AIG Stock Analysis: American International | NYSE
Insurance - Diversified | NYSE, USA | Market Cap: 39.180m USD | 12M Return: -5.1% | US0268747849 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 358M
EPS Trend: -2.3%
Qual. Beats: 0
Rev. Trend: -89.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
American International Group, Inc. (AIG) is a global insurance provider serving commercial, institutional, and individual customers across North America and international markets through three segments: North America Commercial, International Commercial, and Global Personal. Its product portfolio spans commercial property and casualty lines (including business interruption, general liability, workers compensation, marine, aviation, and political risk), specialty personal accident and supplemental health coverage, personal auto and homeowners insurance, and extended warranty/device protection products. AIG also holds a lending book that includes commercial mortgages, life insurance policy loans, and other notes receivable.
Founded in 1919 and headquartered in New York, AIG trades on the NYSE as a large-cap stock within the Financials sector, classified under the Multi-line Insurance sub-industry. As a multi-line insurer, AIG generates revenue from underwriting premiums across diverse business lines while also earning investment income from its insurance reserves and loan portfolio.
- Hurricane and wildfire losses pressure underwriting margins
- Commercial insurance rate hardening lifts North America premiums
- Share buyback program accelerates capital returns to shareholders
| Net Income: 2.96b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.45 > 1.0 |
| NWC/Revenue: 136.6% < 20% (prev -63.17%; Δ 199.8% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.85b > Net Income 2.96b |
| Net Debt (-74.6b) to EBITDA (7.52b): -9.91 < 3 |
| Current Ratio: 1.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (537.8m) vs 12m ago -8.62% < -2% |
| Gross Margin: 38.06% > 18% (prev 34.07%; Δ 3.99% > 0.5%) |
| Asset Turnover: 16.21% > 50% (prev 16.72%; Δ -0.51% > 0%) |
| Interest Coverage Ratio: 9.98 > 6 (EBIT TTM 4.03b / Interest Expense TTM 404.0m) |
| A: 0.22 (Total Current Assets 138b - Total Current Liabilities 102b) / Total Assets 163b |
| B: 0.23 (Retained Earnings 38.4b / Total Assets 163b) |
| C: 0.02 (EBIT TTM 4.03b / Avg Total Assets 165b) |
| D: 0.33 (Book Value of Equity 40.6b / Total Liabilities 123b) |
| Altman-Z'' = 2.74 = A |
| DSRI: 1.03 (Receivables 52.3b/52.8b, Revenue 26.7b/27.7b) |
| GMI: 0.90 (GM 34.07% / 38.06%) |
| AQI: 0.33 (AQ_t 0.15 / AQ_t-1 0.46) |
| SGI: 0.96 (Revenue 26.7b / 27.7b) |
| TATA: -0.01 (NI 2.96b - CFO 3.85b) / TA 163b) |
| Beneish M = -3.53 (Cap -4..+1) = AAA |
As of October 11, 2026, the stock is trading at USD 77.04 with a total of 5,031,956 shares traded. Over the past week, the price has changed by +2.82%, over one month by +3.36%, over three months by -1.97% and over the past year by -5.09%.
Current recommended Stop Loss: 75.10 (which is 2.5% or 1.3 ATR below the current price).
American International has received a consensus analysts rating of 3.68. Therefore, it is recommended to hold AIG.
- StrongBuy: 7
- Buy: 1
- Hold: 14
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 88.3 | 14.6% |
P/E Trailing = 13.6734
P/E Forward = 8.5397
P/S = 1.4653
P/B = 0.9733
P/EG = 0.6373
Revenue TTM = 26.7b USD
EBIT TTM = 4.03b USD
EBITDA TTM = 7.52b USD
Long Term Debt = 9.13b USD (from longTermDebt, last quarter)
Short Term Debt = 165.0m USD (from shortTermDebt, last fiscal year)
Debt = 9.13b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -74.6b USD (calculated: Debt 9.13b - CCE 83.7b)
Enterprise Value = 39.2b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 9.98 (Ebit TTM 4.03b / Interest Expense TTM 404.0m)
EV/FCF = 10.18x (Enterprise Value 39.2b / FCF TTM 3.85b)
FCF Yield = 9.83% (FCF TTM 3.85b / Enterprise Value 39.2b)
FCF Margin = 14.42% (FCF TTM 3.85b / Revenue TTM 26.7b)
Net Margin = 11.11% (Net Income TTM 2.96b / Revenue TTM 26.7b)
Gross Margin = 38.06% ((Revenue TTM 26.7b - Cost of Revenue TTM 16.5b) / Revenue TTM)
Gross Margin QoQ = 36.71% (prev 47.74%)
Tobins Q-Ratio = 0.24 (Enterprise Value 39.2b / Total Assets 163b)
Interest Expense / Debt = 4.43% (Interest Expense 404.0m / Debt 9.13b)
Taxrate = 18.20% (660.0m / 3.63b)
NOPAT = 3.30b (EBIT 4.03b * (1 - 18.20%))
Current Ratio = 1.36 (Total Current Assets 138b / Total Current Liabilities 102b)
Debt / Equity = 0.22 (Debt 9.13b / totalStockholderEquity, last quarter 40.6b)
Debt / EBITDA = -9.91 (Net Debt -74.6b / EBITDA 7.52b)
Debt / FCF = -19.38 (Net Debt -74.6b / FCF TTM 3.85b)
Total Stockholder Equity = 40.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.80% (Net Income 2.96b / Total Assets 163b)
RoE = 7.27% (Net Income TTM 2.96b / Total Stockholder Equity 40.8b)
RoCE = 8.07% (EBIT 4.03b / Capital Employed (Equity 40.8b + L.T.Debt 9.13b))
RoIC = 5.44% (NOPAT 3.30b / Invested Capital 60.5b)
WACC = 5.77% (E(39.2b)/V(48.3b) * Re(6.27%) + D(9.13b)/V(48.3b) * Rd(4.43%) * (1-Tc(0.18)))
Discount Rate = 6.27% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.86 | Cagr: -10.37%
[DCF] Terminal Value 77.97% ; FCFF base≈3.57b ; Y1≈4.10b ; Y5≈6.03b
[DCF] Fair Price = 316.2 (EV 90.7b - Net Debt -74.6b = Equity 165b / Shares 522.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -2.31 | EPS CAGR: -0.65% | SUE: 0.34 | # QB: 0
Revenue Correlation: -89.29 | Revenue CAGR: -10.96% | SUE: -0.31 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.83 | Chg30d=+1.35% | Revisions=-11% | Analysts=18
EPS current Year (2026-12-31): EPS=8.07 | Chg30d=+0.33% | Revisions=+59% | GrowthEPS=+13.8% | GrowthRev=+8.1%
EPS next Year (2027-12-31): EPS=8.81 | Chg30d=+0.28% | Revisions=-35% | GrowthEPS=+9.2% | GrowthRev=+8.1%
[Analyst] Revisions Ratio: +7% (up=28, down=24)