AMERICAN INTERNATIONAL GROUP (AINN.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AINN - US0268747849 - Common Stock
65.25 EUR
-1.02 (-1.54%)
AINN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. While AINN is still in line with the averages on profitability rating, there are concerns on its financial health. AINN is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
AINN had positive earnings in the past year.
AINN had a positive operating cash flow in the past year.
In multiple years AINN reported negative net income over the last 5 years.
In the past 5 years AINN always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.93%, AINN is doing good in the industry, outperforming 77.50% of the companies in the same industry.
The Return On Equity of AINN (7.71%) is worse than 75.00% of its industry peers.
The Return On Invested Capital of AINN (1.94%) is better than 65.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AINN is in line with the industry average of 2.58%.
The last Return On Invested Capital (1.94%) for AINN is above the 3 year average (1.44%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.93% | ||
| ROE | 7.71% | ||
| ROIC | 1.94% |
ROA(3y)0.58%
ROA(5y)0.49%
ROE(3y)9.84%
ROE(5y)7.24%
ROIC(3y)1.44%
ROIC(5y)1.21%
1.3 Margins
AINN has a better Profit Margin (11.51%) than 72.50% of its industry peers.
AINN's Operating Margin of 16.38% is fine compared to the rest of the industry. AINN outperforms 77.50% of its industry peers.
AINN's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.38% | ||
| PM (TTM) | 11.51% | ||
| 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
2. Health
2.1 Basic Checks
AINN 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, AINN has less shares outstanding
AINN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for AINN is higher compared to a year ago.
2.2 Solvency
AINN has a debt to FCF ratio of 2.83. This is a good value and a sign of high solvency as AINN would need 2.83 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.83, AINN perfoms like the industry average, outperforming 57.50% of the companies in the same industry.
AINN has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of AINN (0.22) is better than 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.83 | ||
| Altman-Z | N/A |
ROIC/WACC0.27
WACC7.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AINN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.95%.
Measured over the past 5 years, AINN shows a small growth in Earnings Per Share. The EPS has been growing by 3.49% on average per year.
Looking at the last year, AINN shows a small growth in Revenue. The Revenue has grown by 2.53% in the last year.
AINN shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -11.79% yearly.
EPS 1Y (TTM)-12.95%
EPS 3Y2.17%
EPS 5Y3.49%
EPS Q2Q%56.03%
Revenue 1Y (TTM)2.53%
Revenue growth 3Y-20.13%
Revenue growth 5Y-11.79%
Sales Q2Q%8.09%
3.2 Future
Based on estimates for the next years, AINN will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.98% on average per year.
Based on estimates for the next years, AINN will show a small growth in Revenue. The Revenue will grow by 4.77% on average per year.
EPS Next Y17.99%
EPS Next 2Y19.72%
EPS Next 3Y17.37%
EPS Next 5Y10.98%
Revenue Next Year4.54%
Revenue Next 2Y3.57%
Revenue Next 3Y3.9%
Revenue Next 5Y4.77%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.88, which indicates a correct valuation of AINN.
AINN's Price/Earnings ratio is a bit more expensive when compared to the industry. AINN is more expensive than 62.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.46. AINN is valued slightly cheaper when compared to this.
AINN is valuated reasonably with a Price/Forward Earnings ratio of 9.78.
AINN's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of AINN to the average of the S&P500 Index (36.10), we can say AINN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.88 | ||
| Fwd PE | 9.78 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AINN is valued a bit cheaper than 80.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AINN is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.98 | ||
| EV/EBITDA | 6.12 |
4.3 Compensation for Growth
AINN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as AINN's earnings are expected to grow with 17.37% in the coming years.
PEG (NY)0.77
PEG (5Y)3.98
EPS Next 2Y19.72%
EPS Next 3Y17.37%
5. Dividend
5.1 Amount
AINN has a Yearly Dividend Yield of 2.26%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.47, AINN's dividend is way lower than its industry peers. On top of this 82.50% of the companies listed in the same industry pay a better dividend than AINN!
AINN's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.26% |
5.2 History
The dividend of AINN has a limited annual growth rate of 3.87%.
Dividend Growth(5Y)3.87%
Div Incr Years2
Div Non Decr Years6
5.3 Sustainability
AINN pays out 30.82% of its income as dividend. This is a sustainable payout ratio.
The dividend of AINN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP30.82%
EPS Next 2Y19.72%
EPS Next 3Y17.37%
FRA:AINN (9/26/2025, 7:00:00 PM)
65.25
-1.02 (-1.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.16%
Inst Owner ChangeN/A
Ins Owners0.25%
Ins Owner ChangeN/A
Market Cap36.15B
Revenue(TTM)27.80B
Net Income(TTM)3.20B
Analysts72.5
Price Target74.87 (14.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.26% |
Yearly Dividend1.35
Dividend Growth(5Y)3.87%
DP30.82%
Div Incr Years2
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.43%
Min EPS beat(2)12.13%
Max EPS beat(2)14.73%
EPS beat(4)4
Avg EPS beat(4)10.51%
Min EPS beat(4)4.69%
Max EPS beat(4)14.73%
EPS beat(8)7
Avg EPS beat(8)6.42%
EPS beat(12)11
Avg EPS beat(12)8.45%
EPS beat(16)15
Avg EPS beat(16)9.89%
Revenue beat(2)2
Avg Revenue beat(2)3.21%
Min Revenue beat(2)2.88%
Max Revenue beat(2)3.53%
Revenue beat(4)3
Avg Revenue beat(4)3.5%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)7.63%
Revenue beat(8)6
Avg Revenue beat(8)0.1%
Revenue beat(12)8
Avg Revenue beat(12)-15.91%
Revenue beat(16)12
Avg Revenue beat(16)-7.05%
PT rev (1m)-0.24%
PT rev (3m)-6.27%
EPS NQ rev (1m)-0.9%
EPS NQ rev (3m)-0.73%
EPS NY rev (1m)0.02%
EPS NY rev (3m)0.78%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)-1.74%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.88 | ||
| Fwd PE | 9.78 | ||
| P/S | 1.53 | ||
| P/FCF | 12.98 | ||
| P/OCF | 12.98 | ||
| P/B | 1.02 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | 6.12 |
EPS(TTM)4.7
EY7.2%
EPS(NY)6.67
Fwd EY10.22%
FCF(TTM)5.03
FCFY7.71%
OCF(TTM)5.03
OCFY7.71%
SpS42.77
BVpS63.84
TBVpS58.53
PEG (NY)0.77
PEG (5Y)3.98
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.93% | ||
| ROE | 7.71% | ||
| ROCE | 2.77% | ||
| ROIC | 1.94% | ||
| ROICexc | 1.96% | ||
| ROICexgc | 2.84% | ||
| OM | 16.38% | ||
| PM (TTM) | 11.51% | ||
| GM | N/A | ||
| FCFM | 11.76% |
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-Score8
Asset Turnover0.17
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.83 | ||
| Debt/EBITDA | 1.13 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 7.74 | ||
| Cash Conversion | 40.12% | ||
| Profit Quality | 102.19% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.28%
ROIC/WACC0.27
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)-12.95%
EPS 3Y2.17%
EPS 5Y3.49%
EPS Q2Q%56.03%
EPS Next Y17.99%
EPS Next 2Y19.72%
EPS Next 3Y17.37%
EPS Next 5Y10.98%
Revenue 1Y (TTM)2.53%
Revenue growth 3Y-20.13%
Revenue growth 5Y-11.79%
Sales Q2Q%8.09%
Revenue Next Year4.54%
Revenue Next 2Y3.57%
Revenue Next 3Y3.9%
Revenue Next 5Y4.77%
EBIT growth 1Y25.19%
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-25.87%
FCF growth 3Y-19.28%
FCF growth 5YN/A
OCF growth 1Y-25.87%
OCF growth 3Y-19.28%
OCF growth 5YN/A
AMERICAN INTERNATIONAL GROUP / AINN.DE FAQ
Can you provide the ChartMill fundamental rating for AMERICAN INTERNATIONAL GROUP?
ChartMill assigns a fundamental rating of 4 / 10 to AINN.DE.
What is the valuation status of AMERICAN INTERNATIONAL GROUP (AINN.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to AMERICAN INTERNATIONAL GROUP (AINN.DE). This can be considered as Fairly Valued.
What is the profitability of AINN stock?
AMERICAN INTERNATIONAL GROUP (AINN.DE) has a profitability rating of 5 / 10.
How financially healthy is AMERICAN INTERNATIONAL GROUP?
The financial health rating of AMERICAN INTERNATIONAL GROUP (AINN.DE) is 3 / 10.
Can you provide the dividend sustainability for AINN stock?
The dividend rating of AMERICAN INTERNATIONAL GROUP (AINN.DE) is 4 / 10 and the dividend payout ratio is 30.82%.