AIG American International Group
$80.14
▲ 1.3%Updated Oct 16, 2:25 PM ET
Report Card
AIG at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: Neutral · 48/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Price — Past Year
▼ Down 12.1% in the year to Jul 6, 2026
Key Metrics
Market Cap
$42.09B
P/E
13.53x
Forward P/E (est.)
18.09x
ROE
7.7%
Revenue Growth
-2.3%
EPS Growth
-25.2%
Profit Margin
11.9%
FCF Yield
15.7%
Debt / Equity
0.22x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.7%
Implied Growth (rev. DCF)
—
Rating Score
48/100
Business Overview
American International Group (AIG) is a large-cap company in the Multi-line Insurance industry, part of the Financials sector of the S&P 500, with a market value around $42.09B.
In its latest reported year it generated about $26.77B in revenue and $3.10B in net profit.
Our model rates AIG Neutral (48/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical Analysis (Educational)
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what AIG's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. AIG trades near $80.14, above its 50-day average ($75.74) and 200-day average ($77.53). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 65 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. AIG's is $1.75 (~2.2% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. In the month to Jul 6, 2026, AIG found buyers near $73.12 (support) and sellers near $79.43 (resistance); its 52-week range then was $71.25–$87.29. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.7× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. The indicators were last computed on Jul 6, 2026; the price is current.
Revenue Growth
4Y CAGR
-15.4%
Revenue moved from $52.37B in 2016 to $26.77B in 2025, a -7.2% compound annual growth rate. The most recent year declined 2.3% year over year. Shrinking revenue is worth a closer look — is it cyclical or structural?
Profitability
Gross Margin
—
Operating Margin
16.2%
Net Margin
11.6%
ROE
7.7%
American International Group keeps about 11.9% of each sales dollar as net profit. Return on equity is 7.7%. Margins are moderate — typical of a competitive but profitable business.
Debt Analysis
Total Debt
$9.19B
Net Debt
$9.19B
Net Debt / EBITDA
—
Debt / Equity
0.22x
Leverage: debt-to-equity is 0.2x. That is a conservative balance sheet — a cushion in downturns.
Cash Flow Analysis
Operating CF
$3.31B
Free Cash Flow
$3.31B
FCF Margin
12.4%
In the latest year American International Group produced about $3.31B of operating cash flow and $3.31B of free cash flow after capital spending. That is a free-cash-flow yield of about 15.7% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockThe dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Dividend yield
2.7%
Per share (latest FY)
$1.75
Total paid (latest FY)
$976.00M
History on record
9 years
dividend uses 29% of free cash flow
32% of net income paid out
no current raise streak
payout was cut at least once in the last 9 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
13.53x
P/S
1.5x
P/B
1.2x
EV / EBITDA
—
AIG trades at 13.5x trailing earnings (about 18.1x on estimated forward earnings), 1.5x sales, and 1.2x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Metrics vs. Sector Range
Where AIG sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How AIG stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
Among the 141 rated Financials companies we cover, AIG ranks #118 by our overall rating. It trades at roughly in line versus the sector on earnings (13.5x P/E vs. 14.9x median) with a lower return on equity (7.7% vs. 13.6%) and slower revenue growth (-2.3% vs. 15.9%).
P/E vs sector
13.5x
median 14.9x
ROE vs sector
7.7%
median 13.6%
Growth vs sector
-2.3%
median 15.9%
Sector rank
#118
of 141 rated
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
5-Year Projection Model
Project revenue → earnings → price. Edit the assumptions to build your own case.
What drives this projection, and its limits2030 scenario price range (Base Case)
$56.73 – $99.28
vs. $80.14 today · implied CAGR -7% – 4%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $27.58B | $28.41B | $29.26B | $30.14B | $31.04B |
| Net income | $3.31B | $3.41B | $3.51B | $3.62B | $3.72B |
| EPS | $6.30 | $6.49 | $6.68 | $6.88 | $7.09 |
| Share price (low) | $50.41 | $51.92 | $53.48 | $55.08 | $56.73 |
| Share price (high) | $88.21 | $90.86 | $93.58 | $96.39 | $99.28 |
| CAGR (low–high) | -37% / 10% | -20% / 6% | -13% / 5% | -9% / 5% | -7% / 4% |
Educational scenario model, not a forecast or investment advice. It starts from the latest annual revenue in SEC filings. By default, growth is trailing revenue growth (held between 3% and 45% a year), the net margin is the latest one (held between 3% and 50%, so a loss-making company is modeled with a small profit), and the Base case P/E runs from 60% to 100% of today's. Carrying recent growth forward five years can miss badly in either direction. Outputs are only as good as the assumptions.
Bull Case
The case for AIG:
- Healthy free-cash-flow yield (~15.7%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.2x) lowers risk.
- Pays a 2.7% dividend on top of any price gains.
Bear Case
The case against AIG:
- Revenue growth is slow/negative (-2.3%), limiting the upside engine.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Key Risks
Growth risk — sluggish revenue (-2.3%) leaves little margin for execution missteps.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Investment Thesis
On balance, the picture is mixed: American International Group is a large-cap financials business with shrinking revenue, with modest profitability, and a sound balance sheet. It trades at 13.5x earnings, which our model scores Neutral (48/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Latest SEC Filings
AIG's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
AIG — frequently asked questions
Is AIG a good stock to buy?
We don't give buy or sell advice. Our model rates American International Group Neutral (48/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is AIG's rating on The Stocks School?
American International Group currently scores 48/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does AIG's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from American International Group's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for AIG calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this AIG analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell AIG. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.