AMERICAN INTERNATIONAL GROUP (AINN.DE) Stock Fundamental Analysis
FRA:AINN - Deutsche Boerse Ag - US0268747849 - Common Stock - Currency: EUR
Taking everything into account, AINN scores 3 out of 10 in our fundamental rating. AINN was compared to 38 industry peers in the Insurance industry. AINN has a medium profitability rating, but doesn't score so well on its financial health evaluation. AINN is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
AINN had positive earnings in the past year.
In the past year AINN had a positive cash flow from operations.
In multiple years AINN reported negative net income over the last 5 years.
Each year in the past 5 years AINN had a positive operating cash flow.
1.2 Ratios
AINN has a worse Return On Assets (-1.19%) than 92.11% of its industry peers.
AINN's Return On Equity of -4.64% is on the low side compared to the rest of the industry. AINN is outperformed by 92.11% of its industry peers.
AINN has a better Return On Invested Capital (1.57%) than 71.05% of its industry peers.
AINN had an Average Return On Invested Capital over the past 3 years of 1.43%. This is in line with the industry average of 2.06%.
The last Return On Invested Capital (1.57%) for AINN is above the 3 year average (1.43%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.19% | ||
| ROE | -4.64% | ||
| ROIC | 1.57% |
ROA(3y)0.58%
ROA(5y)0.49%
ROE(3y)9.84%
ROE(5y)7.24%
ROIC(3y)1.43%
ROIC(5y)1.21%
1.3 Margins
AINN's Operating Margin of 13.22% is fine compared to the rest of the industry. AINN outperforms 65.79% of its industry peers.
In the last couple of years the Operating Margin of AINN has remained more or less at the same level.
AINN does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.22% | ||
| PM (TTM) | N/A | ||
| 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.
The number of shares outstanding for AINN has been reduced compared to 1 year ago.
AINN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AINN has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of AINN is 3.24, which is a good value as it means it would take AINN, 3.24 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of AINN (3.24) is comparable to the rest of the industry.
AINN has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
AINN has a Debt to Equity ratio of 0.21. This is amongst the best in the industry. AINN outperforms 92.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 3.24 | ||
| Altman-Z | N/A |
ROIC/WACC0.21
WACC7.56%
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 -29.77%.
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.
The Revenue has decreased by -2.58% in the past year.
Measured over the past years, AINN shows a very negative growth in Revenue. The Revenue has been decreasing by -11.79% on average per year.
EPS 1Y (TTM)-29.77%
EPS 3Y2.17%
EPS 5Y3.49%
EPS Q2Q%-33.9%
Revenue 1Y (TTM)-2.58%
Revenue growth 3Y-20.13%
Revenue growth 5Y-11.79%
Sales Q2Q%-45.57%
3.2 Future
The Earnings Per Share is expected to grow by 11.00% on average over the next years. This is quite good.
AINN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.77% yearly.
EPS Next Y17.08%
EPS Next 2Y20.29%
EPS Next 3Y18.35%
EPS Next 5Y11%
Revenue Next Year4.9%
Revenue Next 2Y4.23%
Revenue Next 3Y5.18%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 17.04 indicates a rather expensive valuation of AINN.
65.79% of the companies in the same industry are cheaper than AINN, based on the Price/Earnings ratio.
AINN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.30.
AINN is valuated reasonably with a Price/Forward Earnings ratio of 10.48.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AINN is on the same level as its industry peers.
AINN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.04 | ||
| Fwd PE | 10.48 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AINN is valued cheaply inside the industry as 84.21% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AINN indicates a slightly more expensive valuation: AINN is more expensive than 60.53% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.69 | ||
| EV/EBITDA | 7.7 |
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.
AINN's earnings are expected to grow with 18.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)1
PEG (5Y)4.89
EPS Next 2Y20.29%
EPS Next 3Y18.35%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.16%, AINN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.58, AINN's dividend is way lower than its industry peers. On top of this 86.84% of the companies listed in the same industry pay a better dividend than AINN!
Compared to an average S&P500 Dividend Yield of 2.37, AINN has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
AINN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-51.66%
EPS Next 2Y20.29%
EPS Next 3Y18.35%
FRA:AINN (7/10/2025, 7:00:00 PM)
70.71
-0.34 (-0.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.85%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap40.75B
Analysts74.78
Price Target79.88 (12.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
Yearly Dividend1.34
Dividend Growth(5Y)3.87%
DP-51.66%
Div Incr Years2
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.71%
Min EPS beat(2)4.69%
Max EPS beat(2)14.73%
EPS beat(4)3
Avg EPS beat(4)4.59%
Min EPS beat(4)-11.57%
Max EPS beat(4)14.73%
EPS beat(8)7
Avg EPS beat(8)6.06%
EPS beat(12)11
Avg EPS beat(12)8.06%
EPS beat(16)15
Avg EPS beat(16)10.7%
Revenue beat(2)2
Avg Revenue beat(2)5.26%
Min Revenue beat(2)2.88%
Max Revenue beat(2)7.63%
Revenue beat(4)3
Avg Revenue beat(4)3.07%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)7.63%
Revenue beat(8)6
Avg Revenue beat(8)1.37%
Revenue beat(12)8
Avg Revenue beat(12)-14.51%
Revenue beat(16)11
Avg Revenue beat(16)-7.66%
PT rev (1m)-0.81%
PT rev (3m)3.79%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)-1.35%
EPS NY rev (1m)0.08%
EPS NY rev (3m)2.24%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)3.01%
Revenue NY rev (1m)-0.24%
Revenue NY rev (3m)4.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.04 | ||
| Fwd PE | 10.48 | ||
| P/S | 1.75 | ||
| P/FCF | 17.69 | ||
| P/OCF | 17.69 | ||
| P/B | 1.15 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | 7.7 |
EPS(TTM)4.15
EY5.87%
EPS(NY)6.75
Fwd EY9.54%
FCF(TTM)4
FCFY5.65%
OCF(TTM)4
OCFY5.65%
SpS40.41
BVpS61.4
TBVpS56.36
PEG (NY)1
PEG (5Y)4.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.19% | ||
| ROE | -4.64% | ||
| ROCE | 2.25% | ||
| ROIC | 1.57% | ||
| ROICexc | 1.59% | ||
| ROICexgc | 2.32% | ||
| OM | 13.22% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 9.89% |
ROA(3y)0.58%
ROA(5y)0.49%
ROE(3y)9.84%
ROE(5y)7.24%
ROIC(3y)1.43%
ROIC(5y)1.21%
ROICexc(3y)1.44%
ROICexc(5y)1.22%
ROICexgc(3y)2.11%
ROICexgc(5y)1.79%
ROCE(3y)2.06%
ROCE(5y)1.74%
ROICexcg growth 3Y3.35%
ROICexcg growth 5Y12.63%
ROICexc growth 3Y4.86%
ROICexc growth 5Y12.01%
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-Score5
Asset Turnover0.17
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 3.24 | ||
| Debt/EBITDA | 1.2 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.81 | ||
| Cash Conversion | 37.71% | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.56%
ROIC/WACC0.21
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)-29.77%
EPS 3Y2.17%
EPS 5Y3.49%
EPS Q2Q%-33.9%
EPS Next Y17.08%
EPS Next 2Y20.29%
EPS Next 3Y18.35%
EPS Next 5Y11%
Revenue 1Y (TTM)-2.58%
Revenue growth 3Y-20.13%
Revenue growth 5Y-11.79%
Sales Q2Q%-45.57%
Revenue Next Year4.9%
Revenue Next 2Y4.23%
Revenue Next 3Y5.18%
Revenue Next 5Y4.77%
EBIT growth 1Y-10.46%
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-41.25%
FCF growth 3Y-19.28%
FCF growth 5YN/A
OCF growth 1Y-41.25%
OCF growth 3Y-19.28%
OCF growth 5YN/A