(AIG) American International - NYSE
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: NYSE (USA) | Market Cap: 39.935m USD | Total Return: -8.8% in 12m
Avg Turnover: 252M
EPS Trend: -14.7%
Qual. Beats: 1
Rev. Trend: -90.0%
Qual. Beats: 0
Warnings
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
American International Group (AIG) is a global insurance organization providing property-casualty, liability, and financial risk products to commercial and individual clients. The company operates through three primary segments: North America Commercial, International Commercial, and Global Personal, offering specialized coverage ranging from environmental and aerospace risks to personal homeowners and supplemental health insurance.
As a multi-line insurer, AIG utilizes a diversified business model that spreads risk across various geographies and asset classes, including a portfolio of mortgage and commercial loans. This sector typically relies on underwriting discipline and investment income from premiums to maintain solvency and profitability through fluctuating economic cycles.
For more detailed metrics and historical performance, consider reviewing the data on ValueRay.
- Core General Insurance underwriting margins drive primary earnings and stock valuation
- Net investment income fluctuations track global interest rate and credit spread trends
- Ongoing divestiture of Corebridge Financial impacts capital return and portfolio simplification
- Commercial property and casualty pricing cycles dictate North American revenue growth
- Catastrophe loss exposure from natural disasters creates significant quarterly earnings volatility
| Net Income: 3.16b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.52 > 1.0 |
| NWC/Revenue: -67.10% < 20% (prev -65.86%; Δ -1.25% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.52b > Net Income 3.16b |
| Net Debt (-25.8b) to EBITDA (7.75b): -3.32 < 3 |
| Current Ratio: 0.83 > 1.5 & < 3 |
| Outstanding Shares: last quarter (542.2m) vs 12m ago -9.52% < -2% |
| Gross Margin: 38.50% > 18% (prev 33.04%; Δ 5.46% > 0.5%) |
| Asset Turnover: 16.48% > 50% (prev 16.85%; Δ -0.37% > 0%) |
| Interest Coverage Ratio: 10.67 > 6 (EBIT TTM 4.31b / Interest Expense TTM 404.0m) |
| A: -0.11 (Total Current Assets 86.2b - Total Current Liabilities 104b) / Total Assets 162b |
| B: 0.23 (Retained Earnings 37.7b / Total Assets 162b) |
| C: 0.03 (EBIT TTM 4.31b / Avg Total Assets 162b) |
| D: 0.33 (Book Value of Equity 40.4b / Total Liabilities 121b) |
| Altman-Z'' = 0.56 = B |
| DSRI: 1.03 (Receivables 51.2b/51.1b, Revenue 26.6b/27.3b) |
| GMI: 0.86 (GM 33.04% / 38.50%) |
| AQI: 1.00 (AQ_t 0.46 / AQ_t-1 0.46) |
| SGI: 0.98 (Revenue 26.6b / 27.3b) |
| TATA: -0.00 (NI 3.16b - CFO 3.52b) / TA 162b) |
| Beneish M = -3.15 (Cap -4..+1) = AA |
As of June 13, 2026, the stock is trading at USD 75.32 with a total of 3,878,467 shares traded.
Over the past week, the price has changed by +2.56%,
over one month by -0.97%,
over three months by -2.83% and
over the past year by -8.75%.
American International has received a consensus analysts rating of 3.76. Therefore, it is recommended to hold AIG.
- StrongBuy: 5
- Buy: 3
- Hold: 9
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 87.8 | 16.6% |
P/E Trailing = 13.2606
P/E Forward = 9.3545
P/S = 1.4956
P/B = 0.9884
P/EG = 0.6156
Revenue TTM = 26.6b USD
EBIT TTM = 4.31b USD
EBITDA TTM = 7.75b USD
Long Term Debt = 9.16b USD (from longTermDebt, last quarter)
Short Term Debt = 165.0m USD (from shortTermDebt, last fiscal year)
Debt = 9.16b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -25.8b USD (calculated: Debt 9.16b - CCE 34.9b)
Enterprise Value = 14.2b USD (39.9b + Debt 9.16b - CCE 34.9b)
Interest Coverage Ratio = 10.67 (Ebit TTM 4.31b / Interest Expense TTM 404.0m)
EV/FCF = 4.02x (Enterprise Value 14.2b / FCF TTM 3.52b)
FCF Yield = 24.85% (FCF TTM 3.52b / Enterprise Value 14.2b)
FCF Margin = 13.23% (FCF TTM 3.52b / Revenue TTM 26.6b)
Net Margin = 11.86% (Net Income TTM 3.16b / Revenue TTM 26.6b)
Gross Margin = 38.50% ((Revenue TTM 26.6b - Cost of Revenue TTM 16.4b) / Revenue TTM)
Gross Margin QoQ = 47.74% (prev 33.92%)
Tobins Q-Ratio = 0.09 (Enterprise Value 14.2b / Total Assets 162b)
Interest Expense / Debt = 4.41% (Interest Expense 404.0m / Debt 9.16b)
Taxrate = 19.05% (744.0m / 3.91b)
NOPAT = 3.49b (EBIT 4.31b * (1 - 19.05%))
Current Ratio = 0.83 (Total Current Assets 86.2b / Total Current Liabilities 104b)
Debt / Equity = 0.23 (Debt 9.16b / totalStockholderEquity, last quarter 40.4b)
Debt / EBITDA = -3.32 (Net Debt -25.8b / EBITDA 7.75b)
Debt / FCF = -7.31 (Net Debt -25.8b / FCF TTM 3.52b)
Total Stockholder Equity = 41.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.95% (Net Income 3.16b / Total Assets 162b)
RoE = 7.70% (Net Income TTM 3.16b / Total Stockholder Equity 41.0b)
RoCE = 8.59% (EBIT 4.31b / Capital Employed (Equity 41.0b + L.T.Debt 9.16b))
RoIC = 6.20% (NOPAT 3.49b / Invested Capital 56.3b)
WACC = 6.70% (E(39.9b)/V(49.1b) * Re(7.42%) + D(9.16b)/V(49.1b) * Rd(4.41%) * (1-Tc(0.19)))
Discount Rate = 7.42% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -11.18%
[DCF] Terminal Value 77.97% ; FCFF base≈3.19b ; Y1≈3.66b ; Y5≈5.39b
[DCF] Fair Price = 201.5 (EV 81.1b - Net Debt -25.8b = Equity 107b / Shares 530.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -14.71 | EPS CAGR: -3.28% | SUE: 1.30 | # QB: 1
Revenue Correlation: -90.02 | Revenue CAGR: -14.89% | SUE: -0.21 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.93 | Chg30d=-0.14% | Revisions=+11% | Analysts=18
EPS next Quarter (2026-09-30): EPS=1.84 | Chg30d=+0.03% | Revisions=+44% | Analysts=18
EPS current Year (2026-12-31): EPS=8.03 | Chg30d=+0.11% | Revisions=+83% | GrowthEPS=+13.3% | GrowthRev=+9.3%
EPS next Year (2027-12-31): EPS=8.90 | Chg30d=+0.23% | Revisions=+62% | GrowthEPS=+10.8% | GrowthRev=+8.4%
[Analyst] Revisions Ratio: +83%