(AIG) American International - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US0268747849
Property, Liability, Marine, Aviation, Personal
Dividends
| Dividend Yield | 2.53% |
| Yield on Cost 5y | 6.28% |
| Yield CAGR 5y | 5.07% |
| Payout Consistency | 82.7% |
| Payout Ratio | 27.0% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 22.2% |
| Value at Risk 5%th | 35.7% |
| Relative Tail Risk | -2.25% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.62 |
| Alpha | 8.89 |
| CAGR/Max DD | 0.50 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.371 |
| Beta | 0.557 |
| Beta Downside | 0.663 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.45% |
| Mean DD | 6.33% |
| Median DD | 5.49% |
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) 52.38
| 1. Piotroski 4.0pt |
| 2. FCF Yield 6.92% |
| 3. FCF Margin 10.23% |
| 4. Debt/Equity 0.22 |
| 5. Debt/Ebitda 0.86 |
| 6. ROIC - WACC (= 0.69)% |
| 7. RoE 7.83% |
| 8. Rev. Trend -89.49% |
| 9. EPS Trend -37.34% |
What is the price of AIG shares?
As of December 14, 2025, the stock is trading at USD 84.90 with a total of 6,549,956 shares traded.
Over the past week, the price has changed by +10.22%, over one month by +8.85%, over three months by +8.20% and over the past year by +19.71%.
Over the past week, the price has changed by +10.22%, over one month by +8.85%, over three months by +8.20% and over the past year by +19.71%.
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 | 88.1 | 3.7% |
| Analysts Target Price | 88.1 | 3.7% |
| ValueRay Target Price | 96.1 | 13.1% |
AIG Fundamental Data Overview December 03, 2025
Market Cap USD = 42.44b (42.44b USD * 1.0 USD.USD)
P/E Trailing = 13.7788
P/E Forward = 9.7656
P/S = 1.565
P/B = 1.0002
P/EG = 0.8547
Beta = 0.622
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 = 40.52b USD (42.44b + Debt 9.09b - CCE 11.01b)
Interest Coverage Ratio = 12.91 (Ebit TTM 5.16b / Interest Expense TTM 400.0m)
FCF Yield = 6.92% (FCF TTM 2.80b / Enterprise Value 40.52b)
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 40.52b / 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 = 1.99% (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 = 6.79% (E(42.44b)/V(51.53b) * Re(8.07%) + D(9.09b)/V(51.53b) * Rd(1.09%) * (1-Tc(0.27)))
Discount Rate = 8.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.61%
[DCF Debug] Terminal Value 75.11% ; FCFE base≈3.59b ; Y1≈2.97b ; Y5≈2.16b
Fair Price DCF = 73.36 (DCF Value 39.58b / Shares Outstanding 539.6m; 5y FCF grow -20.80% → 3.0% )
EPS Correlation: -37.34 | EPS CAGR: -16.78% | SUE: 0.78 | # QB: 0
Revenue Correlation: -89.49 | Revenue CAGR: -18.70% | SUE: -0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.96 | Chg30d=+0.020 | Revisions Net=+1 | Analysts=16
EPS next Year (2026-12-31): EPS=7.87 | Chg30d=+0.082 | Revisions Net=+4 | Growth EPS=+13.4% | Growth Revenue=+5.5%
P/E Trailing = 13.7788
P/E Forward = 9.7656
P/S = 1.565
P/B = 1.0002
P/EG = 0.8547
Beta = 0.622
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 = 40.52b USD (42.44b + Debt 9.09b - CCE 11.01b)
Interest Coverage Ratio = 12.91 (Ebit TTM 5.16b / Interest Expense TTM 400.0m)
FCF Yield = 6.92% (FCF TTM 2.80b / Enterprise Value 40.52b)
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 40.52b / 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 = 1.99% (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 = 6.79% (E(42.44b)/V(51.53b) * Re(8.07%) + D(9.09b)/V(51.53b) * Rd(1.09%) * (1-Tc(0.27)))
Discount Rate = 8.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.61%
[DCF Debug] Terminal Value 75.11% ; FCFE base≈3.59b ; Y1≈2.97b ; Y5≈2.16b
Fair Price DCF = 73.36 (DCF Value 39.58b / Shares Outstanding 539.6m; 5y FCF grow -20.80% → 3.0% )
EPS Correlation: -37.34 | EPS CAGR: -16.78% | SUE: 0.78 | # QB: 0
Revenue Correlation: -89.49 | Revenue CAGR: -18.70% | SUE: -0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.96 | Chg30d=+0.020 | Revisions Net=+1 | Analysts=16
EPS next Year (2026-12-31): EPS=7.87 | Chg30d=+0.082 | Revisions Net=+4 | Growth EPS=+13.4% | Growth Revenue=+5.5%
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