AIG Stock Analysis: American International | NYSE
Insurance - Diversified | NYSE, USA | Market Cap: 41.664m USD | 12M Return: 1.1% | US0268747849 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 256M
EPS Trend: -2.3%
Qual. Beats: 0
Rev. Trend: -89.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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. The company operates through three reporting segments: North America Commercial, International Commercial, and Global Personal. AIGs product portfolio spans commercial property and casualty coverage (including general liability, workers compensation, marine, energy, aviation, political risk, and trade credit), personal lines such as auto, homeowners, and accident and health products, and niche offerings like extended warranty and high-net-worth insurance. Beyond underwriting, the company holds mortgage and loan receivables, including commercial mortgages and life insurance policy loans. Founded in 1919 and headquartered in New York, AIG is classified as a Multi-line Insurance company within the Financials sector and is one of the largest publicly traded U.S. insurers. As a large multiline carrier, AIG generates revenue primarily through insurance premiums and investment income earned on reserves retained between premium collection and claims payment, commonly referred to as underwriting float.
- AIG pursues separation of Life and Retirement business
- Catastrophe losses from major disasters pressure combined ratio
- Higher interest rates boost investment portfolio yield
| Net Income: 1.25b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.45 > 1.0 |
| NWC/Revenue: -340.6% < 20% (prev -63.17%; Δ -277.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.85b > Net Income 1.25b |
| Net Debt (-1.20b) to EBITDA (3.29b): -0.36 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (537.8m) vs 12m ago -8.62% < -2% |
| Gross Margin: 41.84% > 18% (prev 34.07%; Δ 7.77% > 0.5%) |
| Asset Turnover: 16.21% > 50% (prev 16.72%; Δ -0.51% > 0%) |
| Interest Coverage Ratio: 7.74 > 6 (EBIT TTM 1.58b / Interest Expense TTM 204.0m) |
| A: -0.56 (Total Current Assets 13.2b - Total Current Liabilities 104b) / Total Assets 163b |
| B: 0.23 (Retained Earnings 38.4b / Total Assets 163b) |
| C: 0.01 (EBIT TTM 1.58b / Avg Total Assets 165b) |
| D: 0.33 (Book Value of Equity 40.6b / Total Liabilities 123b) |
| Altman-Z'' = -2.47 = D |
| DSRI: 0.10 (Receivables 2.60b/52.8b, Revenue 26.7b/27.7b) |
| GMI: 0.81 (GM 34.07% / 41.84%) |
| AQI: 1.99 (AQ_t 0.92 / AQ_t-1 0.46) |
| SGI: 0.96 (Revenue 26.7b / 27.7b) |
| TATA: -0.02 (NI 1.25b - CFO 3.85b) / TA 163b) |
| Beneish M = -3.38 (Cap -4..+1) = AA |
As of August 12, 2026, the stock is trading at USD 77.61 with a total of 2,121,957 shares traded. Over the past week, the price has changed by -1.50%, over one month by -1.97%, over three months by +2.72% and over the past year by +1.06%.
Current recommended Stop Loss: 75.30 (which is 3% or 1.4 ATR below the current price).
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 | 88.6 | 14.1% |
P/E Trailing = 14.1041
P/E Forward = 9.8522
P/S = 1.6572
P/B = 1.0409
P/EG = 0.6483
Revenue TTM = 26.7b USD
EBIT TTM = 1.58b USD
EBITDA TTM = 3.29b USD
Long Term Debt = 9.19b USD (from longTermDebt, last fiscal year)
Short Term Debt = 165.0m USD (from shortTermDebt, last fiscal year)
Debt = 9.36b USD (corrected: LT Debt 9.19b + ST Debt 165.0m)
Net Debt = -1.20b USD (calculated: Debt 9.36b - CCE 10.6b)
Enterprise Value = 40.5b USD (41.7b + Debt 9.36b - CCE 10.6b)
Interest Coverage Ratio = 7.74 (Ebit TTM 1.58b / Interest Expense TTM 204.0m)
EV/FCF = 10.51x (Enterprise Value 40.5b / FCF TTM 3.85b)
FCF Yield = 9.51% (FCF TTM 3.85b / Enterprise Value 40.5b)
FCF Margin = 14.42% (FCF TTM 3.85b / Revenue TTM 26.7b)
Net Margin = 4.70% (Net Income TTM 1.25b / Revenue TTM 26.7b)
Gross Margin = 41.84% ((Revenue TTM 26.7b - Cost of Revenue TTM 15.5b) / Revenue TTM)
Gross Margin QoQ = 50.95% (prev 47.74%)
Tobins Q-Ratio = 0.25 (Enterprise Value 40.5b / Total Assets 163b)
Interest Expense / Debt = 2.18% (Interest Expense 204.0m / Debt 9.36b)
Taxrate = 8.73% (120.0m / 1.38b)
NOPAT = 1.44b (EBIT 1.58b * (1 - 8.73%))
Current Ratio = 0.13 (Total Current Assets 13.2b / Total Current Liabilities 104b)
Debt / Equity = 0.23 (Debt 9.36b / totalStockholderEquity, last quarter 40.6b)
Debt / EBITDA = -0.36 (Net Debt -1.20b / EBITDA 3.29b)
Debt / FCF = -0.31 (Net Debt -1.20b / FCF TTM 3.85b)
Total Stockholder Equity = 40.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 1.25b / Total Assets 163b)
RoE = 3.07% (Net Income TTM 1.25b / Total Stockholder Equity 40.8b)
RoCE = 3.16% (EBIT 1.58b / Capital Employed (Equity 40.8b + L.T.Debt 9.19b))
RoIC = 0.90% (NOPAT 1.44b / Invested Capital 161b)
WACC = 5.53% (E(41.7b)/V(51.0b) * Re(6.33%) + D(9.36b)/V(51.0b) * Rd(2.18%) * (1-Tc(0.09)))
Discount Rate = 6.33% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.86 | Cagr: -10.37%
[DCF] Terminal Value 77.97% ; FCFF base≈3.57b ; Y1≈4.10b ; Y5≈6.03b
[DCF] Fair Price = 173.4 (EV 90.7b - Net Debt -1.20b = Equity 91.9b / Shares 530.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -2.31 | EPS CAGR: -0.65% | SUE: 0.34 | # QB: 0
Revenue Correlation: -89.29 | Revenue CAGR: -10.96% | SUE: -0.31 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.82 | Chg30d=-0.68% | Revisions=-69% | Analysts=17
EPS current Year (2026-12-31): EPS=7.98 | Chg30d=-0.60% | Revisions=-38% | GrowthEPS=+12.6% | GrowthRev=+8.6%
EPS next Year (2027-12-31): EPS=8.84 | Chg30d=-0.71% | Revisions=-59% | GrowthEPS=+10.7% | GrowthRev=+7.7%
[Analyst] Revisions Ratio: -60% (up=8, down=37)