AIG American International Group, Inc. - Fundamental Analysis
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AIG Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Insurance - Diversified
Current Price
Live
$72.32
Analyst Target
$86.95
+20.2%
Upside
52W High
$88.07
52W Low
$71.25
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$40.07B
P/E
13.01
ROE
7.7%
Profit margin
12.0%
Debt/Equity
0.22
Dividend yield
2.49%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
AIG's Advanced Deterministic Scorecard reveals a weak financial health profile with a Piotroski F-Score of 3/9, indicating significant operational and balance sheet concerns. Despite this, valuation appears attractive with a Price/Book of 0.96 and a forward P/E of 9.21, below sector averages, while earnings growth and strong analyst sentiment provide counterbalance. The stock trades well below the Graham Number of $97.16 and intrinsic value estimate of $164.02, suggesting potential undervaluation, but weak liquidity ratios and inconsistent revenue growth raise sustainability questions. Mixed technical trends and lack of insider activity further support a cautious stance despite solid recent earnings surprises and a sustainable dividend yield.
Key Strengths
Attractive valuation metrics with P/E of 13.01 and forward P/E of 9.21, below sector average of 22.01
Strong recent earnings performance with 3 out of last 4 quarters beating estimates and average surprise of 21.97%
Low debt burden with Debt/Equity ratio of 0.22, well below sector average of 2.05
Sustainable dividend policy with 2.49% yield and low payout ratio of 30.58%
Significant earnings growth momentum: YoY EPS growth of 78.9% and Q/Q of 11.1%
Key Risks
Very weak Piotroski F-Score of 3/9, signaling poor financial health and operational deterioration
Critically low liquidity with Current Ratio of 0.62 and Quick Ratio of 0.21, indicating potential short-term solvency risk
Negative revenue growth of -4.10% YoY, contrasting with sector average of 41.24%
Missing Altman Z-Score prevents distress risk assessment, but low ROE of 7.69% and weak current ratio suggest caution
Deteriorating price performance: -16.4% over 1 month and -8.7% over 6 months, underperforming peers
AI Fair Value Estimate
Based on comprehensive analysis
$97.16
+34.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
59
Moderate
75
68
52
30
70
AI Verdict
Mixed outlook with value and earnings growth offset by weak financial health and liquidity
Key drivers: Low Piotroski F-Score (3/9), Attractive forward valuation (P/E 9.21), Strong recent EPS growth and beat rates, Critically low Current and Quick Ratios, Dividend sustainability and low leverage
Confidence
70%
Value
75/100
Ref P/E, PEG, Graham Number
Positives
- Price/Book of 0.96 suggests book value support
- Forward P/E of 9.21 is significantly below sector average of 22.01
- Current price of $72.32 is below Graham Number of $97.16
Watchpoints
- PEG Ratio unavailable limits growth-adjusted valuation analysis
- EV/EBITDA and other enterprise metrics missing
Future
68/100
Ref Growth rates
Positives
- High YoY EPS growth of 78.9%
- Q/Q EPS growth of 11.1%
- Forward P/E implies earnings growth expectations
Watchpoints
- Revenue growth declining YoY (-4.10%)
- No Q/Q revenue growth data available
Past
52/100
Ref Historical trends
Positives
- Consistent earnings beat rate: 3 out of last 4 quarters
- Long-term 5Y return of +104.8% outperforms market
Watchpoints
- Recent price weakness: -16.4% over 1 month
- Mixed quarterly progression with occasional large misses (e.g., -86.5% in 2020)
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Low Debt/Equity ratio of 0.22 indicates conservative capital structure
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- Current Ratio of 0.62 and Quick Ratio of 0.21 signal liquidity risk
- ROE of 7.69% is below cost of equity and sector peers
- Altman Z-Score not available, limiting distress risk analysis
Dividend
70/100
Ref Yield, Payout
Positives
- Dividend yield of 2.49% is above market average
- Payout ratio of 30.58% indicates strong coverage
Watchpoints
- No 5-year average yield data to assess consistency
- Dividend strength score of 50/100 suggests moderate reliability
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$72.32
Analyst Target
$86.95
Upside/Downside
+20.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AIG and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AIG
American International Group, Inc.
Primary
|
+104.8% | +22.4% | -1.0% | -8.7% | -16.4% | -0.8% |
|
PRU
Prudential Financial, Inc.
Peer
|
+67.5% | +28.3% | -0.8% | +11.0% | -3.5% | -5.4% |
|
BBDO
Banco Bradesco S.A.
Peer
|
+15.8% | +72.0% | +93.0% | +43.2% | +18.3% | +14.4% |
|
BBD
Banco Bradesco S.A.
Peer
|
+19.4% | +73.1% | +112.8% | +41.2% | +17.6% | +11.9% |
|
MSCI
MSCI Inc.
Peer
|
+49.6% | +16.3% | -5.3% | -0.6% | +3.2% | -2.7% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
13.01
Forward P/E
9.21
PEG Ratio
N/A
P/B Ratio
0.96
P/S Ratio
1.48
EV/Revenue
1.38
EV/EBITDA
4.49
Market Cap
$40.07B
Profitability
Profit margins and return metrics
Profit Margin
12.02%
Operating Margin
15.24%
Gross Margin
34.01%
ROE
7.69%
ROA
1.78%
Growth
Revenue and earnings growth rates
Revenue Growth
-4.1%
Earnings Growth
+32.3%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+13.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.22
Low debt
Current Ratio
0.62
Weak
Quick Ratio
0.21
Poor
Cash/Share
$20.39
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-10
$N/A
2025-11-04
$2.2
+28.5% surprise
2025-08-06
$1.98
+17.2% surprise
2025-05-01
$1.16
+20.2% surprise
Financial Services Sector Comparison
Comparing AIG against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
13.01
This Stock
vs
30.39
Sector Avg
-57.2%
(Discount)
Return on Equity (ROE)
7.69%
This Stock
vs
-7.57%
Sector Avg
-201.5%
(Below Avg)
Profit Margin
12.02%
This Stock
vs
83.86%
Sector Avg
-85.7%
(Weaker)
Debt to Equity
0.22
This Stock
vs
1.51
Sector Avg
-85.1%
(Less Debt)
Revenue Growth
-4.1%
This Stock
vs
30.29%
Sector Avg
-113.5%
(Slower)
Current Ratio
0.62
This Stock
vs
3.78
Sector Avg
-83.7%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AIG
American International Group, Inc.
|
NEUTRAL | $40.07B | 13.01 | 7.7% | 12.0% | $72.32 | |
|
PRU
Prudential Financial, Inc.
|
NEUTRAL | $39.31B | 15.3 | 8.5% | 4.5% | $111.69 | |
|
BBDO
Banco Bradesco S.A.
|
BEARISH | $38.99B | 9.18 | 12.6% | 24.2% | $3.49 | |
|
BBD
Banco Bradesco S.A.
|
NEUTRAL | $41.78B | 10.68 | 12.6% | 24.2% | $3.95 | |
|
MSCI
MSCI Inc.
|
BULLISH | $43.08B | 35.84 | -% | 40.0% | $565.15 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-05 | CARBONE KATHLEEN | Officer | Stock Award | 5,828 | - |
| 2026-01-05 | NAVAGAMUWA ROSHAN | Chief Technology Officer | Stock Award | 11,657 | - |
| 2025-12-30 | INGLIS JOHN C | Director | Purchase | 13 | $1,200 |
| 2025-12-15 | GLAZER ROSE MARIE E | General Counsel | Stock Award | 5,071 | - |
| 2025-12-08 | ZAFFINO PETER | Chief Executive Officer | Stock Award | 85,403 | - |
| 2025-10-16 | DANDRIDGE EDWARD LEE | Officer | Stock Award | 2,811 | - |
| 2025-09-30 | INGLIS JOHN C | Director | Purchase | 15 | $1,193 |
| 2025-08-18 | ZAFFINO PETER | Chief Executive Officer | Gift | 31,760 | - |
| 2025-08-08 | INGLIS JOHN C | Director | Purchase | 653 | $50,307 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
20 analysts
Cantor Fitzgerald
2026-01-14
Neutral
Neutral
Wells Fargo
2026-01-13
Equal-Weight
Equal-Weight
Barclays
2026-01-08
Equal-Weight
Equal-Weight
Keefe, Bruyette & Woods
2026-01-06
Outperform
Outperform
Piper Sandler
2025-12-22
Overweight
Overweight
TD Cowen
2025-12-16
Hold
Hold
Mizuho
2025-12-16
Neutral
Barclays
2025-12-05
Overweight
Equal-Weight
Goldman Sachs
2025-11-20
Neutral
Neutral
Wells Fargo
2025-11-12
Equal-Weight
Equal-Weight
Past News Coverage
Recent headlines mentioning AIG from our newsroom.
Newest → oldest
No matching news yet.