AMERICAN INTERNATIONAL GROUP (AINN.DE) Fundamental Analysis & Valuation

FRA:AINN • US0268747849

Current stock price

65.25 EUR
-1.02 (-1.54%)
Last:

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

5

1. AINN.DE Profitability Analysis

1.1 Basic Checks

  • AINN had positive earnings in the past year.
  • AINN had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: AINN reported negative net income in multiple years.
  • Each year in the past 5 years AINN had a positive operating cash flow.
AINN.DE Yearly Net Income VS EBIT VS OCF VS FCFAINN.DE 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

  • AINN has a better Return On Assets (1.93%) than 77.50% of its industry peers.
  • With a Return On Equity value of 7.71%, AINN is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
  • With a decent Return On Invested Capital value of 1.94%, AINN is doing good in the industry, outperforming 65.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for AINN is in line with the industry average of 2.95%.
  • The 3 year average ROIC (1.44%) for AINN is below the current ROIC(1.94%), indicating increased profibility in the last year.
Industry RankSector 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%
AINN.DE Yearly ROA, ROE, ROICAINN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

1.3 Margins

  • AINN's Profit Margin of 11.51% is fine compared to the rest of the industry. AINN outperforms 72.50% of its industry peers.
  • With a decent Operating Margin value of 16.38%, AINN is doing good in the industry, outperforming 77.50% of the companies in the same industry.
  • In the last couple of years the Operating Margin of AINN has remained more or less at the same level.
Industry RankSector 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
AINN.DE Yearly Profit, Operating, Gross MarginsAINN.DE 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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3

2. AINN.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AINN is destroying value.
  • The number of shares outstanding for AINN has been reduced compared to 1 year ago.
  • Compared to 5 years ago, AINN has less shares outstanding
  • The debt/assets ratio for AINN is higher compared to a year ago.
AINN.DE Yearly Shares OutstandingAINN.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
AINN.DE Yearly Total Debt VS Total AssetsAINN.DE 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

  • 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.
  • Looking at the Debt to FCF ratio, with a value of 2.83, AINN is in line with its industry, 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.
  • Looking at the Debt to Equity ratio, with a value of 0.22, AINN belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.83
Altman-Z N/A
ROIC/WACC0.27
WACC7.28%
AINN.DE Yearly LT Debt VS Equity VS FCFAINN.DE 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
AINN.DE Yearly Current Assets VS Current LiabilitesAINN.DE 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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4

3. AINN.DE Growth Analysis

3.1 Past

  • The earnings per share for AINN have decreased strongly by -12.95% in the last year.
  • AINN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.49% yearly.
  • Looking at the last year, AINN shows a small growth in Revenue. The Revenue has grown by 2.53% in the last 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)-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

  • AINN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.98% yearly.
  • AINN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.77% yearly.
EPS Next Y17.99%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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.
AINN.DE Yearly Revenue VS EstimatesAINN.DE 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
AINN.DE Yearly EPS VS EstimatesAINN.DE 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. AINN.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.88, which indicates a correct valuation of AINN.
  • Based on the Price/Earnings ratio, AINN is valued a bit more expensive than 62.50% of the companies in the same industry.
  • AINN is valuated rather cheaply when we compare the Price/Earnings ratio to 25.35, which is the current average of the S&P500 Index.
  • AINN is valuated reasonably with a Price/Forward Earnings ratio of 9.78.
  • The rest of the industry has a similar Price/Forward Earnings ratio as AINN.
  • The average S&P500 Price/Forward Earnings ratio is at 22.61. AINN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.88
Fwd PE 9.78
AINN.DE Price Earnings VS Forward Price EarningsAINN.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AINN indicates a somewhat cheap valuation: AINN is cheaper than 80.00% of the companies listed in the same industry.
  • AINN's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.98
EV/EBITDA 6.12
AINN.DE Per share dataAINN.DE 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 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%

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4

5. AINN.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.26%, AINN has a reasonable but not impressive dividend return.
  • 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!
  • Compared to an average S&P500 Dividend Yield of 1.89, AINN has a dividend comparable with the average S&P500 company.
Industry RankSector 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
AINN.DE Yearly Dividends per shareAINN.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 30.82% of the earnings are spent on dividend by AINN. This is a low number and 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%
AINN.DE Yearly Income VS Free CF VS DividendAINN.DE 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
AINN.DE Dividend Payout.AINN.DE Dividend Payout, showing the Payout Ratio.AINN.DE Dividend Payout.PayoutRetained Earnings

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AINN.DE Fundamentals: All Metrics, Ratios and Statistics

AMERICAN INTERNATIONAL GROUP

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)08-06
Earnings (Next)10-29
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for AMERICAN INTERNATIONAL GROUP?

ChartMill assigns a fundamental rating of 4 / 10 to AINN.DE.


Can you provide the valuation status for AMERICAN INTERNATIONAL GROUP?

ChartMill assigns a valuation rating of 5 / 10 to AMERICAN INTERNATIONAL GROUP (AINN.DE). This can be considered as Fairly Valued.


How profitable is AMERICAN INTERNATIONAL GROUP (AINN.DE) stock?

AMERICAN INTERNATIONAL GROUP (AINN.DE) has a profitability rating of 5 / 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 (AINN.DE) is 13.88 and the Price/Book (PB) ratio is 1.02.


What is the financial health of AMERICAN INTERNATIONAL GROUP (AINN.DE) stock?

The financial health rating of AMERICAN INTERNATIONAL GROUP (AINN.DE) is 3 / 10.