperforming 65.77% of the companies in the same industry.
  • Looking at the Operating Margin, with a value of 16.78%, AIG is in the better half of the industry, outperforming 65.77% of the companies in the same industry.
  • In the last couple of years the Operating Margin of AIG has remained more or less at the same level.
Industry RankSector Rank
OM 16.78%
PM (TTM) 11.89%
GM N/A
OM growth 3Y-15.59%
OM growth 5Y-0.01%
PM growth 3YN/A
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 0 10 -10 20

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2

2. Health

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.
  • AIG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AIG Yearly Shares OutstandingAIG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 100B 200B 300B 400B 500B

2.2 Solvency

  • The Debt to FCF ratio of AIG is 3.20, which is a good value as it means it would take AIG, 3.20 years of fcf income to pay off all of its debts.
  • AIG has a Debt to FCF ratio (3.20) which is in line with its industry peers.
  • AIG has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.22, AIG is doing good in the industry, outperforming 66.44% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 3.2
Altman-Z N/A
ROIC/WACC0.26
WACC7.48%
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 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 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

  • The Earnings Per Share has grown by an impressive 30.77% over the past year.
  • The Earnings Per Share has been growing by 23.16% on average over the past years. This is a very strong growth
EPS 1Y (TTM)30.77%
EPS 3Y16.55%
EPS 5Y23.16%
EPS Q2Q%50.77%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-3.2%

3.2 Future

  • Based on estimates for the next years, AIG will show a decrease in Earnings Per Share. The EPS will decrease by -1.25% on average per year.
  • 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 Year6.64%
Revenue Next 2Y6.74%
Revenue Next 3Y6%
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.
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

  • AIG is valuated reasonably with a Price/Earnings ratio of 11.04.
  • The rest of the industry has a similar Price/Earnings ratio as AIG.
  • AIG is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.94, which indicates a very decent valuation of AIG.
  • AIG's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.69, AIG is valued rather cheaply.
Industry RankSector Rank
PE 11.04
Fwd PE 9.94
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 70.47% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as AIG.
Industry RankSector Rank
P/FCF 14.72
EV/EBITDA 6.14
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.
  • A cheap valuation may be justified as AIG's earnings are expected to decrease with -3.97% in the coming years.
PEG (NY)1
PEG (5Y)0.48
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 2.28%.
  • Compared to an average industry Dividend Yield of 2.18, AIG pays a bit more dividend than its industry peers.
  • AIG's Dividend Yield is a higher than the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.28%

5.2 History

  • The dividend of AIG has a limited annual growth rate of 3.87%.
  • 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)3.87%
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 0.5 1 1.5 2 2.5

5.3 Sustainability

  • 30.01% of the earnings are spent on dividend by AIG. This is a low number and sustainable payout ratio.
DP30.01%
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 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 (2/12/2026, 8:04:00 PM)

After market: 78.8 0 (0%)

78.8

+0.36 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)04-29
Inst Owners101.07%
Inst Owner Change-3.29%
Ins Owners0.21%
Ins Owner Change-0.77%
Market Cap42.52B
Revenue(TTM)N/A
Net Income(TTM)3.26B
Analysts70.77
Price Target89.12 (13.1%)
Short Float %1.41%
Short Ratio1.49
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
Yearly Dividend1.58
Dividend Growth(5Y)3.87%
DP30.01%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.69%
Min EPS beat(2)12.13%
Max EPS beat(2)27.25%
EPS beat(4)4
Avg EPS beat(4)14.7%
Min EPS beat(4)4.69%
Max EPS beat(4)27.25%
EPS beat(8)7
Avg EPS beat(8)9.03%
EPS beat(12)11
Avg EPS beat(12)8.83%
EPS beat(16)15
Avg EPS beat(16)11.04%
Revenue beat(2)1
Avg Revenue beat(2)-2.08%
Min Revenue beat(2)-7.7%
Max Revenue beat(2)3.53%
Revenue beat(4)3
Avg Revenue beat(4)1.59%
Min Revenue beat(4)-7.7%
Max Revenue beat(4)7.63%
Revenue beat(8)5
Avg Revenue beat(8)-0.95%
Revenue beat(12)7
Avg Revenue beat(12)-15.59%
Revenue beat(16)11
Avg Revenue beat(16)-5.88%
PT rev (1m)-0.33%
PT rev (3m)-1.48%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)3.2%
EPS NY rev (1m)0.19%
EPS NY rev (3m)8.04%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.19%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-1.21%
Valuation
Industry RankSector Rank
PE 11.04
Fwd PE 9.94
P/S 1.55
P/FCF 14.72
P/OCF 14.72
P/B 1.03
P/tB 1.13
EV/EBITDA 6.14
EPS(TTM)7.14
EY9.06%
EPS(NY)7.93
Fwd EY10.06%
FCF(TTM)5.35
FCFY6.79%
OCF(TTM)5.35
OCFY6.79%
SpS50.78
BVpS76.14
TBVpS69.77
PEG (NY)1
PEG (5Y)0.48
Graham Number110.6
Profitability
Industry RankSector Rank
ROA 1.99%
ROE 7.93%
ROCE 2.84%
ROIC 1.98%
ROICexc 2%
ROICexgc 2.91%
OM 16.78%
PM (TTM) 11.89%
GM N/A
FCFM 10.54%
ROA(3y)0.58%
ROA(5y)0.49%
ROE(3y)9.84%
ROE(5y)7.24%
ROIC(3y)1.44%
ROIC(5y)1.21%
ROICexc(3y)1.45%
ROICexc(5y)1.22%
ROICexgc(3y)2.12%
ROICexgc(5y)1.8%
ROCE(3y)2.06%
ROCE(5y)1.74%
ROICexgc growth 3Y3.84%
ROICexgc growth 5Y12.95%
ROICexc growth 3Y5.2%
ROICexc growth 5Y12.23%
OM growth 3Y-15.59%
OM growth 5Y-0.01%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 3.2
Debt/EBITDA 1.13
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 8.43
Cash Conversion 35.36%
Profit Quality 88.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.48%
ROIC/WACC0.26
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-3.2%
Revenue Next Year6.64%
Revenue Next 2Y6.74%
Revenue Next 3Y6%
Revenue Next 5Y10.35%
EBIT growth 1Y41.53%
EBIT growth 3Y-32.58%
EBIT growth 5Y-11.79%
EBIT Next Year134.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-33.35%
FCF growth 3Y-19.28%
FCF growth 5YN/A
OCF growth 1Y-33.35%
OCF growth 3Y-19.28%
OCF growth 5YN/A

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 11.04 and the Price/Book (PB) ratio is 1.03.


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.