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AMERICAN INTERNATIONAL GROUP (AINN.DE) Stock Fundamental Analysis

FRA:AINN - Deutsche Boerse Ag - US0268747849 - Common Stock - Currency: EUR

71.06  -0.1 (-0.14%)

Fundamental Rating

3

Taking everything into account, AINN scores 3 out of 10 in our fundamental rating. AINN was compared to 32 industry peers in the Insurance industry. The financial health of AINN is average, but there are quite some concerns on its profitability. AINN has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

AINN had positive earnings in the past year.
AINN had a positive operating cash flow in the past year.
AINN had positive earnings in 4 of the past 5 years.
Of the past 5 years AINN 4 years 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B -5B 10B 15B

1.2 Ratios

The Return On Assets of AINN (-1.32%) is worse than 96.67% of its industry peers.
With a Return On Equity value of -4.97%, AINN is not doing good in the industry: 96.67% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 0.37%, AINN is doing worse than 70.00% 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 2.08%.
Industry RankSector Rank
ROA -1.32%
ROE -4.97%
ROIC 0.37%
ROA(3y)1.45%
ROA(5y)0.79%
ROE(3y)16.18%
ROE(5y)8.92%
ROIC(3y)1.54%
ROIC(5y)1.21%
AINN.DE Yearly ROA, ROE, ROICAINN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20

1.3 Margins

With a Operating Margin value of 2.62%, AINN is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
AINN's Operating Margin has improved in the last couple of years.
AINN does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM 2.62%
PM (TTM) N/A
GM N/A
OM growth 3Y13.07%
OM growth 5Y18.95%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 20

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AINN 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 an improved debt to assets ratio.
AINN.DE Yearly Shares OutstandingAINN.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B
AINN.DE Yearly Total Debt VS Total AssetsAINN.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100B 200B 300B 400B 500B

2.2 Solvency

AINN has a debt to FCF ratio of 1.96. This is a very positive value and a sign of high solvency as it would only need 1.96 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.96, AINN is in the better half of the industry, outperforming 73.33% 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.
With an excellent Debt to Equity ratio value of 0.22, AINN belongs to the best of the industry, outperforming 86.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.96
Altman-Z N/A
ROIC/WACC0.05
WACC7.14%
AINN.DE Yearly LT Debt VS Equity VS FCFAINN.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20B 40B 60B 80B

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 500M 1B 1.5B 2B 2.5B

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3

3. Growth

3.1 Past

AINN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.30%.
The Earnings Per Share has been growing by 43.35% on average over the past years. This is a very strong growth
The Revenue for AINN has decreased by -23.08% in the past year. This is quite bad
Measured over the past years, AINN shows a decrease in Revenue. The Revenue has been decreasing by -0.42% on average per year.
EPS 1Y (TTM)-6.3%
EPS 3Y39.08%
EPS 5Y43.35%
EPS Q2Q%-23.6%
Revenue 1Y (TTM)-23.08%
Revenue growth 3Y2.18%
Revenue growth 5Y-0.42%
Sales Q2Q%-47.15%

3.2 Future

Based on estimates for the next years, AINN will show a decrease in Earnings Per Share. The EPS will decrease by -0.10% on average per year.
Based on estimates for the next years, AINN will show a small growth in Revenue. The Revenue will grow by 2.57% on average per year.
EPS Next Y-25.37%
EPS Next 2Y-0.61%
EPS Next 3Y5%
EPS Next 5Y-0.1%
Revenue Next Year-47.22%
Revenue Next 2Y-26.32%
Revenue Next 3Y-17.33%
Revenue Next 5Y2.57%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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.
AINN.DE Yearly Revenue VS EstimatesAINN.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
AINN.DE Yearly EPS VS EstimatesAINN.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

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4

4. Valuation

4.1 Price/Earnings Ratio

AINN is valuated correctly with a Price/Earnings ratio of 12.34.
The rest of the industry has a similar Price/Earnings ratio as AINN.
When comparing the Price/Earnings ratio of AINN to the average of the S&P500 Index (28.47), we can say AINN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.97, the valuation of AINN can be described as reasonable.
Based on the Price/Forward Earnings ratio, AINN is valued a bit more expensive than the industry average as 63.33% of the companies are valued more cheaply.
AINN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 92.74.
Industry RankSector Rank
PE 12.34
Fwd PE 10.97
AINN.DE Price Earnings VS Forward Price EarningsAINN.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

AINN's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AINN indicates a somewhat cheap valuation: AINN is cheaper than 63.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.91
EV/EBITDA 12.49
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

PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2Y-0.61%
EPS Next 3Y5%

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2

5. Dividend

5.1 Amount

AINN has a Yearly Dividend Yield of 2.12%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.12, AINN pays less dividend than the industry average, which is at 5.01. 90.00% of the companies listed in the same industry pay a better dividend than AINN!
Compared to an average S&P500 Dividend Yield of 2.28, AINN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.12%

5.2 History

The dividend of AINN has a limited annual growth rate of 2.27%.
Dividend Growth(5Y)2.27%
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 0.5 1 1.5

5.3 Sustainability

AINN has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-46.29%
EPS Next 2Y-0.61%
EPS Next 3Y5%
AINN.DE Yearly Income VS Free CF VS DividendAINN.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B -5B 10B

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AMERICAN INTERNATIONAL GROUP

FRA:AINN (2/4/2025, 7:00:00 PM)

71.06

-0.1 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2024-11-04/amc
Earnings (Next)02-11 2025-02-11/amc
Inst Owners94.02%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap44.33B
Analysts76.52
Price Target80.6 (13.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
Yearly Dividend1.44
Dividend Growth(5Y)2.27%
DP-46.29%
Div Incr Years2
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.53%
Min EPS beat(2)-11.57%
Max EPS beat(2)10.5%
EPS beat(4)3
Avg EPS beat(4)3.35%
Min EPS beat(4)-11.57%
Max EPS beat(4)10.5%
EPS beat(8)7
Avg EPS beat(8)5.89%
EPS beat(12)11
Avg EPS beat(12)9.82%
EPS beat(16)14
Avg EPS beat(16)9.96%
Revenue beat(2)1
Avg Revenue beat(2)0.88%
Min Revenue beat(2)-0.04%
Max Revenue beat(2)1.8%
Revenue beat(4)2
Avg Revenue beat(4)-3.49%
Min Revenue beat(4)-22.24%
Max Revenue beat(4)6.54%
Revenue beat(8)4
Avg Revenue beat(8)-5.46%
Revenue beat(12)8
Avg Revenue beat(12)4.11%
Revenue beat(16)10
Avg Revenue beat(16)4.48%
PT rev (1m)0.27%
PT rev (3m)1.58%
EPS NQ rev (1m)-6.91%
EPS NQ rev (3m)-32.19%
EPS NY rev (1m)-1.12%
EPS NY rev (3m)-6.2%
Revenue NQ rev (1m)-0.57%
Revenue NQ rev (3m)-1.78%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)-6.88%
Valuation
Industry RankSector Rank
PE 12.34
Fwd PE 10.97
P/S 1.54
P/FCF 8.91
P/OCF 8.91
P/B 1.02
P/tB 1.1
EV/EBITDA 12.49
EPS(TTM)5.76
EY8.11%
EPS(NY)6.48
Fwd EY9.12%
FCF(TTM)7.97
FCFY11.22%
OCF(TTM)7.97
OCFY11.22%
SpS46.11
BVpS69.86
TBVpS64.51
PEG (NY)N/A
PEG (5Y)0.28
Profitability
Industry RankSector Rank
ROA -1.32%
ROE -4.97%
ROCE 0.46%
ROIC 0.37%
ROICexc 0.37%
ROICexgc 0.53%
OM 2.62%
PM (TTM) N/A
GM N/A
FCFM 17.29%
ROA(3y)1.45%
ROA(5y)0.79%
ROE(3y)16.18%
ROE(5y)8.92%
ROIC(3y)1.54%
ROIC(5y)1.21%
ROICexc(3y)1.54%
ROICexc(5y)1.21%
ROICexgc(3y)2.3%
ROICexgc(5y)1.79%
ROCE(3y)1.95%
ROCE(5y)1.53%
ROICexcg growth 3Y18.66%
ROICexcg growth 5YN/A
ROICexc growth 3Y18.68%
ROICexc growth 5YN/A
OM growth 3Y13.07%
OM growth 5Y18.95%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.96
Debt/EBITDA 2.31
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.87
Cash Conversion 118.05%
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.14%
ROIC/WACC0.05
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)91.16%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.3%
EPS 3Y39.08%
EPS 5Y43.35%
EPS Q2Q%-23.6%
EPS Next Y-25.37%
EPS Next 2Y-0.61%
EPS Next 3Y5%
EPS Next 5Y-0.1%
Revenue 1Y (TTM)-23.08%
Revenue growth 3Y2.18%
Revenue growth 5Y-0.42%
Sales Q2Q%-47.15%
Revenue Next Year-47.22%
Revenue Next 2Y-26.32%
Revenue Next 3Y-17.33%
Revenue Next 5Y2.57%
EBIT growth 1Y-87.85%
EBIT growth 3Y15.53%
EBIT growth 5Y18.45%
EBIT Next Year17.24%
EBIT Next 3Y11.26%
EBIT Next 5YN/A
FCF growth 1Y5.72%
FCF growth 3Y81.86%
FCF growth 5Y152.35%
OCF growth 1Y5.72%
OCF growth 3Y81.86%
OCF growth 5Y152.35%