American International Group, Inc. AIG SPX

Financial Services · Insurance - Diversified · United States

https://www.aig.com

American International Group, Inc. provides insurance products for commercial, institutional, and individual customers in North America and internationally. It operates through three segments: North America Commercial, International Commercial, and Global Personal. The company offers commercial and industrial property insurance, including business interruption and package insurance that cover exposure to made and natural disasters; general liability, environmental, commercial automobile liability, workers' compensation, excess casualty, and crisis management insurance products; risk-sharing and other customized structured programs for large corporate and multinational customers; professional liability insurance; and marine, energy-related property insurance products, aviation, political risk, trade credit, and trade finance products. It also provides group personal accident and business travel products for employees, associations, and other organizations; voluntary and sponsor-paid personal accident and supplemental health products for individuals; and personal auto and homeowners in selected markets, comprehensive extended warranty, device protection insurance, home warranty and related services, and insurance for high net-worth individuals. In addition, the company offers mortgage and other loans receivable, such as commercial mortgages, life insurance policy loans, commercial loans, and other loans and notes receivable. American International Group, Inc. was founded in 1919 and is headquartered in New York, New York.

Market & Price

Market Cap

$39.36B

Current Price

$74.23

High / Low (52W)

$86.08 / $71.47

Beta

0.54

Valuation

Stock P/E

13.07

Industry PE

12.01

Forward P/E

8.35

PEG Ratio

0.61

Book Value

$75.82

Price to Book

0.98

P/S

1.47

EV/EBITDA

4.68

Dividend Yield

2.69%

Profitability & Returns

ROCE

ROE

7.72%

ROA

1.88%

Profit Margin

11.84%

Op Margin

18.62%

EPS (Latest Qtr)

$1.41

EPS (TTM)

$5.68

Balance Sheet & Liquidity

Debt/Equity

0.23

Quick Ratio

0.20

Current Ratio

0.61

Debt

$9.16B

Total Assets

$161.25B

Current Assets

Working Capital

Ownership

Promoter Holding

0.59%

Chg in Prom Hold

FII / Inst Holding

97.43%

Chg in FII Hold

0.01%

Financial Snapshot

Enterprise Value

$38.94B

Total Revenue (TTM)

$26.70B

EBITDA

$8.32B

Free Cash Flow

$9.52B

Operating Cash Flow

$3.52B

Shares Outstanding

530.21M

Gross Margin

35.53%

Payout Ratio

31.69%

Growth (CAGR)

Revenue 5Y

-3.69%

Profit 5Y

-32.85%

Revenue (YoY)

1.40%

Earnings (YoY)

21.60%

PROS

Attractive dividend yield of 2.69%.
Generates positive free cash flow.

CONS

Revenue declined at -3.7% CAGR over 5 years.
Earnings shrank at -32.9% CAGR over 5 years.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	AIG American International Group, Inc. SPX	74.23	13.07	$39.36B	2.69%	-	7.72%	-3.69%	-32.85%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	12.82B	13.83B	11.78B	14.72B	12.85B	13.01B	12.63B	12.50B	11.75B	12.63B	11.71B	11.63B	11.49B	12.56B	12.46B	12.56B	12.91B	11.81B	14.44B	9.40B	10.22B	14.45B	10.68B	12.84B	14.94B	13.66B	14.00B	6.71B	7.44B	7.27B	6.53B	6.76B	6.56B	6.75B	-	6.77B	7.04B	6.40B	6.56B	6.62B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.05B	1.64B	813.00M	766.00M	1.09B
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	92.00M	100.00M	99.00M	105.00M	100.00M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	960.00M	1.54B	714.00M	661.00M	987.00M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	262.00M	400.00M	190.00M	-70.00M	224.00M
Net Income	-231.00M	-1.84B	-183.00M	1.91B	462.00M	-3.04B	1.19B	1.13B	-1.74B	-6.66B	938.00M	937.00M	-1.26B	-622.00M	654.00M	1.11B	656.00M	929.00M	1.75B	-7.93B	288.00M	3.88B	99.00M	1.67B	4.17B	2.75B	2.75B	30.00M	1.49B	2.03B	93.00M	1.22B	-3.98B	459.00M	-	698.00M	1.14B	519.00M	735.00M	763.00M
Diluted EPS	-0.18	-	-0.16	1.68	0.42	-	1.18	1.19	-1.91	-	1.01	1.02	-1.41	-	0.75	1.24	0.72	-	1.98	-9.15	0.32	4.41	0.11	1.92	5.04	3.43	3.55	0.03	2.03	2.81	-	1.74	-5.96	0.71	1.43	1.16	1.98	0.93	-	1.41

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	103.63B	-6.84B	75.45B	72.83B	65.11B	71.21B	68.87B	64.41B	58.33B	52.37B	49.52B	47.39B	49.75B	43.74B	-	29.98B	27.94B	27.27B	26.77B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.38B	3.38B	4.33B	4.28B
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	603.00M	516.00M	462.00M	396.00M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.77B	2.87B	3.87B	3.88B
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	882.00M	126.00M	1.17B	782.00M
Net Income	6.20B	-99.29B	-10.95B	10.06B	20.62B	3.44B	9.09B	7.53B	2.20B	-849.00M	-6.08B	-6.00M	3.35B	-5.94B	-	10.23B	3.64B	-1.40B	3.10B
Diluted EPS	-	-	-	-	11.01	2.04	6.13	5.20	1.65	-0.78	-6.54	-0.01	3.74	-6.88	-	12.94	4.98	-2.17	5.43

Compounded Sales Growth

5 Years:	-3.69%
1 Year:	1.40%

Compounded Profit Growth

5 Years:	-32.85%
1 Year:	21.60%

Stock Price Performance

1 Year:	-10.33%
6 Months:	+0.07%
3 Months:	-7.23%
1 Month:	+0.60%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2006	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Jan 2021	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	860.42B	847.59B	683.44B	553.05B	548.63B	541.33B	515.58B	496.84B	498.26B	498.30B	491.98B	525.06B	586.48B	598.84B	-	522.23B	539.31B	161.32B	161.25B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.04B	1.54B	1.30B	1.27B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.24B	9.97B	10.46B	10.44B
Total Liabilities	-	-	797.69B	748.55B	569.77B	442.14B	449.63B	440.22B	408.31B	406.63B	421.41B	432.59B	434.68B	457.64B	519.28B	532.91B	-	478.77B	488.00B	118.77B	120.09B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	75.25B	48.50B	41.69B	31.22B	29.25B	30.91B	31.64B	34.54B	35.35B	37.53B	-	-	25.68B	10.61B	8.92B	9.19B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.18B	10.61B	8.92B	9.19B
Total Equity	107.04B	104.27B	52.71B	69.82B	85.32B	101.54B	98.00B	100.47B	106.90B	89.66B	76.30B	65.17B	56.36B	65.67B	66.36B	65.10B	-	40.97B	45.35B	42.52B	41.14B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.91B	1.91B	1.91B	1.91B

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	32.79B	-122.00M	18.58B	16.60B	-81.00M	3.68B	5.87B	5.01B	2.88B	3.50B	-7.82B	-394.00M	-1.81B	1.04B	-	4.13B	6.24B	3.27B	3.31B
Investing Cash Flow	-67.24B	47.18B	5.78B	-9.91B	36.45B	16.61B	7.10B	14.28B	8.46B	3.25B	14.04B	-223.00M	-5.47B	-6.20B	-	-3.63B	-7.02B	1.67B	3.19B
Financing Cash Flow	35.09B	-40.73B	-29.00B	-9.26B	-36.93B	-20.56B	-11.76B	-19.79B	-11.43B	-6.83B	-5.70B	1.25B	7.26B	5.06B	-	-602.00M	782.00M	-5.06B	-6.54B
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.13B	6.24B	3.27B	3.31B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-94.00M	4.00M	-118.00M	-39.00M
Share Buybacks	-	-	-	-	70.00M	13.00B	597.00M	4.90B	10.69B	11.46B	6.28B	1.74B	0	500.00M	2.59B	5.20B	2.96B	6.65B	5.84B
Dividends Paid	1.88B	1.63B	-	-	-	-	294.00M	712.00M	1.03B	1.37B	1.17B	1.14B	1.11B	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14.6%	12.1%	15.9%	16.0%
Net Margin %	6.0%	1,451.6%	-14.5%	13.8%	31.7%	4.8%	13.2%	11.7%	3.8%	-1.6%	-12.3%	-0.0%	6.7%	-13.6%	-	34.1%	13.0%	-5.1%	11.6%
ROE %	5.9%	-188.4%	-15.7%	11.8%	20.3%	3.5%	9.0%	7.0%	2.4%	-1.1%	-9.3%	-0.0%	5.1%	-9.0%	-	25.0%	8.0%	-3.3%	7.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

0.59%

Institutions

97.43%

Public Float

98.02%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.80%	46.67M	$3.46B
2	Vanguard Capital Management LLC	6.58%	34.87M	$2.59B
3	Wellington Management Group, LLP	5.35%	28.37M	$2.11B
4	Vanguard Portfolio Management LLC	5.13%	27.20M	$2.02B
5	State Street Corporation	4.70%	24.92M	$1.85B
6	Harris Associates L.P.	3.88%	20.60M	$1.53B
7	Price (T.Rowe) Associates Inc	2.62%	13.88M	$1.03B
8	Invesco Ltd.	2.43%	12.86M	$954.78M
9	Geode Capital Management, LLC	2.37%	12.55M	$931.24M
10	Franklin Resources, Inc.	2.21%	11.69M	$868.09M

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