(AIG) American International - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US0268747849
Property, Liability, Marine, Aviation, Personal
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.13% |
| Yield on Cost 5y | 5.10% |
| Yield CAGR 5y | 8.13% |
| Payout Consistency | 87.4% |
| Payout Ratio | 27.0% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 21.9% |
| Value at Risk 5%th | 34.7% |
| Relative Tail Risk | -3.67% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.05 |
| Alpha | -8.84 |
| CAGR/Max DD | 0.31 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.758 |
| Beta | 0.532 |
| Beta Downside | 0.594 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.90% |
| Mean DD | 6.13% |
| Median DD | 5.24% |
Description: AIG American International December 03, 2025
American International Group, Inc. (AIG) is a diversified insurer that serves commercial, institutional, and individual clients across North America and globally. Its operations are organized into three segments-North America Commercial, International Commercial, and Global Personal-offering a wide range of products including commercial property, liability, workers’ compensation, marine, aviation, political risk, personal auto, homeowners, and specialty services for high-net-worth individuals.
Key performance indicators from the most recent fiscal year show AIG generated $19.8 billion in net written premiums, with a combined ratio of roughly 92% in its commercial lines, indicating underwriting profitability before investment income. The firm’s return on equity (ROE) stood at 7.5%, and its investment portfolio benefited from a higher-for-longer yield curve, a sector driver that boosts net interest income. Additionally, AIG’s exposure to natural-catastrophe risk is increasingly priced by rising reinsurance costs and climate-related loss trends, which are material factors for its underwriting strategy.
For a deeper dive into AIG’s valuation metrics and scenario analysis, you might explore the research available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 3.26b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -1.10 > 1.0 |
| NWC/Revenue: 46.84% < 20% (prev 19.60%; Δ 27.24% < -1%) |
| CFO/TA 0.02 > 3% & CFO 2.80b > Net Income 3.26b |
| Net Debt (7.50b) to EBITDA (8.73b): 0.86 < 3 |
| Current Ratio: 9.61 > 1.5 & < 3 |
| Outstanding Shares: last quarter (578.4m) vs 12m ago -10.65% < -2% |
| Gross Margin: 34.66% > 18% (prev 0.36%; Δ 3431 % > 0.5%) |
| Asset Turnover: 16.46% > 50% (prev 17.74%; Δ -1.29% > 0%) |
| Interest Coverage Ratio: 12.91 > 6 (EBITDA TTM 8.73b / Interest Expense TTM 400.0m) |
Altman Z'' 1.77
| A: 0.08 (Total Current Assets 14.32b - Total Current Liabilities 1.49b) / Total Assets 163.41b |
| B: 0.22 (Retained Earnings 36.70b / Total Assets 163.41b) |
| C: 0.03 (EBIT TTM 5.16b / Avg Total Assets 166.43b) |
| D: 0.30 (Book Value of Equity 36.42b / Total Liabilities 122.30b) |
| Altman-Z'' Score: 1.77 = BBB |
Beneish M -3.18
| DSRI: 0.85 (Receivables 3.31b/4.29b, Revenue 27.39b/30.07b) |
| GMI: 1.02 (GM 34.66% / 35.50%) |
| AQI: 1.02 (AQ_t 0.91 / AQ_t-1 0.89) |
| SGI: 0.91 (Revenue 27.39b / 30.07b) |
| TATA: 0.00 (NI 3.26b - CFO 2.80b) / TA 163.41b) |
| Beneish M-Score: -3.18 (Cap -4..+1) = AA |
ValueRay F-Score (Strict, 0-100) 53.62
| 1. Piotroski: 5.0pt |
| 2. FCF Yield: 7.34% |
| 3. FCF Margin: 10.23% |
| 4. Debt/Equity: 0.22 |
| 5. Debt/Ebitda: 0.86 |
| 6. ROIC - WACC: 0.91% |
| 7. RoE: 7.83% |
| 8. Revenue Trend: -89.49% |
| 9. EPS Trend: -42.08% |
What is the price of AIG shares?
As of January 27, 2026, the stock is trading at USD 73.79 with a total of 4,047,989 shares traded.
Over the past week, the price has changed by +1.86%, over one month by -14.67%, over three months by -6.47% and over the past year by -0.97%.
Over the past week, the price has changed by +1.86%, over one month by -14.67%, over three months by -6.47% and over the past year by -0.97%.
Is AIG a buy, sell or hold?
American International has received a consensus analysts rating of 3.76.
Therefor, it is recommend to hold AIG.
- 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 | 87 | 17.8% |
| Analysts Target Price | 87 | 17.8% |
| ValueRay Target Price | 79.8 | 8.2% |
AIG Fundamental Data Overview January 22, 2026
P/E Trailing = 13.0288
P/E Forward = 9.2593
P/S = 1.4798
P/B = 0.9514
P/EG = 0.8547
Revenue TTM = 27.39b USD
EBIT TTM = 5.16b USD
EBITDA TTM = 8.73b USD
Long Term Debt = 9.24b USD (from longTermDebt, last quarter)
Short Term Debt = 541.0m USD (from shortTermDebt, last fiscal year)
Debt = 9.09b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.50b USD (from netDebt column, last quarter)
Enterprise Value = 38.21b USD (40.13b + Debt 9.09b - CCE 11.01b)
Interest Coverage Ratio = 12.91 (Ebit TTM 5.16b / Interest Expense TTM 400.0m)
EV/FCF = 13.63x (Enterprise Value 38.21b / FCF TTM 2.80b)
FCF Yield = 7.34% (FCF TTM 2.80b / Enterprise Value 38.21b)
FCF Margin = 10.23% (FCF TTM 2.80b / Revenue TTM 27.39b)
Net Margin = 11.90% (Net Income TTM 3.26b / Revenue TTM 27.39b)
Gross Margin = 34.66% ((Revenue TTM 27.39b - Cost of Revenue TTM 17.90b) / Revenue TTM)
Gross Margin QoQ = 33.76% (prev 38.36%)
Tobins Q-Ratio = 0.23 (Enterprise Value 38.21b / Total Assets 163.41b)
Interest Expense / Debt = 1.09% (Interest Expense 99.0m / Debt 9.09b)
Taxrate = 26.61% (190.0m / 714.0m)
NOPAT = 3.79b (EBIT 5.16b * (1 - 26.61%))
Current Ratio = 9.61 (Total Current Assets 14.32b / Total Current Liabilities 1.49b)
Debt / Equity = 0.22 (Debt 9.09b / totalStockholderEquity, last quarter 41.09b)
Debt / EBITDA = 0.86 (Net Debt 7.50b / EBITDA 8.73b)
Debt / FCF = 2.67 (Net Debt 7.50b / FCF TTM 2.80b)
Total Stockholder Equity = 41.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.96% (Net Income 3.26b / Total Assets 163.41b)
RoE = 7.83% (Net Income TTM 3.26b / Total Stockholder Equity 41.63b)
RoCE = 10.15% (EBIT 5.16b / Capital Employed (Equity 41.63b + L.T.Debt 9.24b))
RoIC = 7.48% (NOPAT 3.79b / Invested Capital 50.68b)
WACC = 6.57% (E(40.13b)/V(49.22b) * Re(7.88%) + D(9.09b)/V(49.22b) * Rd(1.09%) * (1-Tc(0.27)))
Discount Rate = 7.88% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -9.61%
[DCF Debug] Terminal Value 81.10% ; FCFF base≈3.59b ; Y1≈2.97b ; Y5≈2.15b
Fair Price DCF = 86.33 (EV 54.08b - Net Debt 7.50b = Equity 46.58b / Shares 539.6m; r=6.57% [WACC]; 5y FCF grow -20.80% → 2.90% )
EPS Correlation: -42.08 | EPS CAGR: -53.93% | SUE: -4.0 | # QB: 0
Revenue Correlation: -89.49 | Revenue CAGR: -18.70% | SUE: -0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.93 | Chg30d=-0.019 | Revisions Net=-6 | Analysts=17
EPS next Year (2026-12-31): EPS=7.85 | Chg30d=-0.028 | Revisions Net=-5 | Growth EPS=+12.0% | Growth Revenue=+5.2%
P/E Forward = 9.2593
P/S = 1.4798
P/B = 0.9514
P/EG = 0.8547
Revenue TTM = 27.39b USD
EBIT TTM = 5.16b USD
EBITDA TTM = 8.73b USD
Long Term Debt = 9.24b USD (from longTermDebt, last quarter)
Short Term Debt = 541.0m USD (from shortTermDebt, last fiscal year)
Debt = 9.09b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.50b USD (from netDebt column, last quarter)
Enterprise Value = 38.21b USD (40.13b + Debt 9.09b - CCE 11.01b)
Interest Coverage Ratio = 12.91 (Ebit TTM 5.16b / Interest Expense TTM 400.0m)
EV/FCF = 13.63x (Enterprise Value 38.21b / FCF TTM 2.80b)
FCF Yield = 7.34% (FCF TTM 2.80b / Enterprise Value 38.21b)
FCF Margin = 10.23% (FCF TTM 2.80b / Revenue TTM 27.39b)
Net Margin = 11.90% (Net Income TTM 3.26b / Revenue TTM 27.39b)
Gross Margin = 34.66% ((Revenue TTM 27.39b - Cost of Revenue TTM 17.90b) / Revenue TTM)
Gross Margin QoQ = 33.76% (prev 38.36%)
Tobins Q-Ratio = 0.23 (Enterprise Value 38.21b / Total Assets 163.41b)
Interest Expense / Debt = 1.09% (Interest Expense 99.0m / Debt 9.09b)
Taxrate = 26.61% (190.0m / 714.0m)
NOPAT = 3.79b (EBIT 5.16b * (1 - 26.61%))
Current Ratio = 9.61 (Total Current Assets 14.32b / Total Current Liabilities 1.49b)
Debt / Equity = 0.22 (Debt 9.09b / totalStockholderEquity, last quarter 41.09b)
Debt / EBITDA = 0.86 (Net Debt 7.50b / EBITDA 8.73b)
Debt / FCF = 2.67 (Net Debt 7.50b / FCF TTM 2.80b)
Total Stockholder Equity = 41.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.96% (Net Income 3.26b / Total Assets 163.41b)
RoE = 7.83% (Net Income TTM 3.26b / Total Stockholder Equity 41.63b)
RoCE = 10.15% (EBIT 5.16b / Capital Employed (Equity 41.63b + L.T.Debt 9.24b))
RoIC = 7.48% (NOPAT 3.79b / Invested Capital 50.68b)
WACC = 6.57% (E(40.13b)/V(49.22b) * Re(7.88%) + D(9.09b)/V(49.22b) * Rd(1.09%) * (1-Tc(0.27)))
Discount Rate = 7.88% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -9.61%
[DCF Debug] Terminal Value 81.10% ; FCFF base≈3.59b ; Y1≈2.97b ; Y5≈2.15b
Fair Price DCF = 86.33 (EV 54.08b - Net Debt 7.50b = Equity 46.58b / Shares 539.6m; r=6.57% [WACC]; 5y FCF grow -20.80% → 2.90% )
EPS Correlation: -42.08 | EPS CAGR: -53.93% | SUE: -4.0 | # QB: 0
Revenue Correlation: -89.49 | Revenue CAGR: -18.70% | SUE: -0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.93 | Chg30d=-0.019 | Revisions Net=-6 | Analysts=17
EPS next Year (2026-12-31): EPS=7.85 | Chg30d=-0.028 | Revisions Net=-5 | Growth EPS=+12.0% | Growth Revenue=+5.2%
Additional Sources for AIG Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle