Tearsheet

American International (AIG)

Market Price (12/25/2025): $85.92 | Market Cap: $47.5 Bil
Sector: Financials | Industry: Multi-line Insurance

American International (AIG)

Market Price (12/25/2025): $85.92
Market Cap: $47.5 Bil
Sector: Financials
Industry: Multi-line Insurance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.9%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.7%, FCF Yield is 5.9%	Trading close to highs Dist 52W High is -0.1%, Dist 3Y High is -0.1%	Weak revenue growth Rev Chg QQuarterly Revenue Change % is -5.2%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -58%	Weak multi-year price returns 2Y Excs Rtn is -12%, 3Y Excs Rtn is -31%	Key risks AIG key risks include [1] diminished financial strength, Show more.
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 10%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 10%, CFO LTM is 2.8 Bil, FCF LTM is 2.8 Bil
3	Low stock price volatility Vol 12M is 24%
4	Megatrend and thematic drivers Megatrends include AI in Financial Services, Digital & Alternative Assets, and Sustainable Finance. Themes include AI for Fraud Detection, Show more.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.9%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.7%, FCF Yield is 5.9%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -58%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 10%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 10%, CFO LTM is 2.8 Bil, FCF LTM is 2.8 Bil
3	Low stock price volatility Vol 12M is 24%
4	Megatrend and thematic drivers Megatrends include AI in Financial Services, Digital & Alternative Assets, and Sustainable Finance. Themes include AI for Fraud Detection, Show more.
5	Trading close to highs Dist 52W High is -0.1%, Dist 3Y High is -0.1%
6	Weak multi-year price returns 2Y Excs Rtn is -12%, 3Y Excs Rtn is -31%
7	Weak revenue growth Rev Chg QQuarterly Revenue Change % is -5.2%
8	Key risks AIG key risks include [1] diminished financial strength, Show more.

Valuation, Metrics & Events

	12/25/25	2024	2023	2022	2021
Share Price CYE	$85.92	$71.28	$64.94	$59.15	$51.99
Market Cap CYE ($ Bil)	47.5	44.2	45.5	44.1	43.3
Total Debt ($ Bil)	9.2	8.9	10.6	27.2	30.2
Total Cash ($ Bil)	1.6	1.3	1.5	2.0	2.2
Enterprise Value ($ Bil)	55.2	53.1	56.1	71.3	73.5
Valuation Ratios
P/S TTM	1.7	1.7	1.7	1.6	0.9
P/EBIT TTM	9.2	10.9	14.4	11.3	3.3
P/E TTM	14.6	-33.8	13.4	4.8	4.7
P/FCF TTM	17.0	14.5	7.8	11.9	7.8
Sector Ratios
P/S TTM (Sector)	3.3	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	8.1	8.3	7.3	7.6	7.2
P/E TTM (Sector)	12.0	11.6	10.1	9.4	10.1
P/FCF TTM (Sector)	8.8	8.8	7.8	6.5	7.4

	12/25/25	2024	2023
Share Price CYE	$85.92	$71.28	$64.94
Market Cap CYE ($ Bil)	47.5	44.2	45.5
Total Debt ($ Bil)	9.2	8.9	10.6
Total Cash ($ Bil)	1.6	1.3	1.5
Enterprise Value ($ Bil)	55.2	53.1	56.1
Valuation Ratios
P/S TTM	1.7	1.7	1.7
P/EBIT TTM	9.2	10.9	14.4
P/E TTM	14.6	-33.8	13.4
P/FCF TTM	17.0	14.5	7.8
Sector Ratios
P/S TTM (Sector)	3.3	3.1	2.8
P/EBIT TTM (Sector)	8.1	8.3	7.3
P/E TTM (Sector)	12.0	11.6	10.1
P/FCF TTM (Sector)	8.8	8.8	7.8

	AIG	S&P 500
REVENUE GROWTH
Rev LTM ($ Bil)	27.4
Rev Chg Q	-5.2%	7.3%
Rev Chg LTM	2.9%	6.1%
Rev Chg 3Y Avg	9.8%	5.5%
PROFITABILITY	FAIR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	2.8
Net Inc LTM ($ Bil)	3.3
CFO/Rev LTM	10.2%	20.4%
Net Inc Mgn	11.9%	13.1%
VALUATION	LOW
P/S	1.7	3.3
P/CFO	17.0	15.8
P/FCF	17.0	20.7
P/E	14.6	23.5

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Metric	Value	Date	Source
General Insurance Combined Ratio	86.8%	9302025	Link
General Insurance Accident Year Combined Ratio (as adjusted)	88.3%	9302025	Link
Core Operating Return on Equity	13.6%	9302025	Link
Book Value per Share	$75.45	9302025	Link
Adjusted Tangible Book Value per Share	$70.07	9302025	Link
Core Operating Book Value per Share	$66.66	9302025	Link
Total Debt to Total Adjusted Capital Ratio	17.7%	9302025	Link
AIG's Share of Industry Catastrophe Losses	less than 1%	12312024	Link
Exit Run-Rate Savings (AIG Next)	$450 million	12312024	Link
Global Commercial Lines Renewal Retention	88%	12312023	Link

Recent
12/16/2025	Dividend	Amount: $0.45 Payment On: 12/30/2025
Upcoming
2/10/2026	Earnings Release	Rev: - EPS: -

AIG Stock

Return (1M):

Why The Stock Moved

Qualitative Assessment

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American International Group (AIG) experienced a 7.6% stock movement from August 31, 2025, to December 26, 2025, primarily driven by a series of strong financial results and strategic corporate actions.

1. Outstanding Third Quarter 2025 Financial Performance: AIG reported an exceptional third quarter for 2025, with net income per diluted share increasing by 31% to $0.93 and adjusted after-tax income (AATI) per diluted share surging by 77% to $2.20 year-over-year, significantly surpassing analyst estimates. The company's net income rose 13% to $519 million, and AATI climbed 52% to $1.2 billion. Adjusted operating revenues also advanced 3.2% year-over-year to $7.1 billion, beating consensus forecasts.

2. Strategic Acquisitions and Investments: AIG strengthened its market position through key strategic transactions. On October 27, the company announced definitive agreements to acquire the renewal rights for a majority of Everest Group's global retail commercial insurance portfolios, representing $2 billion of aggregate premium. This was followed by announcements on October 30 of strategic investments in Convex Group, a privately held global specialty insurer, and an equity stake in Onex Corporation, a global asset manager.

Show more American International Group (AIG) experienced a 7.6% stock movement from August 31, 2025, to December 26, 2025, primarily driven by a series of strong financial results and strategic corporate actions.

1. Outstanding Third Quarter 2025 Financial Performance: AIG reported an exceptional third quarter for 2025, with net income per diluted share increasing by 31% to $0.93 and adjusted after-tax income (AATI) per diluted share surging by 77% to $2.20 year-over-year, significantly surpassing analyst estimates. The company's net income rose 13% to $519 million, and AATI climbed 52% to $1.2 billion. Adjusted operating revenues also advanced 3.2% year-over-year to $7.1 billion, beating consensus forecasts.

2. Strategic Acquisitions and Investments: AIG strengthened its market position through key strategic transactions. On October 27, the company announced definitive agreements to acquire the renewal rights for a majority of Everest Group's global retail commercial insurance portfolios, representing $2 billion of aggregate premium. This was followed by announcements on October 30 of strategic investments in Convex Group, a privately held global specialty insurer, and an equity stake in Onex Corporation, a global asset manager.

3. Substantial Return of Capital to Shareholders: Demonstrating strong financial health and commitment to shareholder value, AIG returned approximately $1.5 billion of capital to shareholders during the third quarter of 2025. This included approximately $1.25 billion in share repurchases and $250 million in dividends.

4. Significant Improvement in General Insurance Underwriting Income and Combined Ratio: The General Insurance segment delivered robust performance, with underwriting income totaling $793 million, an impressive 81% increase year-over-year. The combined ratio for General Insurance improved by 580 basis points to 86.8%, indicating enhanced underwriting discipline and operational efficiency.

5. Focus on Strategic Partnerships and AI for Future Growth and Efficiency: AIG continued its digital transformation efforts, announcing on December 18, 2025, a strategic partnership with Amwins and Blackstone to form a special purpose vehicle, and a collaboration with Palantir on generative AI capabilities. This builds on AIG's "AIG Next" program, which targets substantial savings of $500 million by 2025, primarily through reduced operating expenses driven by AI and automation. The company is also deploying AI for portfolio construction in its new Lloyd's Syndicate 2479. Show less

Stock Movement Drivers

Fundamental Drivers

The 12.0% change in AIG stock from 9/25/2025 to 12/25/2025 was primarily driven by a 6.2% change in the company's P/E Multiple.

	9252025	12252025	Change
Stock Price ($)	76.70	85.92	12.02%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	27743.00	27390.00	-1.27%
Net Income Margin (%)	11.53%	11.90%	3.19%
P/E Multiple	13.73	14.59	6.22%
Shares Outstanding (Mil)	572.82	553.31	3.41%
Cumulative Contribution			11.89%

LTM = Last Twelve Months as of date shown

Market Drivers

9/25/2025 to 12/25/2025

	Return	Correlation
AIG	12.8%
Market (SPY)	4.9%	7.9%
Sector (XLF)	4.2%	47.0%

Fundamental Drivers

The 2.2% change in AIG stock from 6/26/2025 to 12/25/2025 was primarily driven by a 6.8% change in the company's Shares Outstanding (Mil).

	6262025	12252025	Change
Stock Price ($)	84.03	85.92	2.25%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	27271.00	27390.00	0.44%
P/S Multiple	1.83	1.74	-5.15%
Shares Outstanding (Mil)	593.84	553.31	6.83%
Cumulative Contribution			1.77%

LTM = Last Twelve Months as of date shown

Market Drivers

6/26/2025 to 12/25/2025

	Return	Correlation
AIG	3.0%
Market (SPY)	13.1%	10.3%
Sector (XLF)	8.0%	46.3%

Fundamental Drivers

The 20.5% change in AIG stock from 12/25/2024 to 12/25/2025 was primarily driven by a 13.8% change in the company's Shares Outstanding (Mil).

	12252024	12252025	Change
Stock Price ($)	71.31	85.92	20.48%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	26623.00	27390.00	2.88%
P/S Multiple	1.72	1.74	0.99%
Shares Outstanding (Mil)	641.62	553.31	13.76%
Cumulative Contribution			18.20%

LTM = Last Twelve Months as of date shown

Market Drivers

12/25/2024 to 12/25/2025

	Return	Correlation
AIG	21.3%
Market (SPY)	15.8%	43.1%
Sector (XLF)	14.9%	63.9%

Fundamental Drivers

The 45.4% change in AIG stock from 12/26/2022 to 12/25/2025 was primarily driven by a 366.0% change in the company's P/E Multiple.

	12262022	12252025	Change
Stock Price ($)	59.08	85.92	45.44%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	56881.00	27390.00	-51.85%
Net Income Margin (%)	25.32%	11.90%	-53.00%
P/E Multiple	3.13	14.59	365.98%
Shares Outstanding (Mil)	763.05	553.31	27.49%
Cumulative Contribution			34.45%

LTM = Last Twelve Months as of date shown

Market Drivers

12/26/2023 to 12/25/2025

	Return	Correlation
AIG	34.5%
Market (SPY)	48.3%	43.0%
Sector (XLF)	52.6%	63.8%

Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
AIG Return	-23%	54%	14%	10%	10%	21%	97%
Peers Return	-2%	27%	14%	4%	28%	10%	110%
S&P 500 Return	16%	27%	-19%	24%	23%	18%	115%
Monthly Win Rates [3]
AIG Win Rate	50%	67%	67%	58%	58%	67%
Peers Win Rate	55%	57%	63%	60%	65%	60%
S&P 500 Win Rate	58%	75%	42%	67%	75%	73%
Max Drawdowns [4]
AIG Max Drawdown	-63%	-2%	-15%	-25%	-1%	-3%
Peers Max Drawdown	-45%	-4%	-7%	-21%	-1%	-10%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: MET, PRU, CB, ALL, TRV. See AIG Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/24/2025 (YTD)

How Low Can It Go

Unique Key	Event	AIG	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-26.9%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	36.9%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	243 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-65.5%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	190.0%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	513 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-45.6%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	83.7%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	1,828 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-100.0%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	306440.1%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	Not Fully Recovered days	1,480 days

Compare to

In The Past

American International's stock fell -26.9% during the 2022 Inflation Shock from a high on 1/6/2023. A -26.9% loss requires a 36.9% gain to breakeven.

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About American International (AIG)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

American International Group, Inc. offers insurance products for commercial, institutional, and individual customers in North America and internationally. The company's General Insurance segment provides general liability, environmental, commercial automobile liability, workers' compensation, casualty, and crisis management insurance products; commercial, industrial, and energy-related property insurance; and aerospace, political risk, trade credit, portfolio solutions, crop, and marine insurance. It also provides professional liability insurance products for a range of businesses and risks, including directors and officers, mergers and acquisitions, fidelity, employment practices, fiduciary liability, cyber risk, kidnap and ransom, and errors and omissions insurance. In addition, this segment offers personal auto and property insurance, such as auto, homeowners, umbrella, yacht, fine art, and collections; voluntary and sponsor-paid personal accident; supplemental health products; extended warranty insurance products; and travel insurance products. Its Life and Retirement segment offers variable annuities, index and fixed annuities, and retail mutual funds; and financial planning and advisory services; record-keeping, plan administrative, and compliance services; and term life and universal life insurance. It also provides stable value wrap products, and structured settlement and pension risk transfer annuities; and corporate- and bank-owned life insurance and guaranteed investment contracts. This segment sells its products through independent marketing organizations, independent insurance agents, financial advisors, direct marketing, banks, and broker-dealers. The company was founded in 1919 and is headquartered in New York, New York.

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It's like MetLife, but also a major global provider of property and casualty insurance.
It's like a global Allstate, but with a large life insurance and retirement products division.

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Major Services of American International Group (AIG)

Commercial Property & Casualty Insurance

Provides businesses with coverage for property damage, operational liabilities, and various business interruption risks.
Specialty Insurance

Offers tailored insurance solutions for niche industries and complex risks, including aviation, marine, energy, and political risk.
Financial Lines Insurance

Provides coverage for management liability (D&O), professional indemnity (E&O), cyber risk, and other financial exposures for companies.
Personal Insurance

Offers a range of insurance products, including homeowners, automobile, and excess liability, primarily for high-net-worth individuals.

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American International Group (AIG) is a global insurance organization that serves a vast and diverse customer base across both business-to-business (B2B) and business-to-consumer (B2C) segments. Due to the nature of its insurance and retirement solutions business, AIG does not have a small number of "major" named corporate customers in the traditional sense, nor does it sell primarily to individuals in a way that excludes its significant commercial operations. Instead, it serves broad categories of clients.

AIG's major customer categories include:

Individual Consumers: This category encompasses individuals and families seeking various forms of personal protection and financial security. This includes customers purchasing personal auto insurance, homeowners insurance, travel insurance, individual life insurance policies, and annuities for retirement savings and income.
Commercial Businesses and Corporations: This category includes a wide spectrum of enterprises, from small and medium-sized businesses (SMBs) to large multinational corporations. These customers purchase a comprehensive range of commercial insurance solutions, including property, casualty, liability, professional liability, marine, aviation, energy, construction, and other specialty coverages across diverse industries (e.g., technology, manufacturing, financial services, healthcare, transportation).
Institutional Clients and Employers: This category primarily consists of employers (both corporate and public sector) who partner with AIG to provide group retirement plans and solutions for their employees. It also includes other financial institutions or fiduciaries that utilize AIG's investment management and financial products.

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Peter Zaffino, Chairman & Chief Executive Officer

Peter Zaffino has over 35 years of experience in the insurance and reinsurance industry. He joined AIG in 2017 as Global Chief Operating Officer, became Chief Executive Officer in 2021, and was appointed Chairman of the Board of Directors in 2022. Prior to joining AIG, Mr. Zaffino held executive leadership roles at Marsh & McLennan Companies (MMC), where he served as Chairman of MMC's Risk and Insurance businesses, Chief Executive Officer of Marsh, and President & Chief Executive Officer of Guy Carpenter. Before his time at MMC, he held senior roles within GE Capital, specializing in alternative risk reinsurance.

Sabra Purtill, Executive Vice President and Chief Financial Officer

Sabra Purtill is the Executive Vice President and Chief Financial Officer of AIG, a role she assumed in January 2023. She initially joined AIG in 2019 as Deputy Chief Financial Officer and Treasurer, later serving as Chief Risk Officer from 2021-2022, and as Chief Investment Officer of Corebridge Financial. Before her tenure at AIG, Ms. Purtill held senior leadership positions in Finance and Investor Relations at The Hartford Financial Services Group, Inc. She also served as Managing Director, Investor Relations & Communications at Assured Guaranty Ltd. and as a Corporate Finance Officer at ACE Limited (now Chubb Limited), where she led the initial public offering of Assured Guaranty Ltd. Her career began in corporate finance at Chase Manhattan Bank, N.A.

Rose Marie Glazer, Executive Vice President, General Counsel

Rose Marie Glazer serves as Executive Vice President, General Counsel for AIG. Her appointment as General Counsel was noted in November.

Claude Wade, Executive Vice President, Chief Digital Officer, Head of Global Business Operations and IT

Claude Wade holds the position of Executive Vice President, Chief Digital Officer, and Head of Global Business Operations and IT at AIG.

Roshan Navagamuwa, Executive Vice President, Chief Information Officer

Roshan Navagamuwa is the Executive Vice President and Chief Information Officer at AIG, a role he assumed in 2024.

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The American International Group (AIG) faces several key risks to its business operations and financial performance:

Financial Strength, Profitability, and Growth Concerns: AIG has shown diminished rankings in financial strength, growth, and valuation. The company's revenue has declined, and its net margin has trended downward over the past five years, indicating challenges in maintaining profitability. Additionally, a low cash-to-debt ratio suggests potential struggles in managing existing debt levels.
Exposure to Catastrophic Events: As a major player in the property and casualty insurance sector, AIG is highly vulnerable to natural disasters and other catastrophic events. Such events can lead to significant financial losses due to large claim payouts, impacting the company's profitability and financial stability.
Regulatory Pressures and Intense Market Competition: The insurance industry is subject to stringent regulations across various jurisdictions, which can increase AIG's operational costs and limit its business flexibility. Furthermore, the company operates in a highly competitive market, facing intense rivalry from other large insurance companies, which can affect its market share and overall profitability.

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Climate Change Impact: The increasing frequency and severity of natural catastrophes (e.g., wildfires, hurricanes, floods) globally pose a clear emerging threat. This directly impacts AIG's General Insurance segment through higher claims payouts, increased volatility in underwriting results, challenges in accurate risk modeling and pricing, and potential pressure on reinsurance markets. The ability to profitably underwrite property and casualty risks in increasingly climate-affected regions is being significantly challenged.
Insurtech Disruption and Data-Driven Competition: The proliferation of agile Insurtech startups and technologically advanced competitors leveraging artificial intelligence, big data analytics, and automation is an emerging threat. These companies can offer more personalized products, streamlined customer experiences, and potentially lower operating costs, pressuring traditional insurers like AIG on market share, pricing power, and the need for significant investment in digital transformation and modernization of legacy systems.

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American International Group (AIG) operates primarily in two main product and service areas: General Insurance (Property and Casualty) and Life & Retirement.

General Insurance (Property & Casualty)

Global Market: The global property and casualty insurance market was valued at approximately USD 3.97 trillion in 2024 and is projected to reach about USD 8.81 trillion by 2034. Another estimate places the global market at USD 1.8 trillion in 2023, expected to grow to USD 2.62 trillion by 2030.
North America Market: The North America property and casualty insurance market was sized at approximately USD 1.27 trillion in 2024 and is anticipated to reach around USD 2.86 trillion by 2034. North America held the largest revenue share in the global market, accounting for 30.2% in 2023 and 43.99% in 2024. The U.S. property and casualty insurance market specifically was estimated at USD 890 billion in 2024 and is projected to reach approximately USD 2.02 trillion by 2034.

Life & Retirement

Global Life Insurance Market: The global life insurance market was estimated at USD 7.55 trillion in 2024 and is predicted to grow to approximately USD 18.03 trillion by 2034. Another source states the global life insurance market is projected to grow from USD 4.57 trillion in 2024 to USD 4.97 trillion in 2025, reaching USD 8.84 trillion by 2032.
North America Life & Retirement Market: The North American life insurance market had total gross written premiums of USD 758.8 billion in 2022. The market generated a revenue of USD 552.435 billion in 2020 and is expected to reach USD 917.335 billion by 2027. North America accounted for the largest revenue share in the global life insurance market in 2024, at 32%. The pension/annuity segment within the North American life insurance market accounted for USD 456.3 billion in gross written premiums in 2022, representing 60.1% of the market's overall value.

For AIG's standalone technology-enabled subsidiary, market size information for its addressable market is null, as it enhances the other core businesses rather than having a distinct external product market.

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American International Group (AIG) is expected to drive future revenue growth over the next two to three years through several key initiatives and market trends:

Expansion in Global Commercial Lines: AIG anticipates continued robust growth within its Global Commercial Lines, especially in North America Commercial, focusing on casualty and excess lines. The company has demonstrated strong new business generation and high retention rates in these segments, indicating a solid foundation for ongoing revenue expansion.
Increased Net Investment Income: AIG's investment strategy focuses on reallocating assets towards higher-yield fixed maturities and private credit, which, combined with a favorable interest rate environment, is expected to boost net investment income. This has already contributed to a significant increase in net investment income year-over-year.
Strategic Acquisitions and Investments: Recent strategic moves, such as investments in Convex Group, a global specialty insurer, and Onex Corporation, a global asset manager, are poised to expand AIG's international presence and underwriting capabilities. Additionally, the acquisition of renewal rights for a majority of Everest Group's global retail commercial insurance portfolios, representing substantial aggregate premiums, is expected to directly enhance its revenue base.
Enhanced Operational Efficiency and Digital Transformation: Through initiatives like "AIG Next" and the adoption of advanced technologies such as GenAI, AIG aims to improve operational efficiencies, streamline processes, and increase submission rates. These efforts contribute to revenue growth by strengthening competitive advantage, improving underwriting discipline, and enhancing the conversion of potential business.
Targeted Growth in Specific Product Niches: AIG has identified and is pursuing significant growth opportunities in targeted areas, including Programs, Western World, and Excess Casualty. This focused approach on specific, high-potential product lines is expected to contribute to specialized revenue expansion within its insurance offerings.

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Share Repurchases

AIG returned approximately $6 billion to shareholders year-to-date through Q3 2025, including approximately $1.25 billion in Q3 2025 and $2.2 billion in Q1 2025.
In the first half of 2025, AIG completed $4 billion in share buybacks, with an additional $467 million repurchased from July 1 to August 1, 2025.
A new share repurchase program of up to $7.5 billion was authorized, effective April 1, 2025, which includes approximately $3.4 billion remaining under the prior authorization.

Share Issuance

AIG reduced its ownership of Corebridge Financial common stock to 22.7% as of December 31, 2024, generating aggregate gross proceeds of $6.0 billion through various sale transactions.
In Q3 2025, AIG's ownership of Corebridge common stock was further reduced to 15.5% due to the sale of shares for aggregate proceeds of approximately $1 billion.
A secondary offering of 32.6 million Corebridge Financial shares by AIG, representing about $1.0 billion in gross proceeds, was expected to close on November 6, 2025.

Inbound Investments

Blackstone Group acquired a 9.9% stake in AIG's life and retirement unit (Corebridge Financial) for $2.2 billion in cash in July 2021.
AIG partnered with private equity firm Stone Point Capital to form a new independent managing general agent (MGA) called Private Client Select Insurance Services (PCS), which began producing business in Q3 2023.

Outbound Investments

On October 30, 2025, AIG announced strategic minority investments, including a 35% equity interest in Convex Group Limited for approximately $2.1 billion.
AIG also acquired a 9.9% ownership stake in Onex Corporation for approximately $646 million and committed up to $2.0 billion to Onex investment funds over three years.
On October 27, 2025, AIG agreed to acquire the renewal rights for a majority of Everest Group's global retail commercial insurance portfolios, representing approximately $2 billion of aggregate premium.

Capital Expenditures

AIG is actively deploying generative AI across its operations, partnering with Palantir and Anthropic, to accelerate underwriting and improve risk selection.
The AIG Next Program, aimed at simplifying the company and integrating operations, is expected to fully realize $500 million in savings in 2025.

Interactive Breakdown

American International Interactive Breakdown Analysis

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What You Pay
P/E	14.7	13.2	9.1	9.0	26.4	19.4	8.5	11.3	14.0	36.3	12.7
P/EBIT	9.3	10.5	5.7	6.9	19.8	15.1	6.2	9.0	10.8	24.6	8.1
What You Get
Rev Chg Q	-5.2%	-35.5%	17.8%	-0.7%	-3.0%	19.0%	7.6%	6.0%	16.3%	13.3%	11.9%
Rev Chg LTM	2.9%	24.0%	-4.9%	2.2%	5.8%	18.1%	8.9%	10.2%	21.1%	22.2%	3.9%
Rev Chg 3Y Avg	9.8%	429.4%	22.0%	1.2%	8.9%	32.4%	10.3%	7.6%	23.5%	19.7%	2.1%
FCF/Rev 3Y Avg	21.6%	847.0%	120.8%	62.2%	61.9%	60.8%	58.4%	55.6%	54.7%	49.8%	49.6%

Latest Trefis Analyses

	Title	Topic
0	DASHBOARDS
1	American International Stock On Fire: Up 13% With 5-Day Winning Streak	Notification
2	Can American International Stock Hold Up When Markets Turn?	Return
3	AIG Dip Buy Analysis
4	American International Total Shareholder Return (TSR): 11.8% in 2024 and 13.0% 3-yr compounded annual returns (below peer average)
5	American International (AIG) Operating Cash Flow Comparison	Financials
6	American International (AIG) Net Income Comparison	Financials
7	American International vs. S&P500 Correlation	Correlation
8	American International Price Volatility	Volatility
9	Fundamental Metrics: ...
10	American International Group (AIG) Earnings Preview: AIG Stock Likely To Trade Higher Due To Strong FY 2023Q4 Results With Revenues And Earnings Beating Expectations	Better Bets

	Title
0	ARTICLES

Trade Ideas

Select ideas related to AIG. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
WU_11212025_Dip_Buyer_FCFYield	11212025	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	13.8%	13.8%	-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper	11212025	COIN	Coinbase Global	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-0.3%	-0.3%	-0.5%
PYPL_11142025_Dip_Buyer_FCFYield	11142025	PYPL	PayPal	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-4.4%	-4.4%	-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper	11142025	V	Visa	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	7.6%	7.6%	-2.7%
WD_11072025_Dip_Buyer_ValueBuy	11072025	WD	Walker & Dunlop	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	-11.2%	-11.2%	-12.1%

Recent Active Movers

Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
OMER	Omeros	0.9	75.5%	55.5%
DVAX	Dynavax Technologies	1.8	38.2%	20.4%
EWTX	Edgewise Therapeutics	2.9	25.5%	2.2%
AGIO	Agios Pharmaceuticals	1.7	18.6%	-11.2%
TVTX	Travere Therapeutics	3.6	13.9%	131.2%
KOD	Kodiak Sciences	1.6	13.2%	212.4%
RZLT	Rezolute	0.3	13.2%	-44.1%
UP	Wheels Up Experience	0.5	11.7%	-57.4%
FBYD	Falcons Beyond Global	0.7	9.5%	129.7%
BW	Babcock & Wilcox Enterprises	0.5	8.5%	226.2%

Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
ASTS	AST SpaceMobile	18.9	-8.9%	269.9%
QBTS	D-Wave Quantum	9.4	-5.5%	227.6%
NNE	Nano Nuclear Energy	1.2	-4.6%	21.7%
MNMD	Mind Medicine	1.2	-4.2%	93.0%
PPTA	Perpetua Resources	2.0	-4.0%	149.1%
KOS	Kosmos Energy	0.4	-4.0%	-73.6%
FRMI	Fermi	5.5	-4.0%	-75.7%
EXOD	Exodus Movement	0.4	-3.9%	-50.5%
TLRY	Tilray Brands	10.8	-3.6%	-23.7%
AEHR	Aehr Test Systems	0.7	-3.1%	32.7%

Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
OMER	Omeros	0.9	74.0%	55.5%
LUNR	Intuitive Machines	2.0	63.7%	-8.0%
AAOI	Applied Optoelectronics	2.6	51.1%	11.2%
FBYD	Falcons Beyond Global	0.7	47.2%	129.7%
FLY	Firefly Aerospace	3.8	45.9%	-55.2%
RKLB	Rocket Lab	39.8	43.0%	203.0%
DVAX	Dynavax Technologies	1.8	42.5%	20.4%
UAMY	United States Antimony	0.8	39.9%	258.8%
DJT	Trump Media & Technology	4.0	36.7%	-58.0%
RZLT	Rezolute	0.3	36.3%	-44.1%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
NOW	ServiceNow	31.7	-80.5%	-28.0%
TPL	Texas Pacific Land	6.8	-66.5%	-19.2%
LW	Lamb Weston	6.0	-28.6%	-34.8%
TLRY	Tilray Brands	10.8	-21.2%	-23.7%
INSP	Inspire Medical Systems	2.8	-19.1%	-48.4%
TDUP	ThredUp	0.8	-17.1%	354.7%
OLMA	Olema Pharmaceuticals	2.3	-15.8%	370.8%
IIPR	Innovative Industrial Properties	1.4	-12.9%	-15.7%
ABM	ABM Industries	2.6	-12.6%	-15.8%
FRMI	Fermi	5.5	-12.6%	-75.7%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
WVE	WAVE Life Sciences	3.0	144.6%	47.5%
TE	T1 Energy	1.1	124.5%	418.4%
ANF	Abercrombie & Fitch	6.0	93.2%	-15.2%
VERA	Vera Therapeutics	3.6	90.4%	31.6%
LUNR	Intuitive Machines	2.0	85.7%	-8.0%
AAOI	Applied Optoelectronics	2.6	82.5%	11.2%
RKLB	Rocket Lab	39.8	81.8%	203.0%
PL	Planet Labs PBC	6.2	76.1%	403.0%
NRGV	Energy Vault	0.8	66.9%	118.9%
FLY	Firefly Aerospace	3.8	60.4%	-55.2%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
RZLT	Rezolute	0.3	-72.0%	-44.1%
JANX	Janux Therapeutics	0.9	-54.6%	-73.3%
LENZ	LENZ Therapeutics	0.5	-46.3%	-40.6%
FRMI	Fermi	5.5	-45.2%	-75.7%
GOGO	Gogo	0.6	-34.1%	-43.0%
HPK	HighPeak Energy	0.6	-30.8%	-69.2%
ORIC	ORIC Pharmaceuticals	0.7	-28.5%	4.5%
FDMT	4D Molecular Therapeutics	0.5	-25.6%	45.4%
NKTR	Nektar Therapeutics	0.6	-25.1%	215.0%
LW	Lamb Weston	6.0	-24.8%	-34.8%

Peer Comparisons for American International

Peers to compare with:

Financials

	AIG	MET	PRU	CB	ALL	TRV	Median
Name	American.	MetLife	Prudenti.	Chubb	Allstate	Traveler.
Mkt Price	85.92	81.03	114.50	313.30	209.02	293.69	161.76
Mkt Cap	47.5	53.9	40.7	124.5	55.0	65.8	54.4
Rev LTM	27,390	70,760	57,926	58,900	66,206	48,409	58,413
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	2,803	14,627	5,274	13,321	8,636	9,985	9,310
FCF 3Y Avg	4,120	13,545	5,781	13,409	6,855	8,682	7,768
CFO LTM	2,803	14,627	5,274	13,321	8,826	9,985	9,406
CFO 3Y Avg	4,120	13,545	5,781	13,409	7,083	8,682	7,883

Growth & Margins

	AIG	MET	PRU	CB	ALL	TRV	Median
Name	American.	MetLife	Prudenti.	Chubb	Allstate	Traveler.
Rev Chg LTM	2.9%	0.2%	-21.0%	6.7%	6.9%	6.7%	4.8%
Rev Chg 3Y Avg	9.8%	1.3%	1.9%	12.2%	10.1%	10.1%	10.0%
Rev Chg Q	-5.2%	-7.7%	-8.2%	8.2%	3.4%	4.8%	-0.9%
QoQ Delta Rev Chg LTM	-1.3%	-2.0%	-2.7%	2.2%	0.9%	1.2%	-0.2%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	10.2%	20.7%	9.1%	22.6%	13.3%	20.6%	17.0%
CFO/Rev 3Y Avg	21.6%	19.6%	9.4%	24.8%	11.4%	19.4%	19.5%
FCF/Rev LTM	10.2%	20.7%	9.1%	22.6%	13.0%	20.6%	16.8%
FCF/Rev 3Y Avg	21.6%	19.6%	9.4%	24.8%	11.0%	19.4%	19.5%

Valuation

	AIG	MET	PRU	CB	ALL	TRV	Median
Name	American.	MetLife	Prudenti.	Chubb	Allstate	Traveler.
Mkt Cap	47.5	53.9	40.7	124.5	55.0	65.8	54.4
P/S	1.7	0.8	0.7	2.1	0.8	1.4	1.1
P/EBIT	9.2	9.0	-	9.5	5.0	8.6	9.0
P/E	14.6	14.0	15.6	12.9	6.6	11.2	13.4
P/CFO	17.0	3.7	7.7	9.3	6.2	6.6	7.2
Total Yield	8.9%	9.9%	11.1%	9.0%	17.1%	9.7%	9.8%
Dividend Yield	2.0%	2.8%	4.7%	1.2%	1.8%	0.7%	1.9%
FCF Yield 3Y Avg	9.2%	25.3%	15.0%	12.9%	14.8%	17.2%	14.9%
D/E	0.2	0.4	0.5	0.1	0.1	0.1	0.2
Net D/E	-0.6	-1.8	-1.2	-0.2	-0.0	-1.4	-0.9

Returns

	AIG	MET	PRU	CB	ALL	TRV	Median
Name	American.	MetLife	Prudenti.	Chubb	Allstate	Traveler.
1M Rtn	15.1%	7.0%	5.7%	5.6%	-1.2%	0.4%	5.6%
3M Rtn	12.0%	1.7%	13.1%	12.9%	0.1%	7.5%	9.8%
6M Rtn	2.2%	2.8%	10.1%	11.2%	8.7%	12.6%	9.4%
12M Rtn	20.5%	1.4%	1.0%	14.8%	9.0%	22.9%	11.9%
3Y Rtn	45.4%	23.0%	33.5%	48.9%	64.4%	64.1%	47.2%
1M Excs Rtn	11.6%	4.4%	3.4%	2.9%	-4.5%	-2.0%	3.2%
3M Excs Rtn	7.1%	-3.3%	8.1%	8.0%	-4.9%	2.6%	4.8%
6M Excs Rtn	-10.5%	-10.0%	-2.8%	-1.7%	-4.2%	-0.3%	-3.5%
12M Excs Rtn	4.0%	-14.4%	-14.7%	-0.7%	-6.8%	7.1%	-3.7%
3Y Excs Rtn	-31.6%	-56.6%	-44.7%	-27.2%	-10.4%	-12.1%	-29.4%

FDIC Bank Data

Bank Capital

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Bank Deposits

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Bank Assets

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Bank Loans

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FDA Approved Drugs Data

Expand for Morenull

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	9/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	11/5/2025	2/13/2025	2/14/2024	2/17/2023	2/17/2022	2/19/2021	2/21/2020
Key Financials
Total Revenue	27,390	27,270	27,959	29,975	51,985	43,839	49,792
Net Income	3,259	-1,404	3,643	10,227	10,367	-5,944	3,348
EPS	5.60	-2.19	5.02	13.10	12.10	-6.88	3.79
Growth Rates
Total Revenue Growth	2.9%	-2.5%	-6.7%	-42.3%	18.6%	-12.0%	4.9%
Net Income Growth	247.5%	-138.5%	-64.4%	-1.4%	274.4%	-277.5%	55900.0%
Margins
Net Income Margin	11.9%	-5.1%	13.0%	34.1%	19.9%	-13.6%	6.7%
Cash & Debt
Total Cash	36,886	37,407	79,647	240,575	292,757	292,526	267,172
Total Debt	9,243	8,922	10,606	27,179	30,163	37,534	35,350
Net Debt / (Cash)	-27,643	-28,485	-69,041	-213,396	-262,594	-254,992	-231,822
Cash Flows
Net Cash from Operations	2,803	3,273	6,243	4,134	6,223	1,038	-1,807
Free Cash from Operations	2,803	3,273	6,243	4,134	6,223	1,038	-1,807
Returns to Shareholders
Dividends	978	1,024	1,026	1,011	1,112	1,132	1,136
Share Repurchases	7,074	7,137	2,961	5,200	2,592	500	-0

$ Mil \| FY: 12/31	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Period End	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022
Filing Date	11/5/2025	8/7/2025	5/2/2025	2/13/2025	11/7/2024	8/1/2024	5/2/2024	2/14/2024	11/2/2023	8/2/2023	5/5/2023	2/17/2023
Key Financials Quarterly
Total Revenue	6,402	7,041	6,774	7,173	6,755	6,569	6,773	6,526	7,280	7,434	11,047	-12,677
Net Income	519	1,144	698	898	459	-3,977	1,216	93	2,027	1,493	30	552
EPS	0.94	2.00	1.18	1.48	0.72	-6.02	1.75	0.12	2.83	2.05	0.03	0.88
Key Financials TTM
Total Revenue TTM	27,390	27,743	27,271	27,270	26,623	27,148	28,013	32,287	13,084	19,852	26,129	30,053
Net Income TTM	3,259	3,199	-1,922	-1,404	-2,209	-641	4,829	3,643	4,102	4,823	6,084	10,227
Growth Rates Quarterly
Total Revenue Growth	-5.2%	7.2%	0.0%	9.9%	-7.2%	-11.6%	-38.7%	151.5%	-48.2%	-45.8%	-26.2%	-189.6%
Net Income Growth	13.1%	128.8%	-42.6%	865.6%	-77.4%	-366.4%	3953.3%	-83.2%	-26.2%	-45.8%	-99.3%	-88.3%
Margins Quarterly
Net Income Margin	8.1%	16.2%	10.3%	12.5%	6.8%	-60.5%	18.0%	1.4%	27.8%	20.1%	0.3%	-
Cash & Debt
Total Cash	36,886	35,918	34,483	37,407	32,976	32,911	93,947	79,647	83,887	81,642	84,220	240,575
Total Debt	9,243	9,258	8,753	8,922	10,054	9,940	21,935	10,606	24,055	24,145	26,044	27,179
Net Debt / (Cash)	-27,643	-26,660	-25,730	-28,485	-22,922	-22,971	-72,012	-69,041	-59,832	-57,497	-58,176	-213,396
Cash Flows Quarterly
FCF from Operations	1,343	1,391	-56	125	1,699	928	521	1,619	3,513	614	497	167
Cash Flows TTM
FCF from Operations TTM	2,803	3,159	2,696	3,273	4,767	6,581	6,267	6,243	4,791	4,647	4,592	4,134
Returns to Shareholders Quarterly
Dividends	246	254	234	244	254	261	243	249	254	260	234	236
Share Repurchases	1,245	1,778	2,229	1,822	1,505	1,685	2,125	1,034	810	540	577	802
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
North America Commercial	10,233
International Commercial	7,964
Global Personal	6,894
Net investment income	3,446
Net results of businesses in run-off	475
Other income	6			49	46
Net impact from elimination of international reporting lag	3
Elimination and consolidations	-5
Net realized gains (losses)	-1,078			-148	395
General Insurance		28,361	28,361	26,587	29,882
Life and Retirement		19,574	19,594	17,275	16,356
Other Operations		347	347	823	3,060
Changes in the fair value of equity securities				200	158
Changes in the fair values of equity securities and American International Group, Inc (AIG's)				56	228
Net investment income on Fortitude Re funds withheld assets				1,053
Net realized gains (losses) on Fortitude Re funds withheld embedded derivative				-2,645
Net realized losses on Fortitude Re funds withheld assets				463
Non-operating litigation reserves and settlements				23	9
American International Group Consolidation and elimination					-388
Total	27,938	48,282	48,302	43,736	49,746

Price Behavior

Price Behavior

Market Price	$86.52
Market Cap ($ Bil)	47.9
First Trading Date	09/07/1984
Distance from 52W High	-0.1%
	50 Days	200 Days
DMA Price	$78.82	$80.27
DMA Trend	indeterminate	indeterminate
Distance from DMA	9.8%	7.8%
	3M	1YR
Volatility	26.2%	24.6%
Downside Capture	-15.67	26.58
Upside Capture	44.23	41.68
Correlation (SPY)	9.0%	43.2%

AIG Betas & Captures as of 11/30/2025

	1M	2M	3M	6M	1Y	3Y
Beta	-0.30	0.18	0.22	0.34	0.56	0.69
Up Beta	-0.21	0.08	0.25	0.70	0.71	0.79
Down Beta	-0.79	0.64	0.51	0.40	0.66	0.73
Up Capture	-48%	-10%	-10%	2%	23%	28%
Bmk +ve Days	12	25	38	73	141	426
Stock +ve Days	8	21	31	61	128	405
Down Capture	-12%	13%	26%	43%	48%	85%
Bmk -ve Days	7	16	24	52	107	323
Stock -ve Days	10	18	29	61	117	339

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Based On 1-Year Data

		Comparison of AIG With Other Asset Classes (Last 1Y)
	AIG	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	24.3%	18.3%	19.2%	71.9%	8.9%	6.0%	-10.1%
Annualized Volatility	24.5%	19.0%	19.5%	19.3%	15.3%	17.1%	35.0%
Sharpe Ratio	0.83	0.75	0.78	2.69	0.36	0.18	-0.12
Correlation With Other Assets		64.0%	43.3%	3.2%	18.5%	48.3%	7.3%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data

		Comparison of AIG With Other Asset Classes (Last 5Y)
	AIG	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	20.4%	16.3%	14.9%	18.7%	11.7%	4.8%	32.7%
Annualized Volatility	26.9%	18.9%	17.1%	15.5%	18.7%	18.9%	48.7%
Sharpe Ratio	0.70	0.72	0.70	0.97	0.51	0.17	0.60
Correlation With Other Assets		76.3%	53.0%	0.5%	21.2%	42.6%	19.2%

Based On 10-Year Data

		Comparison of AIG With Other Asset Classes (Last 10Y)
	AIG	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	6.2%	13.0%	14.7%	14.9%	6.9%	5.2%	69.3%
Annualized Volatility	32.5%	22.3%	18.0%	14.8%	17.6%	20.8%	55.8%
Sharpe Ratio	0.27	0.54	0.70	0.83	0.31	0.22	0.90
Correlation With Other Assets		78.3%	61.9%	-3.3%	28.8%	53.9%	16.3%

Short Interest

Short Interest: As Of Date	12152025
Short Interest: Shares Quantity	14,221,251
Short Interest: % Change Since 11302025	-4.6%
Average Daily Volume	5,993,382
Days-to-Cover Short Interest	2.37
Basic Shares Quantity	553,308,504
Short % of Basic Shares	2.6%

Returns Analyses

	Title
0	Can American International Stock Hold Up When Markets Turn?
1	AIG YTD Stock Return Of -100% Underperforms MET by 0% and Underperforms MET by 0%
2	American International Stock Return Comparison
3	American International Total Shareholder Return (TSR): 13.4% in 2022 and 9.9% 3-yr returns (above peer average)

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
11/4/2025	-5.4%	-5.6%	-4.6%
8/6/2025	-3.1%	1.0%	0.2%
5/1/2025	3.5%	1.2%	6.1%
2/11/2025	1.2%	-0.9%	7.4%
11/4/2024	-1.2%	-1.2%	-0.5%
7/31/2024	-5.5%	-10.9%	-3.9%
5/1/2024	3.0%	5.4%	4.0%
2/13/2024	-1.3%	-2.0%	8.7%
...
SUMMARY STATS
# Positive	15	14	15
# Negative	9	10	9
Median Positive	2.7%	3.7%	7.4%
Median Negative	-3.1%	-2.3%	-4.6%
Max Positive	7.8%	14.5%	38.1%
Max Negative	-7.5%	-10.9%	-46.8%

	Forward Returns
11/4/2025	-5.4%	-5.6%	-4.6%
8/6/2025	-3.1%	1.0%	0.2%
5/1/2025	3.5%	1.2%	6.1%
2/11/2025	1.2%	-0.9%	7.4%
11/4/2024	-1.2%	-1.2%	-0.5%
7/31/2024	-5.5%	-10.9%	-3.9%
5/1/2024	3.0%	5.4%	4.0%
2/13/2024	-1.3%	-2.0%	8.7%
11/1/2023	3.7%	0.9%	6.3%
8/1/2023	1.5%	1.9%	-3.4%
5/4/2023	7.8%	5.9%	8.7%
2/15/2023	0.5%	-2.5%	-23.1%
11/1/2022	0.4%	3.6%	10.6%
8/8/2022	2.4%	8.6%	2.7%
5/3/2022	7.4%	-1.4%	-2.3%
2/16/2022	1.7%	0.1%	1.7%
11/4/2021	-2.4%	-2.5%	-9.3%
8/5/2021	4.7%	10.7%	13.2%
5/6/2021	2.0%	1.4%	5.8%
2/16/2021	2.7%	5.3%	13.8%
10/26/2020	-0.3%	3.8%	31.1%
8/3/2020	-7.5%	-2.1%	-9.3%
5/4/2020	4.1%	14.5%	38.1%
2/13/2020	-6.2%	-8.3%	-46.8%
SUMMARY STATS
# Positive	15	14	15
# Negative	9	10	9
Median Positive	2.7%	3.7%	7.4%
Median Negative	-3.1%	-2.3%	-4.6%
Max Positive	7.8%	14.5%	38.1%
Max Negative	-7.5%	-10.9%	-46.8%

SEC Filings

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Report Date	Filing Date	Filing
9302025	11052025	10-Q 9/30/2025
6302025	8072025	10-Q 6/30/2025
3312025	5022025	10-Q 3/31/2025
12312024	2132025	10-K 12/31/2024
9302024	11072024	10-Q 9/30/2024
6302024	8012024	10-Q 6/30/2024
3312024	5022024	10-Q 3/31/2024
12312023	2142024	10-K 12/31/2023
9302023	11022023	10-Q 9/30/2023
6302023	8022023	10-Q 6/30/2023
3312023	5052023	10-Q 3/31/2023
12312022	2172023	10-K 12/31/2022
9302022	11022022	10-Q 9/30/2022
6302022	8092022	10-Q 6/30/2022
3312022	5052022	10-Q 3/31/2022
12312021	2172022	10-K 12/31/2021

Insider Activity

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Industry Resources

Financials Resources

Federal Reserve Economic Data

Multi-line Insurance Resources

Insurance Business America

A.M. Best

National Underwriter

Insurance News

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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American International (AIG)

Market Price (12/25/2025): $85.92 | Market Cap: $47.5 BilSector: Financials | Industry: Multi-line Insurance

American International (AIG)

Market Price (12/25/2025): $85.92Market Cap: $47.5 BilSector: FinancialsIndustry: Multi-line Insurance

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Market Price (12/25/2025): $85.92 | Market Cap: $47.5 Bil
Sector: Financials | Industry: Multi-line Insurance

Market Price (12/25/2025): $85.92
Market Cap: $47.5 Bil
Sector: Financials
Industry: Multi-line Insurance