(AIG) American International - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: NYSE (USA) | Market Cap: 40.695m USD | Total Return: 0.4% in 12m
Property, Liability, Accident, Health, Loans
Total Rating 27
Safety 56
Buy Signal 0.08
Insurance - Diversified
Industry Rotation: +9.8
Industry Rotation: +9.8
Market Cap:
40.7B
Avg Turnover: 273M USD
Avg Turnover: 273M USD
ATR:
2.10%
Peers RS (IBD): 16.7
Peers RS (IBD): 16.7
Risk 5d forecast
Volatility23.7%
Rel. Tail Risk-3.67%
Reward TTM
Sharpe Ratio-0.11
Alpha-23.85
Character TTM
Beta0.498
Beta Downside1.291
Drawdowns 3y
Max DD16.98%
CAGR/Max DD0.99
EPS (Earnings per Share)
EPS CAGR: -50.23%
EPS Trend: -26.1%
EPS Trend: -26.1%
Last SUE: -4.00
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: -19.76%
Rev. Trend: -87.3%
Rev. Trend: -87.3%
Last SUE: -0.12
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: AIG American International
American International Group (AIG) provides a broad range of insurance products globally. The company operates through three segments: North America Commercial, International Commercial, and Global Personal. Its offerings include property, casualty, and specialized insurance for businesses, as well as personal accident, auto, and homeowners insurance. AIG also engages in mortgage and other loan receivables, a common practice for insurers to generate investment income.
The insurance sector is characterized by managing risk through diversification and underwriting. AIGs business model involves collecting premiums, investing those funds, and paying out claims, with profitability tied to underwriting discipline and investment performance. Further research on platforms like ValueRay can provide deeper insights into AIGs financial health and market position.
- Commercial property insurance demand drives premium growth
- Catastrophe losses impact underwriting profitability
- Interest rate changes affect investment income
- Regulatory scrutiny increases compliance costs
Piotroski VR‑10 (Strict)
6.0
| Net Income: 3.10b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.03 > 1.0 |
| NWC/Revenue: -56.20% < 20% (prev 102.1%; Δ -158.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.31b > Net Income 3.10b |
| Net Debt (-29.22b) to EBITDA (7.73b): -3.78 < 3 |
| Current Ratio: 0.85 > 1.5 & < 3 |
| Outstanding Shares: last quarter (546.4m) vs 12m ago -12.90% < -2% |
| Gross Margin: 34.51% > 18% (prev 0.30%; Δ 3.42k% > 0.5%) |
| Asset Turnover: 16.60% > 50% (prev 16.90%; Δ -0.30% > 0%) |
| Interest Coverage Ratio: 10.80 > 6 (EBITDA TTM 7.73b / Interest Expense TTM 396.0m) |
Altman Z''
0.64
| A: -0.09 (Total Current Assets 87.61b - Total Current Liabilities 102.66b) / Total Assets 161.25b |
| B: 0.23 (Retained Earnings 37.19b / Total Assets 161.25b) |
| C: 0.03 (EBIT TTM 4.28b / Avg Total Assets 161.29b) |
| D: 0.31 (Book Value of Equity 36.97b / Total Liabilities 120.09b) |
| Altman-Z'' Score: 0.64 = B |
Beneish M
-2.33
| DSRI: 1.02 (Receivables 49.13b/49.11b, Revenue 26.77b/27.27b) |
| GMI: 0.86 (GM 34.51% / 29.61%) |
| AQI: 2.38 (AQ_t 0.45 / AQ_t-1 0.19) |
| SGI: 0.98 (Revenue 26.77b / 27.27b) |
| TATA: -0.00 (NI 3.10b - CFO 3.31b) / TA 161.25b) |
| Beneish M-Score: -2.33 (Cap -4..+1) = BBB |
What is the price of AIG shares?
As of April 08, 2026, the stock is trading at USD 76.17 with a total of 2,379,075 shares traded.
Over the past week, the price has changed by +1.22%, over one month by -1.29%, over three months by -0.58% and over the past year by +0.42%.
Over the past week, the price has changed by +1.22%, over one month by -1.29%, over three months by -0.58% and over the past year by +0.42%.
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.
- StrongBuy: 5
- Buy: 3
- Hold: 9
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the AIG price?
| Analysts Target Price | 87.5 | 14.9% |
American International (AIG) - Fundamental Data Overview
as of 05 April 2026
P/E Trailing = 13.8895 P/E Forward = 9.4877
P/S = 1.5292
P/B = 0.9837
P/EG = 1.218
Revenue TTM = 26.77b USD
EBIT TTM = 4.28b USD
EBITDA TTM = 7.73b USD
Long Term Debt = 9.19b USD (from longTermDebt, last quarter)
Short Term Debt = 165.0m USD (from shortTermDebt, last fiscal year)
Debt = 9.19b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -29.22b USD (recalculated: Debt 9.19b - CCE 38.41b)
Enterprise Value = 11.48b USD (40.69b + Debt 9.19b - CCE 38.41b)
Interest Coverage Ratio = 10.80 (Ebit TTM 4.28b / Interest Expense TTM 396.0m)
EV/FCF = 3.46x (Enterprise Value 11.48b / FCF TTM 3.31b)
FCF Yield = 28.87% (FCF TTM 3.31b / Enterprise Value 11.48b)
FCF Margin = 12.38% (FCF TTM 3.31b / Revenue TTM 26.77b)
Net Margin = 11.56% (Net Income TTM 3.10b / Revenue TTM 26.77b)
Gross Margin = 34.51% ((Revenue TTM 26.77b - Cost of Revenue TTM 17.53b) / Revenue TTM)
Gross Margin QoQ = 33.92% (prev 33.76%)
Tobins Q-Ratio = 0.07 (Enterprise Value 11.48b / Total Assets 161.25b)
Interest Expense / Debt = 1.14% (Interest Expense 105.0m / Debt 9.19b)
Taxrate = 20.16% (782.0m / 3.88b)
NOPAT = 3.41b (EBIT 4.28b * (1 - 20.16%))
Current Ratio = 0.85 (Total Current Assets 87.61b / Total Current Liabilities 102.66b)
Debt / Equity = 0.22 (Debt 9.19b / totalStockholderEquity, last quarter 41.14b)
Debt / EBITDA = -3.78 (Net Debt -29.22b / EBITDA 7.73b)
Debt / FCF = -8.82 (Net Debt -29.22b / FCF TTM 3.31b)
Total Stockholder Equity = 41.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.92% (Net Income 3.10b / Total Assets 161.25b)
RoE = 7.50% (Net Income TTM 3.10b / Total Stockholder Equity 41.29b)
RoCE = 8.47% (EBIT 4.28b / Capital Employed (Equity 41.29b + L.T.Debt 9.19b))
RoIC = 6.77% (NOPAT 3.41b / Invested Capital 50.40b)
WACC = 6.47% (E(40.69b)/V(49.89b) * Re(7.73%) + D(9.19b)/V(49.89b) * Rd(1.14%) * (1-Tc(0.20)))
Discount Rate = 7.73% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -11.33%
[DCF] Terminal Value 83.11% ; FCFF base≈3.30b ; Y1≈2.96b ; Y5≈2.53b
[DCF] Fair Price = 177.6 (EV 66.08b - Net Debt -29.22b = Equity 95.29b / Shares 536.6m; r=6.47% [WACC]; 5y FCF grow -12.62% → 3.0% )
EPS Correlation: -26.08 | EPS CAGR: -50.23% | SUE: -4.0 | # QB: 0
Revenue Correlation: -87.32 | Revenue CAGR: -19.76% | SUE: -0.12 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.96 | Chg7d=-0.002 | Chg30d=+0.002 | Revisions Net=-2 | Analysts=17
EPS current Year (2026-12-31): EPS=7.86 | Chg7d=-0.005 | Chg30d=+0.002 | Revisions Net=-2 | Growth EPS=+10.9% | Growth Revenue=+8.8%
EPS next Year (2027-12-31): EPS=8.85 | Chg7d=-0.001 | Chg30d=-0.013 | Revisions Net=-1 | Growth EPS=+12.5% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: -0.50 (1 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.7% (Discount Rate 7.9% - Earnings Yield 7.2%)
[Growth] Growth Spread = +1.5% (Analyst 2.2% - Implied 0.7%)
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