Overview Dividends

(AIG) American International - Ratings and Ratios

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

Commercial, International, Personal, Property, Liability

AIG EPS (Earnings per Share)

EPS Growth (3Y CAGR): 62.38%
EPS Trend (3Y Correlation): 32.0%

AIG Revenue

Revenue Growth (3Y CAGR): -72.91%
Revenue Trend (3Y Correlation): -50.3%

Risk via 10d forecast
Volatility	21.8%
Value at Risk 5%th	35.5%

Reward
Sharpe Ratio	0.18
Alpha Jensen	-5.87

Character
Hurst Exponent	0.508
Beta	0.622

Drawdowns 3y
Max DD	26.45%
Mean DD	6.05%

Description: AIG American International September 29, 2025

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	41,510m
Sub-Industry	Multi-line Insurance
IPO / Inception	1984-09-07
Return 12m vs S&P 500	-8.14%
Analyst Rating	3.76 of 5

AIG Dividends

Dividend Yield	2.18%
Yield on Cost 5y	4.96%
Yield CAGR 5y	5.07%
Payout Consistency	87.3%
Payout Ratio	26.2%

AIG Growth Ratios

CAGR	11.79%
CAGR/Max DD Calmar Ratio	0.45
CAGR/Mean DD Pain Ratio	1.95
Current Volume	3697.9k
Average Volume	4023.9k

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (902.1m TTM) > 0 and > 6% of Revenue (6% = 427.4m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA -1.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 180.1% (prev 19.60%; Δ 160.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 2.80b > Net Income 902.1m (YES >=105%, WARN >=100%)

Net Debt (7.50b) to EBITDA (7.61b) ratio: 0.98 <= 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 -152.6% (prev 35.50%; Δ -188.1pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.28% (prev 17.74%; Δ -13.46pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 16.56 (EBITDA TTM 7.61b / Interest Expense TTM 400.0m) >= 6 (WARN >= 3)

Altman Z'' 1.83

(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

(D) 0.30 = Book Value of Equity 36.42b / Total Liabilities 122.30b

Total Rating: 1.83 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 65.57

1. Piotroski 4.0pt = -1.0

2. FCF Yield 7.08% = 3.54

3. FCF Margin 39.35% = 7.50

4. Debt/Equity 0.22 = 2.48

5. Debt/Ebitda 0.98 = 1.79

6. ROIC - WACC (= 2.61)% = 3.26

7. RoE 2.17% = 0.18

8. Rev. Trend -50.27% = -3.77

9. EPS Trend 31.95% = 1.60

What is the price of AIG shares?

As of November 13, 2025, the stock is trading at USD 78.00 with a total of 3,697,925 shares traded.
Over the past week, the price has changed by +2.20%, over one month by -4.67%, over three months by -0.03% and over the past year by +6.45%.

Is American International a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, American International (NYSE:AIG) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 65.57 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AIG is around 79.11 USD . This means that AIG is currently overvalued and has a potential downside of 1.42%.

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	88.4	13.3%
Analysts Target Price	88.4	13.3%
ValueRay Target Price	87	11.5%

AIG Fundamental Data Overview November 11, 2025

Market Cap USD = 41.51b (41.51b USD * 1.0 USD.USD)
P/E Trailing = 13.8363
P/E Forward = 10.2775
P/S = 1.5306
P/B = 1.0631
P/EG = 0.8547
Beta = 0.622
Revenue TTM = 7.12b USD
EBIT TTM = 6.62b USD
EBITDA TTM = 7.61b USD
Long Term Debt = 8.92b USD (from longTermDebt, last fiscal year)
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 = 39.59b USD (41.51b + Debt 9.09b - CCE 11.01b)
Interest Coverage Ratio = 16.56 (Ebit TTM 6.62b / Interest Expense TTM 400.0m)
FCF Yield = 7.08% (FCF TTM 2.80b / Enterprise Value 39.59b)
FCF Margin = 39.35% (FCF TTM 2.80b / Revenue TTM 7.12b)
Net Margin = 12.66% (Net Income TTM 902.1m / Revenue TTM 7.12b)
Gross Margin = -152.6% ((Revenue TTM 7.12b - Cost of Revenue TTM 18.00b) / Revenue TTM)
Gross Margin QoQ = none% (prev 38.36%)
Tobins Q-Ratio = 0.24 (Enterprise Value 39.59b / Total Assets 163.41b)
Interest Expense / Debt = 1.09% (Interest Expense 99.0m / Debt 9.09b)
Taxrate = 26.61% (190.0m / 714.0m)
NOPAT = 4.86b (EBIT 6.62b * (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 = 0.98 (Net Debt 7.50b / EBITDA 7.61b)
Debt / FCF = 2.67 (Net Debt 7.50b / FCF TTM 2.80b)
Total Stockholder Equity = 41.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.55% (Net Income 902.1m / Total Assets 163.41b)
RoE = 2.17% (Net Income TTM 902.1m / Total Stockholder Equity 41.63b)
RoCE = 13.10% (EBIT 6.62b / Capital Employed (Equity 41.63b + L.T.Debt 8.92b))
RoIC = 9.57% (NOPAT 4.86b / Invested Capital 50.80b)
WACC = 6.96% (E(41.51b)/V(50.60b) * Re(8.31%) + D(9.09b)/V(50.60b) * Rd(1.09%) * (1-Tc(0.27)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.61%
[DCF Debug] Terminal Value 74.14% ; FCFE base≈3.59b ; Y1≈2.97b ; Y5≈2.16b
Fair Price DCF = 70.18 (DCF Value 37.87b / Shares Outstanding 539.6m; 5y FCF grow -20.80% → 3.0% )
EPS Correlation: 31.95 | EPS CAGR: 62.38% | SUE: 0.78 | # QB: 0
Revenue Correlation: -50.27 | Revenue CAGR: -72.91% | SUE: -2.71 | # QB: 0

Additional Sources for AIG Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle