American International Group Inc. (AIG)

NYSE: AIG · USD

$79.7

+0.13 (+0.2%)· Recorded snapshot

영어 원본으로 대체KO

번역하는 동안 영어 원본을 표시 중

이 리포트는 아직 번역되지 않았습니다. 번역 대기열이 따라잡으면 몇 분 후에 새로고침하세요.

StockMarketAgent Research · Analyzed 2026-10-03

Our latest published analysis: AIG rated Strong Buy

American International Group Inc.'s published Strong Buy conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$131 / share

Potential value

$196 / share

Upside to FV

+75.3%

from $79.7

Moat

5.5/10

Narrow

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$39.2B
Revenue (ttm)	26.7B
Net income (ttm)	3B
EPS (ttm)	$5.44
Shares out	522.9M
P/E (trailing)	14.7x
P/E (forward)	8.5x
Dividend	$2.00 (2.51%)
Volume	2,902,713
Beta	0.53

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 26.7B
Net income (ttm): 3B
EPS (ttm): $5.44
P/E (trailing): 14.7x
P/E (forward): 8.5x
Market cap: $39.2B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$52.16B	$30.00B	$27.94B	$27.25B	$26.78B	-15.4%
Gross profit	$20.11B	$7.26B	$4.37B	$9.28B	$9.24B	-17.7%
Operating income	$14.65B	$4.38B	$3.38B	$4.33B	$4.28B	-26.5%
Net income	$10.37B	$10.23B	$3.64B	$-1.40B	$3.10B	-26.1%
EPS (diluted)	$11.95	$12.94	$4.98	$-2.17	$5.43	-17.9%
EBITDA	$19.19B	$8.24B	$7.22B	$7.93B	$7.73B	-20.3%
R&D	—	—	—	—	—	—
SG&A	$8.73B	$6.16B	$5.40B	$5.53B	$5.05B	-12.8%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	적극 매수
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	보유
AJG	Arthur J. Gallagher & Co.	66.7B	43.2x	4.4x	6.6%	+15.3%	-5.7%	매수
ALL	The Allstate Corporation	63.2B	5.0x	0.9x	32.6%	+8.5%	+31.8%	적극 매수
AMP	Ameriprise Financial, Inc.	43.1B	11.8x	2.2x	43.0%	+8.9%	+1.1%	매수
AON	Aon plc	66.8B	17.2x	3.8x	16.3%	+7.9%	-5.5%	매수

Base and Bull scenarios

Base55%

Price target

$131.35

+75.3% from spot

Under the modal base path, intrinsic value converges to Fair value at $131.35, delivering an implied return of 75.3% with an assigned probability of 55.0%. For this path to hold, disciplined commercial underwriting and portfolio restructuring must preserve operating profitability, international diversification must sustain mid-single digit premium expansion, and recurring operating cash flows must continue funding share retirement. The scenario would be disconfirmed if core operating margins break below target levels or top-line premium volume contracts, with key checkpoints assessed through FY2026 and FY2027 earnings releases.

Commercial lines underwriting margins remain stable within target historical ranges
Consolidated premium revenue expands at a moderate pace across diversified global territories
General operating expense ratio trends toward sub-benchmark targets by full year FY2027
Share repurchases continue funded by recurring operating cash flow

Bull20%

Price target

$195.82

+161.3% from spot

In the bull scenario, intrinsic value reaches $195.82, reflecting a potential return of 161.3% with an assigned probability of 20.0%. This trajectory requires commercial property and casualty pricing cycles to re-accelerate globally, underwriting margins to expand toward top-tier specialty peers, and elevated fixed-income reinvestment yields to compound investment income while share count reductions accelerate. Disconfirmation would occur if renewal pricing contracts broadly across core commercial lines or catastrophe losses overwhelm underwriting provisions, which would be visible by mid-year FY2027.

Commercial renewal pricing re-accelerates across North America and International specialty accounts
Underwriting operating margins expand toward top-tier peer levels supported by technology efficiency
High fixed-income portfolio reinvestment yields sustain expanding net investment income
Continued aggressive share repurchases reduce diluted share count beyond baseline expectations

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($131.35). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	2.0%	2.3%	2.5%	2.8%	3.0%
6.6%	$146	$151	$158	$165	$173
7.1%	$134	$138	$143	$149	$155
7.6%	$124	$127	$131	$136	$140
8.1%	$116	$119	$122	$125	$129
8.6%	$108	$111	$113	$116	$119

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E8.5

P25 n/aP50 n/aP75 n/a

Trailing P/E13.8

P25 n/aP50 n/aP75 n/a

ROE7.2

P25 n/aP50 n/aP75 n/a

ROIC7.7

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All AIG indicators

Market & fundamental data

Available fields

247

Groups with data

Currency

USD

Showing 247 of 247 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000005272
Company name	American International Group, Inc.
Country	United States
Country code	US
CUSIP number	026874784
Earnings date	2026-11-03
Earnings time	amc
Employees	22,100
Employees change	-100
Employees growth	-0.45%
Enterprise value	$49.3B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1919
In index	SP500
Industry	Insurance - Diversified
Is primary listing	Yes
Is SPAC	No
ISIN number	US0268747849
Last 10-K release date	2026-02-12
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split date	2009-07-01
Last stock split type	Reverse
Market cap	$41.7B
Market cap category	Large-Cap
Next earnings date	2026-11-03
Options	Yes
Price	$79.71
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	AIG
U.S. state	New York
Website	https://www.aig.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	9.64x
Average P/E ratio (3Y)	13.08x
Average P/E ratio (5Y)	9.27x
Earnings yield	6.83%
EV/Earnings	16.65x
EV/EBIT	10.61x
EV/EBITDA	6.06x
EV/Sales	1.85x
Forward EV/Sales	1.61x
Forward P/E	9.45x
Forward P/S	1.36x
Graham number	97.33125
Graham upside	21.98%
Industry forward P/E	20.48x
Industry P/E	13.23x
Lynch fair value	$27.20
Lynch upside	-65.91%
P/B ratio	1.03x
P/E ratio	14.65x
P/OCF ratio	10.84x
P/S ratio	1.56x
PEG ratio	1.23x
Price / tangible book value	1.12x
Price/EBITDA ratio	5.12x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	17.4%
EBITDA margin	30.46%
Effective tax rate	18.2%
Gross margin	35.09%
Operating margin	17.4%
Pretax margin	13.56%
Profit margin	11.09%
Profit per employee	$134,163
Profitable quarters	8
Profitable years	1
Revenue per employee	$1.2M
ROA	1.77%
ROA (5Y)	0.96%
ROCE	8.21%
ROE	7.22%
ROE (5Y)	8.02%
ROIC	7.66%
ROIC (5Y)	6.29%
Tax / revenue	2.47%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	4.19%
EPS growth (Q)	-10.1%
EPS growth (QoQ)	26.24%
EPS growth 3Y	-5.21%
EPS growth 5Y	2.57%
EPS growth years	1
Net income growth	-7.32%
Net income growth (Q)	-17.13%
Net income growth (QoQ)	24.25%
Net income growth 3Y	-14.8%
Net income growth 5Y	-6.64%
Net income growth years	1
OCF growth	21.87%
OCF growth (Q)	23.36%
OCF growth (QoQ)	1,007.1%
OCF growth 10Y	2.68%
OCF growth 3Y	-6.08%
OCF growth 5Y	-1.19%
Revenue growth	-2.4%
Revenue growth (Q)	0.54%
Revenue growth (QoQ)	6.85%
Revenue growth 10Y	-6.63%
Revenue growth 3Y	-12.38%
Revenue growth 5Y	-9.62%
Revenue growth years	0

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
EBIT	$4.7B
EBITDA	$8.1B
EPS	$5.44
Financing cash flow	$-4.1B
Gross profit	$9.4B
Income taxes	$660M
Investing cash flow	$-44M
Net borrowing	$-29M
Net cash flow	$-276M
Net income	$3B
Operating income	$4.7B
Revenue	$26.7B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$77.39
Debt / EBITDA	1.1
Debt / equity	0.22
Goodwill	$3.4B
Interest coverage	11.51
Net cash (debt)	$-7.6B
Net cash / market cap	-18.3%
Net debt / EBITDA	0.94
Net debt / equity	0.19
Piotroski F-Score	5
Shareholders' equity	$40.6B
Tangible book value	$37.2B
Tangible book value per share	$70.86
Total assets	$163.5B
Total cash	$10.5B
Total debt	$9.1B
Total liabilities	$122.8B
WACC	6.52%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.16
Current ratio	0.61
Net working capital	$-41.9B
Quick ratio	0.22
Working capital	$-41.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	11.07%
Dividend growth	11.76%
Dividend growth (10Y)	4.36%
Dividend growth (3Y)	11.79%
Dividend growth (5Y)	8.22%
Dividend growth years	3
Dividend payment date	2026-09-30
Dividend payment years	14
Dividend payout frequency	Quarterly
Dividend per share	$2.00
Dividend yield	2.51%
Ex-dividend date	2026-09-16
Last dividend	$0.50
Payout ratio	36.76%
Shareholder yield	13.58%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	29.52%
10Y return CAGR	5.24%
10Y total return	66.69%
150-day SMA	$76.84
15Y price change	199.96%
15Y return CAGR	9.75%
15Y total return	303.49%
1D price change	0.16%
1M price change	7.25%
1M total return	7.25%
1W price change	-2.85%
1W total return	-2.85%
1Y price change	0.3%
1Y return CAGR	2.78%
1Y total return	2.77%
20-day SMA	$78.59
200-day SMA	$76.72
20Y price change	-94.1%
20Y return CAGR	-10.91%
20Y total return	-90.07%
3M price change	0.49%
3M total return	1.16%
3Y price change	33.63%
3Y return CAGR	12.62%
3Y total return	42.87%
50-day SMA	$76.83
50-day SMA vs 200-day SMA	50over200
52-week high	$87.29
52-week high date	2025-12-24
52-week low	$71.25
52-week low date	2026-01-23
5Y price change	35.87%
5Y return CAGR	8.79%
5Y total return	52.34%
6M price change	7.31%
6M total return	8.74%
All-time high	$2,075.00
All-time high date	2000-12-08
All-time low	$5.63
All-time low date	1969-07-31
Average true range (ATR)	$1.40
Average volume	4.2M
Beta (1Y)	0.17
Beta (2Y)	0.35
Beta (5Y)	0.53
Change from 52-week high	-8.68%
Change from 52-week low	11.88%
Change from all-time high	-96.17%
Change from all-time low	1,311.96%
Change from open	0.16%
Day's gap	0%
Dollar volume	$231.4M
High price	$80.26
Low price	$79.55
Monthly RSI	53.77
Open price	$79.58
Position in 52-week range	22.54%
Premarket change	-0.01%
Premarket close	$79.58
Premarket price	$79.57
Previous close	$79.58
Price vs 150-day SMA	3.53%
Price vs 20-day SMA	1.22%
Price vs 200-day SMA	3.69%
Price vs 50-day SMA	3.55%
Relative volume	0.69
RSI	55.08
Sharpe ratio	0.07
Sharpe ratio (3Y)	0.48
Sharpe ratio (5Y)	0.29
Sortino ratio	0.34
Sortino ratio (3Y)	0.93
Sortino ratio (5Y)	0.63
Volume	2.9M
Weekly RSI	55.37
YTD price change	-7.01%
YTD total return	-5.22%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	521.3M
Float percentage	99.7%
Shares change (QoQ)	-1.58%
Shares change (YoY)	-11.07%
Shares held by insiders	0.19%
Shares held by institutions	97.49%
Shares outstanding	522.9M
Short % of float	2.14%
Short % of shares	2.13%
Short ratio	2.2 days

Deeper analysis on AIG

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this AIG report

What is the latest published AIG stock rating?

American International Group Inc. is shown with Strong Buy in the latest published report, analyzed 2026-10-03. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full AIG analysis?

The full latest published report, analyzed 2026-10-03, lives at /stocks/AIG/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for AIG?

The latest published report analyzed 2026-10-03 gives AIG a fair value of USD 131 and a potential value of USD 196. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the AIG page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-10-03). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

Strong BuyAIG · Fair value $131+75.3%

Read full analysis →

Category	Score	Reading
Valuation	9.5
Management	6.5
Balance Sheet	5.0
Profitability	5.5
Revenue Growth	4.5
Risk Assessment	7.0
Competitive Moat	5.5
Earnings Quality	4.5
Capital Efficiency	2.5

American International Group Inc. (AIG)

Our latest published analysis: AIG rated Strong Buy

Price

Financial snapshot

Fair-value bridge

Latest news · AIG

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All AIG indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on AIG

Frequently asked questions

등급 이력