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

  • In the past year AINN was profitable.
  • AINN had a positive operating cash flow in the past year.
  • 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.
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 Return On Assets of 1.93%. This is in the better half of the industry: AINN outperforms 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 2.76%.
  • 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • AINN has less shares outstanding than it did 1 year ago.
  • AINN has less shares outstanding than it did 5 years ago.
  • AINN has a worse debt/assets ratio than last year.
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

  • 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.
  • The Debt to FCF ratio of AINN (2.83) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.22 indicates that AINN is not too dependend on debt financing.
  • The Debt to Equity ratio of AINN (0.22) is better than 90.00% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. AINN.DE Growth Analysis

3.1 Past

  • AINN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.95%.
  • The Earnings Per Share has been growing slightly by 3.49% on average over the past years.
  • AINN shows a small growth in Revenue. In the last year, the Revenue has grown by 2.53%.
  • The Revenue for AINN have been decreasing by -11.79% on average. This is quite bad
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

  • The Earnings Per Share is expected to grow by 10.98% 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 Y17.99%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

  • Based on the Price/Earnings ratio of 13.88, the valuation of AINN can be described as correct.
  • 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.
  • Compared to an average S&P500 Price/Earnings ratio of 27.38, AINN is valued a bit cheaper.
  • AINN is valuated reasonably with a Price/Forward Earnings ratio of 9.78.
  • AINN's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.20, AINN is valued rather cheaply.
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 10 20 30

4.2 Price Multiples

  • 80.00% of the companies in the same industry are more expensive than AINN, based on the Enterprise Value to EBITDA ratio.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as AINN.
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

  • 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 17.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)3.98
EPS Next 2Y19.72%
EPS Next 3Y17.37%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

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.
  • With a Dividend Yield of 2.26, AINN pays less dividend than the industry average, which is at 4.28. 82.50% of the companies listed in the same industry pay a better dividend than AINN!
  • AINN's Dividend Yield is a higher than the S&P500 average which is at 1.82.
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 Number0 (-100%)
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.