American International Group, Inc. (AIG)
Financials · Multi-line Insurance · US stock · S&P 500 component
$83.03
▲ +1.28 (1.57%)
Fair valueFair
$88 +5.6% to fair value
$44fair band $75–$106$132
Day's range
$81.69 – $83.07
52-week range
$71.25 – $87.29
About American International Group, Inc.
American International Group is a global insurer providing property and casualty insurance, and related risk products, to businesses, institutions and individuals in many countries. Its commercial lines cover areas such as property, casualty, financial lines and specialty risks, and it also provides personal insurance, including travel cover. The company serves clients both in North America and internationally.
AIG earns money from premiums paid by policyholders and from returns on the investments backing its policies. Revenue is $26.6 billion over the last twelve months, but revenue growth over three years is -3.7% a year. The operating margin is 15.1%, and the business earns a profit of 8% on the capital invested in it. The dividend yield is 2.3%. On the site's X-Ray Score it receives 34 out of 100.
Price chart
52-wk range $71.25 – $87.29Volume 4,520,071Daily, split-adjusted
Vitals
Market cap$44.3B
52-week range$71.25 – $87.29
Volume (last day)4,520,071
P/E (TTM)15.4
EBIT / EV yield9.4%
Free-cash-flow yield–
Dividend yield2.3%
Revenue (TTM)$26.6B
Net income (TTM)$3.0B
Operating margin15.1%
Return on capital8.4%
Debt incl. leasesData missing
Cash & securities$1.6B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$88middle half of models $79 – $94
Fair
+5.6% to fair value
Average of the 5 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Low, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.
Price $83
Undervalued < $75Fair $75 – $106Overvalued > $106
P/E multiple
$79
P/B multiple
$89
P/S multiple
$104
Dividend discount, stable
$73
Dividend discount, multi-stage
$94
A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Fair
53/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield9.4%
Fair value vs price1.1×
Growth
Weak
7/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)-3.7%
EPS growth (3y)-25.1%
Growth consistency40%
Profitability
Weak
33/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital8.4%
Operating margin15.1%
Financial health
Weak
42/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score7 / 9
Interest cover10.0×
Dividends
Weak
30/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield2.3%
Dividend growth-0.2%
Quarterly results: last 6 quarters
+0.3%
Mar '25
+8.1%
Jun '25
-5.9%
Sep '25
-8.7%
Dec '25
-2.0%
Mar '26
-0.1%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $7.1B, diluted EPS $1.78.
Compare with peers
AIZ Assurant, Inc.66 L Loews Corp49Other Multi-line Insurance companies by X-Ray Score.
SWOT analysis: American International Group, Inc.
Strengthsinside the company
- Passes 7 of the 9 Piotroski tests, which points to improving profitability, funding and efficiency.
Weaknessesinside the company
- Operating margin of 15.1% is thin against 29.3% for sector peers.
- Revenue has fallen 3.7% a year over three years while sector peers grew 8.7%.
- Earnings per share have declined 25.1% a year over three years.
Opportunitiesvaluation and setting
- Our Market Compass rates the backdrop for Financials as favourable.
- Price momentum is strong on the weekly and monthly signals (trends can reverse).
Threatsvaluation and setting
- No specific threat is flagged by our checks; general market and interest-rate risk still applies.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare AIG with peers and sector
Medians of 70 Financials peers and of 70 Financials stocks in our universe.
Largest peers (X-Ray Score): JPM 49, MA 57, BAC 48, MS 34, GS 49, WFC 38.
| Metric | AIG | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 34 | 50 | 50 |
| Valuation | 52 | 52 | 52 |
| Growth | 7 | 54 | 54 |
| Profitability | 33 | 49 | 49 |
| Financial health | 42 | 51 | 51 |
| Dividends | 30 | 54 | 54 |
Sector leaders: highest X-Ray Score in Financials
AIG ranks #66 of 71 in Financials by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for AIG
Each factor is rated by where AIG stands among the 71 Financials stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 2 Good · 1 Average · 5 Bad of 8
Growth: 0 · 0 · 3
Profitability: 0 · 0 · 2
Valuation: 2 · 1 · 0
| Factor | AIG | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| Revenue growth, 3 years a year | −3.7% | Bad beats 5% | +8.3% | – | – |
| Revenue growth, last year | −1.7% | Bad beats 11% | +6.9% | −2.5% | ≈ In line |
| EPS growth, 3 years a year | −25.1% | Bad beats 6% | +12.7% | – | – |
| Profitability | |||||
| Net margin | 11.1% | Bad beats 21% | 21.8% | 13.0% | ▼ Worse |
| Return on equity | 7.3% | Bad beats 15% | 15.7% | 8.0% | ≈ In line |
| Valuation | |||||
| P/E ratio | 14.9x | Average beats 43% | 13.8x | 9.2x | ▼ Worse |
| Price / book | 1.1x | Good beats 86% | 2.2x | 1.1x | ≈ In line |
| Price / sales | 1.7x | Good beats 81% | 3.1x | 1.8x | ≈ In line |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings), and banks and insurers are rated only on the factors that apply to them. A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 0 Good · ● 4 Average · ● 6 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Interest coverBad
Valuation
Fair value vs priceAverage
EBIT / EV yieldAverage
Profitability
Return on invested capitalBad
Operating marginBad
Each check is graded against the company's sector, not a fixed number. Checklist score 29/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $52.2B | $30.0B | $27.9B | $27.3B | $26.8B |
| Operating income | $14.7B | $4.4B | $3.4B | $4.3B | $4.3B |
| Net income | $10.4B | $10.2B | $3.6B | −$1.4B | $3.1B |
| Operating cash flow | $6.2B | $4.1B | $6.2B | $3.3B | $3.3B |
| Operating margin | 28.1% | 14.6% | 12.1% | 15.9% | 16.0% |
| Free cash flow | $5.9B | $3.9B | $6.0B | – | – |
| Diluted EPS | $11.95 | $12.94 | $4.98 | $-2.17 | $5.43 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
12 bullish · 0 neutral · 4 bearish
Weekly
Strongly bullish
11 bullish · 1 neutral · 0 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 79.70 | Bullish |
| EMA 10 | 80.08 | Bullish |
| SMA 20 | 77.35 | Bullish |
| EMA 20 | 78.45 | Bullish |
| SMA 50 | 76.26 | Bullish |
| EMA 50 | 77.10 | Bullish |
| SMA 100 | 76.51 | Bullish |
| EMA 100 | 76.66 | Bullish |
| SMA 200 | 75.83 | Bullish |
| EMA 200 | 76.47 | Bullish |
Oscillators (daily)
| RSI (14) | 77.05 | Bearish |
| MACD (12, 26) | 1.70 | Bullish |
| Momentum (12) | 10.54 | Bullish |
| Stochastic %K (14) | 99.53 | Bearish |
| Williams %R (14) | -0.47 | Bearish |
| CCI (20) | 153.9 | Bearish |
Pivot points (classic, last session)
S3 80.74 | S2 81.22 | S1 82.12 | Pivot 82.60 | R1 83.50 | R2 83.98 | R3 84.88 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.90 USD
Yield on today's price
2.29%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 0.5000 | |
| 0.5000 | |
| 0.4500 | |
| 0.4500 | |
| 0.4500 | |
| 0.4500 | |
| 0.4000 | |
| 0.4000 | |
| 0.4000 | |
| 0.4000 | |
| 0.3600 | |
| 0.3600 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
ETFs that hold AIG
| ETF | Share of the fund |
|---|---|
| KIE SPDR S&P Insurance | 1.78% |
| RPV Invesco S&P 500 Pure Value | 0.78% |
| VOE Vanguard Mid-Cap Value | 0.68% |
| DYNF iShares U.S. Equity Factor Rotation Ac... | 0.65% |
| IYF iShares U.S. Financials | 0.64% |
| AVLV Avantis U.S. Large Cap Value | 0.55% |
| XLF Financial Select Sector SPDR | 0.52% |
| BKDV BNY Mellon Dynamic Value | 0.49% |
The eight funds with the largest weight in AIG among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.
AIG stock splits
AIG has split its stock 8 times since 1990. The latest was a 1-for-20 reverse split on 1 Jul 2009.
Full AIG stock split history →AIG SEC filings
8-KSEC EDGAR
Other events
8-KSEC EDGAR
Director or officer change
8-KSEC EDGAR
Director or officer change
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations; Other events
8-KSEC EDGAR
Director or officer change; Shareholder vote results
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations; Other events
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.