AIG Stock Analysis: American International | NYSE
Insurance - Diversified | NYSE, USA | Market Cap: 42.726m USD | 12M Return: 6.1% | US0268747849 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 324M
EPS Trend: 6.9%
Qual. Beats: 0
Rev. Trend: -88.4%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
American International Group, Inc. (AIG) is a global insurance provider serving commercial, institutional, and individual customers across North America and international markets through three segments: North America Commercial, International Commercial, and Global Personal. Its product portfolio spans commercial property and casualty lines (including business interruption, general liability, workers compensation, marine, aviation, and political risk), specialty personal accident and supplemental health coverage, personal auto and homeowners insurance, and extended warranty/device protection products. AIG also holds a lending book that includes commercial mortgages, life insurance policy loans, and other notes receivable.
Founded in 1919 and headquartered in New York, AIG trades on the NYSE as a large-cap stock within the Financials sector, classified under the Multi-line Insurance sub-industry. As a multi-line insurer, AIG generates revenue from underwriting premiums across diverse business lines while also earning investment income from its insurance reserves and loan portfolio.
- Hurricane and wildfire losses pressure underwriting margins
- Commercial insurance rate hardening lifts North America premiums
- Share buyback program accelerates capital returns to shareholders
| Net Income: 735.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.50 > 1.0 |
| NWC/Revenue: -409.2% < 20% (prev -60.42%; Δ -348.8% < -1%) |
| CFO/TA 0.03 > 3% & CFO 5.20b > Net Income 735.0m |
| Net Debt (-1.65b) to EBITDA (7.00b): -0.24 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (534.3m) vs 12m ago -7.62% < -2% |
| Gross Margin: 5.33% > 18% (prev 34.66%; Δ -29.33% > 0.5%) |
| Asset Turnover: 13.15% > 50% (prev 16.76%; Δ -3.61% > 0%) |
| Interest Coverage Ratio: 12.13 > 6 (EBIT TTM 6.12b / Interest Expense TTM 505.0m) |
| A: -0.54 (Total Current Assets 14.2b - Total Current Liabilities 102b) / Total Assets 162b |
| B: 0.24 (Retained Earnings 39.0b / Total Assets 162b) |
| C: 0.04 (EBIT TTM 6.12b / Avg Total Assets 163b) |
| D: 0.32 (Book Value of Equity 38.9b / Total Liabilities 123b) |
| Altman-Z'' = -2.18 = D |
| DSRI: 0.10 (Receivables 2.30b/50.7b, Revenue 21.4b/27.4b) |
| GMI: 6.50 (GM 34.66% / 5.33%) |
| AQI: 1.98 (AQ_t 0.91 / AQ_t-1 0.46) |
| SGI: 0.78 (Revenue 21.4b / 27.4b) |
| TATA: -0.03 (NI 735.0m - CFO 5.20b) / TA 162b) |
| Beneish M = 1.63 (Cap -4..+1) = D |
As of November 10, 2026, the stock is trading at USD 79.63 with a total of 3,318,743 shares traded. Over the past week, the price has changed by -3.36%, over one month by +3.36%, over three months by +3.28% and over the past year by +6.07%.
Current recommended Stop Loss: 75.20 (which is 5.6% or 2.5 ATR below the current price).
American International has received a consensus analysts rating of 3.68. Therefore, it is recommended to hold AIG.
- StrongBuy: 7
- Buy: 1
- Hold: 14
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 88 | 10.5% |
P/E Trailing = 13.3295
P/E Forward = 9.0253
P/S = 1.5979
P/B = 1.037
P/EG = 0.6737
Revenue TTM = 21.4b USD
EBIT TTM = 6.12b USD
EBITDA TTM = 7.00b USD
Long Term Debt = 9.19b USD (from longTermDebt, last fiscal year)
Short Term Debt = 165.0m USD (from shortTermDebt, last fiscal year)
Debt = 10.3b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.65b USD (calculated: Debt 10.3b - CCE 11.9b)
Enterprise Value = 41.1b USD (42.7b + Debt 10.3b - CCE 11.9b)
Interest Coverage Ratio = 12.13 (Ebit TTM 6.12b / Interest Expense TTM 505.0m)
EV/FCF = 7.90x (Enterprise Value 41.1b / FCF TTM 5.20b)
FCF Yield = 12.66% (FCF TTM 5.20b / Enterprise Value 41.1b)
FCF Margin = 24.30% (FCF TTM 5.20b / Revenue TTM 21.4b)
Net Margin = 3.44% (Net Income TTM 735.0m / Revenue TTM 21.4b)
Gross Margin = 5.33% ((Revenue TTM 21.4b - Cost of Revenue TTM 20.3b) / Revenue TTM)
Gross Margin QoQ = none% (prev 36.71%)
Tobins Q-Ratio = 0.25 (Enterprise Value 41.1b / Total Assets 162b)
Interest Expense / Debt = 4.92% (Interest Expense 505.0m / Debt 10.3b)
Taxrate = 20.16% (782.0m / 3.88b)
NOPAT = 4.89b (EBIT 6.12b * (1 - 20.16%))
Current Ratio = 0.14 (Total Current Assets 14.2b / Total Current Liabilities 102b)
Debt / Equity = 0.26 (Debt 10.3b / totalStockholderEquity, last quarter 38.9b)
Debt / EBITDA = -0.24 (Net Debt -1.65b / EBITDA 7.00b)
Debt / FCF = -0.32 (Net Debt -1.65b / FCF TTM 5.20b)
Total Stockholder Equity = 40.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 735.0m / Total Assets 162b)
RoE = 1.83% (Net Income TTM 735.0m / Total Stockholder Equity 40.3b)
RoCE = 12.38% (EBIT 6.12b / Capital Employed (Equity 40.3b + L.T.Debt 9.19b))
RoIC = 3.07% (NOPAT 4.89b / Invested Capital 159b)
WACC = 5.57% (E(42.7b)/V(53.0b) * Re(5.96%) + D(10.3b)/V(53.0b) * Rd(4.92%) * (1-Tc(0.20)))
Discount Rate = 5.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.66 | Cagr: -9.39%
[DCF] Terminal Value 77.97% ; FCFF base≈4.24b ; Y1≈4.86b ; Y5≈7.15b
[DCF] Fair Price = 209.0 (EV 108b - Net Debt -1.65b = Equity 109b / Shares 522.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 6.91 | EPS CAGR: 2.02% | SUE: 0.67 | # QB: 0
Revenue Correlation: -88.38 | Revenue CAGR: -11.41% | SUE: -4.0 | # QB: -1
EPS current Quarter (2027-03-31): EPS=2.26 | Chg30d=-0.33% | Revisions=-18% | Analysts=16
EPS current Year (2026-12-31): EPS=8.19 | Chg30d=+1.59% | Revisions=+50% | GrowthEPS=+15.6% | GrowthRev=+9.0%
EPS next Year (2027-12-31): EPS=8.80 | Chg30d=+0.04% | Revisions=+13% | GrowthEPS=+7.4% | GrowthRev=+7.0%
[Analyst] Revisions Ratio: +24% (up=22, down=13)