(AIG) American International - Ratings and Ratios
Commercial, International, Personal, Property, Liability
AIG EPS (Earnings per Share)
AIG Revenue
Description: AIG American International
American International Group, Inc. (AIG) is a diversified insurer that serves commercial, institutional, and individual customers across North America and globally. The firm operates through three primary segments: North America Commercial, International Commercial, and Global Personal.
Its commercial portfolio includes property and casualty lines such as industrial property, business interruption, general liability, environmental, commercial auto, workers’ compensation, excess casualty, and crisis-management coverage, as well as professional liability. AIG also underwrites specialty lines-marine, energy-related property, aviation, political risk, trade credit, and trade-finance products-while its personal-line business offers auto, homeowners, supplemental health, accident, extended-warranty, device-protection, and high-net-worth insurance solutions.
Beyond underwriting, AIG generates non-insurance income from mortgage and other loan receivables, including commercial mortgages, life-policy loans, and commercial loans. As of FY 2023, the company reported a combined ratio of 93.5% in its commercial segment, a net income of $2.9 billion, and a return on equity (ROE) of roughly 8.5%, reflecting modest profitability amid a low-interest-rate environment that pressures investment income. Key sector drivers include the frequency and severity of natural catastrophes, which directly affect loss reserves, and the prevailing interest-rate cycle, which influences both investment yields and the valuation of its loan portfolio.
For deeper quantitative analysis, the ValueRay platform provides tools to model AIG’s exposure to interest-rate shifts and catastrophe risk, helping investors assess the company’s risk-adjusted upside.
AIG Stock Overview
| Market Cap in USD | 42,858m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception | 1984-09-07 |
AIG Stock Ratings
| Growth Rating | 68.7% |
| Fundamental | 48.1% |
| Dividend Rating | 58.4% |
| Return 12m vs S&P 500 | -9.64% |
| Analyst Rating | 3.76 of 5 |
AIG Dividends
| Dividend Yield 12m | 2.17% |
| Yield on Cost 5y | 5.90% |
| Annual Growth 5y | 5.07% |
| Payout Consistency | 87.3% |
| Payout Ratio | 30.9% |
AIG Growth Ratios
| Growth Correlation 3m | 13.3% |
| Growth Correlation 12m | 57.2% |
| Growth Correlation 5y | 92.4% |
| CAGR 5y | 16.05% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.61 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.74 |
| Sharpe Ratio 12m | 0.21 |
| Alpha | -9.36 |
| Beta | 0.686 |
| Volatility | 27.30% |
| Current Volume | 5136.3k |
| Average Volume 20d | 3969.3k |
| Stop Loss | 76.5 (-3.1%) |
| Signal | 0.48 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (3.20b TTM) > 0 and > 6% of Revenue (6% = 1.67b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -1.73pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 48.99% (prev 66.45%; Δ -17.46pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 3.16b <= Net Income 3.20b (YES >=105%, WARN >=100%) |
| Net Debt (7.43b) to EBITDA (5.37b) ratio: 1.38 <= 3.0 (WARN <= 3.5) |
| Current Ratio 8.40 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (588.5m) change vs 12m ago -11.76% (target <= -2.0% for YES) |
| Gross Margin 46.00% (prev 70.82%; Δ -24.82pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 16.64% (prev 21.71%; Δ -5.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.31 (EBITDA TTM 5.37b / Interest Expense TTM 413.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.63
| (A) 0.08 = (Total Current Assets 15.45b - Total Current Liabilities 1.84b) / Total Assets 165.97b |
| (B) 0.22 = Retained Earnings (Balance) 36.42b / Total Assets 165.97b |
| (C) 0.01 = EBIT TTM 1.78b / Avg Total Assets 166.93b |
| (D) 0.29 = Book Value of Equity 35.64b / Total Liabilities 124.44b |
| Total Rating: 1.63 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 48.06
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 7.86% = 3.93 |
| 3. FCF Margin 11.37% = 2.84 |
| 4. Debt/Equity 0.22 = 2.48 |
| 5. Debt/Ebitda 1.38 = 1.16 |
| 6. ROIC - WACC (= -4.63)% = -5.78 |
| 7. RoE 7.51% = 0.63 |
| 8. Rev. Trend -71.88% = -5.39 |
| 9. EPS Trend -6.03% = -0.30 |
What is the price of AIG shares?
Over the past week, the price has changed by -2.86%, over one month by +3.15%, over three months by -2.48% and over the past year by +4.70%.
Is American International a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AIG is around 81.26 USD . This means that AIG is currently overvalued and has a potential downside of 2.94%.
Is AIG a buy, sell or hold?
- Strong Buy: 5
- Buy: 3
- Hold: 9
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the AIG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 88.8 | 12.5% |
| Analysts Target Price | 88.8 | 12.5% |
| ValueRay Target Price | 89.5 | 13.4% |
Last update: 2025-10-20 02:08
AIG Fundamental Data Overview
P/E Trailing = 14.4598
P/E Forward = 10.2775
P/S = 1.5644
P/B = 1.0631
P/EG = 0.8547
Beta = 0.686
Revenue TTM = 27.78b USD
EBIT TTM = 1.78b USD
EBITDA TTM = 5.37b USD
Long Term Debt = 9.26b USD (from longTermDebt, last quarter)
Short Term Debt = 541.0m USD (from shortTermDebt, last fiscal year)
Debt = 9.26b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.43b USD (from netDebt column, last quarter)
Enterprise Value = 40.19b USD (42.86b + Debt 9.26b - CCE 11.93b)
Interest Coverage Ratio = 4.31 (Ebit TTM 1.78b / Interest Expense TTM 413.0m)
FCF Yield = 7.86% (FCF TTM 3.16b / Enterprise Value 40.19b)
FCF Margin = 11.37% (FCF TTM 3.16b / Revenue TTM 27.78b)
Net Margin = 11.52% (Net Income TTM 3.20b / Revenue TTM 27.78b)
Gross Margin = 46.00% ((Revenue TTM 27.78b - Cost of Revenue TTM 15.00b) / Revenue TTM)
Gross Margin QoQ = 38.80% (prev 31.81%)
Tobins Q-Ratio = 0.24 (Enterprise Value 40.19b / Total Assets 165.97b)
Interest Expense / Debt = 1.08% (Interest Expense 100.0m / Debt 9.26b)
Taxrate = 25.91% (400.0m / 1.54b)
NOPAT = 1.32b (EBIT 1.78b * (1 - 25.91%))
Current Ratio = 8.40 (Total Current Assets 15.45b / Total Current Liabilities 1.84b)
Debt / Equity = 0.22 (Debt 9.26b / totalStockholderEquity, last quarter 41.50b)
Debt / EBITDA = 1.38 (Net Debt 7.43b / EBITDA 5.37b)
Debt / FCF = 2.35 (Net Debt 7.43b / FCF TTM 3.16b)
Total Stockholder Equity = 42.62b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.93% (Net Income 3.20b / Total Assets 165.97b)
RoE = 7.51% (Net Income TTM 3.20b / Total Stockholder Equity 42.62b)
RoCE = 3.43% (EBIT 1.78b / Capital Employed (Equity 42.62b + L.T.Debt 9.26b))
RoIC = 2.54% (NOPAT 1.32b / Invested Capital 51.87b)
WACC = 7.17% (E(42.86b)/V(52.12b) * Re(8.54%) + D(9.26b)/V(52.12b) * Rd(1.08%) * (1-Tc(0.26)))
Discount Rate = 8.54% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -8.83%
[DCF Debug] Terminal Value 74.72% ; FCFE base≈4.33b ; Y1≈3.89b ; Y5≈3.33b
Fair Price DCF = 99.29 (DCF Value 55.01b / Shares Outstanding 554.0m; 5y FCF grow -12.62% → 3.0% )
EPS Correlation: -6.03 | EPS CAGR: -35.59% | SUE: -2.00 | # QB: 0
Revenue Correlation: -71.88 | Revenue CAGR: -22.00% | SUE: 0.10 | # QB: 0
Additional Sources for AIG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle