AMERICAN INTERNATIONAL GROUP (AINN.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AINN - US0268747849 - Common Stock
65.25 EUR
-1.02 (-1.54%)
Taking everything into account, AINN scores 4 out of 10 in our fundamental rating. AINN was compared to 49 industry peers in the Insurance industry. There are concerns on the financial health of AINN while its profitability can be described as average. AINN has a decent growth rate and is not valued too expensively.
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
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.
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.
AINN has a Return On Invested Capital of 1.94%. This is in the better half of the industry: AINN outperforms 65.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AINN is in line with the industry average of 2.69%.
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 Profit Margin of 11.51%. This is in the better half of the industry: AINN outperforms 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.
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
AINN has a worse debt/assets ratio than last year.
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.
AINN has a Debt to FCF ratio of 2.83. This is comparable to the rest of the industry: AINN outperforms 57.50% of its industry peers.
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 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
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.
AINN shows a small growth in Revenue. In the last year, the Revenue has grown by 2.53%.
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.
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.
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
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 the industry average as 62.50% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of AINN to the average of the S&P500 Index (27.19), we can say AINN is valued slightly cheaper.
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.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, 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 ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.98 | ||
| EV/EBITDA | 6.12 |
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%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.26%, AINN has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.26, AINN pays less dividend than the industry average, which is at 4.08. 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 1.94.
| 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.
AINN's earnings are growing more than its dividend. This makes the dividend growth 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.
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.
What is the profitability of AINN stock?
AMERICAN INTERNATIONAL GROUP (AINN.DE) has a profitability rating of 5 / 10.
Can you provide the expected EPS growth for AINN stock?
The Earnings per Share (EPS) of AMERICAN INTERNATIONAL GROUP (AINN.DE) is expected to grow by 17.99% in the next year.
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%.