Financials · Multi-line Insurance · US stock · price as of 22 Oct 2026
Key indicators
Price
$83.03
52-week range
$71.25 – $87.29
Market cap
$44.3B
P/E (trailing)
15.4×
Dividend yield
2.3%
Revenue (last 12 months)
$26.6B
Revenue growth (3y a year)
−3.7%
Price / book
1.1×
Return on equity
7.3%
Fair value
Fair value (average of valid models)$87.69 middle half of models $79 – $94
Versus priceFair+6% to fair value
P/E multiple
$78.63
P/B multiple
$88.54
P/S multiple
$103.67
Dividend discount, stable
$73.31
Dividend discount, multi-stage
$94.30
Model uncertainty
Low
X-Ray Score
34/ 100 · Medium confidence · ahead of 7% of sector peers
Valuation52
Growth7
Profitability33
Financial health42
Dividends30
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%.
StocksXray gives American International Group, Inc. an X-Ray Score of 34 out of 100 (medium confidence), ahead of 7% of the S&P 500 stocks in its sector. Its strongest lens is valuation (52) and its weakest is growth (7).
Our fair value (the average of the valid models) is $87.69 (range $78.63 to $94.30). At $83.03 the stock trades 5% below that value, so the label is "Fair" with low model uncertainty. Fair value is a range, not a price target.
XStocksXray
American International Group, Inc. (AIG)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$51.01
$58.03
$63.71
$69.93
$83.93
$83.03
Market cap
$44.1B
$45.7B
$46.2B
$46.0B
$47.9B
$44.3B
P/E
4.3×
4.5×
12.8×
–
15.5×
15.4×
Price / book
0.7×
1.1×
1.0×
1.1×
1.2×
1.1×
Dividend yield
2.51%
2.21%
2.20%
2.23%
2.09%
2.29%
Fundamentals checklist ● 0 Good · ● 2 Average · ● 5 Bad · each check graded against the sector
Risk models
Piotroski F-Score7 of 9Average
Growth
EPS growth (3y)−25.1%Bad
Revenue growth (3y)−3.7%Bad
Growth consistency40%Bad
Valuation
Fair value vs price1.1×Average
Profitability
Return on invested capital8.4%Bad
Operating margin15.1%Bad
XStocksXray
American International Group, Inc. (AIG)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
52,157
29,996
27,938
27,251
26,775
26,636
Net income
10,367
10,227
3,643
-1,404
3,096
2,965
Diluted EPS ($)
11.95
12.94
4.98
-2.17
5.43
5.38
Net margin
19.9%
34.1%
13.0%
−5.2%
11.6%
11.1%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
596,112
522,228
539,306
161,322
161,254
163,464
Cash
2,427
1,571
1,573
1,372
1,345
1,565
Total debt
30,163
28,679
10,856
8,922
9,191
–
Equity
65,956
40,970
45,351
42,521
41,139
40,606
Dividend per share ($)
1.28
1.28
1.40
1.56
1.75
1.85
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
