(AIG) American International - Ratings and Ratios
Insurance, Property, Liability, Accident, Life
AIG EPS (Earnings per Share)
AIG Revenue
Description: AIG American International
American International Group Inc (NYSE:AIG) is a multinational insurance corporation that offers a diverse range of insurance products to commercial, institutional, and individual customers globally. The companys operations are segmented into North America Commercial, International Commercial, and Global Personal, allowing it to cater to various markets and customer needs.
From my analysis, AIGs revenue streams are diversified across various insurance products, including property, liability, and specialty insurance. The companys ability to manage risk and provide innovative insurance solutions has enabled it to maintain a strong market presence. Key performance indicators (KPIs) such as loss ratio, expense ratio, and combined ratio can be used to evaluate AIGs underwriting performance. AIGs loss ratio, which measures the percentage of premiums paid out in claims, is a crucial metric to assess its profitability.
AIGs mortgage and other loans receivable portfolio, which includes commercial mortgages, life insurance policy loans, and commercial loans, is another significant aspect of its business. The companys ability to manage credit risk and maintain a healthy loan portfolio is essential to its overall financial performance. KPIs such as delinquency ratio and charge-off ratio can be used to evaluate the quality of AIGs loan portfolio.
From a valuation perspective, AIGs price-to-earnings (P/E) ratio of 20.11 suggests that the stock may be moderately valued compared to its earnings. However, its forward P/E ratio of 12.89 indicates potential for earnings growth. Additionally, AIGs return on equity (RoE) of -4.43% is a concern, suggesting that the company needs to improve its profitability. Other KPIs such as return on assets (RoA) and dividend yield can provide further insights into AIGs financial performance and attractiveness to investors.
AIG Stock Overview
| Market Cap in USD | 44,902m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception | 1984-09-07 |
AIG Stock Ratings
| Growth Rating | 72.1% |
| Fundamental | 47.1% |
| Dividend Rating | 61.8% |
| Return 12m vs S&P 500 | -10.0% |
| Analyst Rating | 3.76 of 5 |
AIG Dividends
| Dividend Yield 12m | 2.20% |
| Yield on Cost 5y | 6.83% |
| Annual Growth 5y | 4.04% |
| Payout Consistency | 87.3% |
| Payout Ratio | 30.9% |
AIG Growth Ratios
| Growth Correlation 3m | -59.2% |
| Growth Correlation 12m | 69.5% |
| Growth Correlation 5y | 92.5% |
| CAGR 5y | 15.33% |
| CAGR/Max DD 3y | 0.58 |
| CAGR/Mean DD 3y | 3.13 |
| Sharpe Ratio 12m | -0.04 |
| Alpha | 0.00 |
| Beta | 0.593 |
| Volatility | 29.81% |
| Current Volume | 5740.4k |
| Average Volume 20d | 3999.6k |
| Stop Loss | 74 (-3.1%) |
| Signal | 0.15 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (3.20b TTM) > 0 and > 6% of Revenue (6% = 1.67b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -1.73pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 48.99% (prev 66.45%; Δ -17.46pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 3.16b <= Net Income 3.20b (YES >=105%, WARN >=100%) |
| Net Debt (7.43b) to EBITDA (5.37b) ratio: 1.38 <= 3.0 (WARN <= 3.5) |
| Current Ratio 8.40 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (588.5m) change vs 12m ago -11.76% (target <= -2.0% for YES) |
| Gross Margin 46.00% (prev 70.82%; Δ -24.82pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 16.64% (prev 21.71%; Δ -5.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.31 (EBITDA TTM 5.37b / Interest Expense TTM 413.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.63
| (A) 0.08 = (Total Current Assets 15.45b - Total Current Liabilities 1.84b) / Total Assets 165.97b |
| (B) 0.22 = Retained Earnings (Balance) 36.42b / Total Assets 165.97b |
| (C) 0.01 = EBIT TTM 1.78b / Avg Total Assets 166.93b |
| (D) 0.29 = Book Value of Equity 35.64b / Total Liabilities 124.44b |
| Total Rating: 1.63 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 47.09
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 7.17% = 3.58 |
| 3. FCF Margin 11.37% = 2.84 |
| 4. Debt/Equity 0.27 = 2.46 |
| 5. Debt/Ebitda 2.07 = -0.13 |
| 6. ROIC - WACC (= -4.31)% = -5.39 |
| 7. RoE 7.51% = 0.63 |
| 8. Rev. Trend -71.88% = -5.39 |
| 9. EPS Trend -0.45% = -0.02 |
What is the price of AIG shares?
Over the past week, the price has changed by -2.16%, over one month by -4.47%, over three months by -10.13% and over the past year by +6.84%.
Is American International a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AIG is around 75.08 USD . This means that AIG is currently overvalued and has a potential downside of -1.65%.
Is AIG a buy, sell or hold?
- 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 | 88.3 | 15.6% |
| Analysts Target Price | 88.3 | 15.6% |
| ValueRay Target Price | 82.4 | 7.9% |
Last update: 2025-09-04 04:30
AIG Fundamental Data Overview
CCE Cash And Equivalents = 11.93b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.1495
P/E Forward = 10.4603
P/S = 1.639
P/B = 1.082
P/EG = 0.8547
Beta = 0.645
Revenue TTM = 27.78b USD
EBIT TTM = 1.78b USD
EBITDA TTM = 5.37b USD
Long Term Debt = 9.26b USD (from longTermDebt, last quarter)
Short Term Debt = 1.84b USD (from totalCurrentLiabilities, last quarter)
Debt = 11.10b USD (Calculated: Short Term 1.84b + Long Term 9.26b)
Net Debt = 7.43b USD (from netDebt column, last quarter)
Enterprise Value = 44.07b USD (44.90b + Debt 11.10b - CCE 11.93b)
Interest Coverage Ratio = 4.31 (Ebit TTM 1.78b / Interest Expense TTM 413.0m)
FCF Yield = 7.17% (FCF TTM 3.16b / Enterprise Value 44.07b)
FCF Margin = 11.37% (FCF TTM 3.16b / Revenue TTM 27.78b)
Net Margin = 11.52% (Net Income TTM 3.20b / Revenue TTM 27.78b)
Gross Margin = 46.00% ((Revenue TTM 27.78b - Cost of Revenue TTM 15.00b) / Revenue TTM)
Tobins Q-Ratio = 1.24 (Enterprise Value 44.07b / Book Value Of Equity 35.64b)
Interest Expense / Debt = 0.90% (Interest Expense 100.0m / Debt 11.10b)
Taxrate = 30.23% (1.17b / 3.87b)
NOPAT = 1.24b (EBIT 1.78b * (1 - 30.23%))
Current Ratio = 8.40 (Total Current Assets 15.45b / Total Current Liabilities 1.84b)
Debt / Equity = 0.27 (Debt 11.10b / last Quarter total Stockholder Equity 41.50b)
Debt / EBITDA = 2.07 (Net Debt 7.43b / EBITDA 5.37b)
Debt / FCF = 3.51 (Debt 11.10b / FCF TTM 3.16b)
Total Stockholder Equity = 42.62b (last 4 quarters mean)
RoA = 1.93% (Net Income 3.20b, Total Assets 165.97b )
RoE = 7.51% (Net Income TTM 3.20b / Total Stockholder Equity 42.62b)
RoCE = 3.43% (Ebit 1.78b / (Equity 42.62b + L.T.Debt 9.26b))
RoIC = 2.39% (NOPAT 1.24b / Invested Capital 51.87b)
WACC = 6.70% (E(44.90b)/V(56.00b) * Re(8.20%)) + (D(11.10b)/V(56.00b) * Rd(0.90%) * (1-Tc(0.30)))
Shares Correlation 3-Years: -100.00 | Cagr: -2.43%
Discount Rate = 8.20% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.03% ; FCFE base≈4.33b ; Y1≈3.89b ; Y5≈3.33b
Fair Price DCF = 105.6 (DCF Value 58.51b / Shares Outstanding 554.0m; 5y FCF grow -12.62% → 3.0% )
EPS Correlation: -0.45 | EPS CAGR: -21.32% | SUE: 0.26 | # QB: 0
Revenue Correlation: -71.88 | Revenue CAGR: -22.00%
Additional Sources for AIG Stock
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