(AIG) American International - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0268747849

Property, Liability, Marine, Aviation, Personal

Multi-line Insurance
Market Cap in USD: 42,697m
IPO / Inception: 1984-09-07
12m vs SPY: -11.7%

EPS (Earnings per Share)

EPS (Earnings per Share) of AIG over the last years for every Quarter: "2020-12": -0.0605, "2021-03": 4.41, "2021-06": 0.11, "2021-09": 1.92, "2021-12": 4.38, "2022-03": 5.15, "2022-06": 3.78, "2022-09": 3.5, "2022-12": 0.58, "2023-03": -0.12, "2023-06": 2.31, "2023-09": 3.82, "2023-12": 1.79, "2024-03": 1.77, "2024-06": 1.16, "2024-09": 1.23, "2024-12": 1.3, "2025-03": 1.17, "2025-06": 1.81, "2025-09": 2.2, "2025-12": 0,
EPS CAGR: -53.93%
EPS Trend: -42.1%
Last SUE: -4.00
Qual. Beats: 0

Revenue

Revenue of AIG over the last years for every Quarter: 2020-12: 9712, 2021-03: 14418, 2021-06: 10681, 2021-09: 12810, 2021-12: 13915, 2022-03: 14971, 2022-06: 13681, 2022-09: 14042, 2022-12: 11641, 2023-03: 11047, 2023-06: 7464, 2023-09: 7287, 2023-12: 9970, 2024-03: 6773, 2024-06: 6569, 2024-09: 6755, 2024-12: 7173, 2025-03: 6774, 2025-06: 7041, 2025-09: 6402, 2025-12: null,
Rev. CAGR: -18.70%
Rev. Trend: -89.5%
Last SUE: -0.07
Qual. Beats: 0

Dividends

Dividend Yield 2.13%
Yield on Cost 5y 4.75%
Yield CAGR 5y 8.13%
Payout Consistency 87.4%
Payout Ratio 27.0%
Risk via 5d forecast
Volatility 26.2%
Value at Risk 5%th 41.3%
Relative Tail Risk -3.92%
Reward TTM
Sharpe Ratio 0.25
Alpha -6.26
CAGR/Max DD 0.29
Character TTM
Hurst Exponent 0.684
Beta 0.532
Beta Downside 0.638
Drawdowns 3y
Max DD 25.79%
Mean DD 6.20%
Median DD 5.36%

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) 4.0

Net Income (3.26b TTM) > 0 and > 6% of Revenue (6% = 1.64b TTM)
FCFTA 0.02 (>2.0%) and ΔFCFTA -1.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 46.84% (prev 19.60%; Δ 27.24pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.02 (>3.0%) and CFO 2.80b <= Net Income 3.26b (YES >=105%, WARN >=100%)
Net Debt (7.50b) to EBITDA (8.73b) ratio: 0.86 <= 3.0 (WARN <= 3.5)
Current Ratio 9.61 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (578.4m) change vs 12m ago -10.65% (target <= -2.0% for YES)
Gross Margin 34.66% (prev 35.50%; Δ -0.84pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 16.46% (prev 17.74%; Δ -1.29pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 12.91 (EBITDA TTM 8.73b / Interest Expense TTM 400.0m) >= 6 (WARN >= 3)

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 (Balance) 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
Total Rating: 1.77 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 52.31

1. Piotroski 4.0pt
2. FCF Yield 6.87%
3. FCF Margin 10.23%
4. Debt/Equity 0.22
5. Debt/Ebitda 0.86
6. ROIC - WACC (= 0.84)%
7. RoE 7.83%
8. Rev. Trend -89.49%
9. EPS Trend -42.08%

What is the price of AIG shares?

As of January 13, 2026, the stock is trading at USD 74.09 with a total of 8,373,673 shares traded.
Over the past week, the price has changed by -12.19%, over one month by -12.28%, over three months by -8.97% and over the past year by +6.83%.

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 88.2 19%
Analysts Target Price 88.2 19%
ValueRay Target Price 80.2 8.3%

AIG Fundamental Data Overview January 09, 2026

P/E Trailing = 14.0383
P/E Forward = 9.8522
P/S = 1.5744
P/B = 1.0122
P/EG = 0.8547
Beta = 0.624
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 = 40.78b USD (42.70b + Debt 9.09b - CCE 11.01b)
Interest Coverage Ratio = 12.91 (Ebit TTM 5.16b / Interest Expense TTM 400.0m)
EV/FCF = 14.55x (Enterprise Value 40.78b / FCF TTM 2.80b)
FCF Yield = 6.87% (FCF TTM 2.80b / Enterprise Value 40.78b)
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 = 0.25 (Enterprise Value 40.78b / 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 = 6.64% (E(42.70b)/V(51.78b) * Re(7.88%) + D(9.09b)/V(51.78b) * 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 80.81% ; FCFF base≈3.59b ; Y1≈2.97b ; Y5≈2.15b
Fair Price DCF = 84.65 (EV 53.17b - Net Debt 7.50b = Equity 45.67b / Shares 539.6m; r=6.64% [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=1.94 | Chg30d=-0.017 | Revisions Net=+3 | Analysts=17
EPS next Year (2026-12-31): EPS=7.86 | Chg30d=-0.007 | Revisions Net=+4 | Growth EPS=+12.3% | Growth Revenue=+5.7%

Additional Sources for AIG Stock

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