AMERICAN INTERNATIONAL GROUP (AINN.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AINN - US0268747849 - Common Stock
65.25 EUR
-1.02 (-1.54%)
We assign a fundamental rating of 4 out of 10 to AINN. AINN was compared to 47 industry peers in the Insurance industry. AINN has a medium profitability rating, but doesn't score so well on its financial health evaluation. AINN has a correct valuation and a medium growth rate.
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.
AINN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.93%, AINN is in the better half of the industry, outperforming 77.50% of the companies in the same industry.
AINN's Return On Equity of 7.71% is on the low side compared to the rest of the industry. AINN is outperformed by 75.00% of its industry peers.
AINN has a better Return On Invested Capital (1.94%) 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 2.63%.
The 3 year average ROIC (1.44%) for AINN is below the current ROIC(1.94%), indicating increased profibility in the last year.
| 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 Profit Margin of 11.51%. This is in the better half of the industry: AINN outperforms 72.50% of its industry peers.
Looking at the Operating Margin, with a value of 16.38%, AINN is in the better half of the industry, outperforming 77.50% of the companies in the same industry.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AINN is destroying value.
AINN has less shares outstanding than it did 1 year ago.
The number of shares outstanding for AINN has been reduced compared to 5 years ago.
AINN has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of AINN is 2.83, which is a good value as it means it would take AINN, 2.83 years of fcf income to pay off all of its debts.
AINN's Debt to FCF ratio of 2.83 is in line compared to the rest of the industry. AINN outperforms 57.50% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that AINN is not too dependend on debt financing.
AINN's Debt to Equity ratio of 0.22 is amongst the best of the industry. AINN outperforms 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%.
AINN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.49% yearly.
The Revenue has been growing slightly by 2.53% 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)-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.
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
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
With a Price/Earnings ratio of 13.88, AINN is valued correctly.
62.50% of the companies in the same industry are cheaper than AINN, based on the Price/Earnings ratio.
AINN is valuated rather cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.78, which indicates a very decent valuation of AINN.
The rest of the industry has a similar Price/Forward Earnings ratio as AINN.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, 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.
AINN's Price/Free Cash Flow is on the same level as the industry average.
| 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%.
With a Dividend Yield of 2.26, AINN pays less dividend than the industry average, which is at 3.90. 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 2.00, AINN has a dividend comparable with the average S&P500 company.
| 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%.