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Investment Highlights Market Valuation Price Chart Business Description Interactive Breakdown Latest Trefis Analyses Better Bets vs. AIG Recent Active Movers More From Trefis Peer Financials Peer Growth & Margins Peer Valuation Peer Returns Peer Analyses FDIC Bank Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Industry Resource Links External Quote Links

American International (AIG)

Market Price (9/17/2025): $76.345 | Market Cap: $43.7 Bil
Sector: Financials | Industry: Multi-line Insurance

American International (AIG)

Market Price (9/17/2025): $76.345
Market Cap: $43.7 Bil
Sector: Financials
Industry: Multi-line Insurance

Investment Highlights

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.6%, Dividend Yield is 2.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.1%, FCF Yield is 7.2%		 Weak multi-year price returns
2Y Excs Rtn is -16%, 3Y Excs Rtn is -13%		 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -8.5%
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 -61%		  
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 11%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 11%, CFO LTM is 3.2 Bil, FCF LTM is 3.2 Bil		  
3 Low stock price volatility
Vol 12M is 23%		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.6%, Dividend Yield is 2.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.1%, FCF Yield is 7.2%
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 -61%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 11%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 11%, CFO LTM is 3.2 Bil, FCF LTM is 3.2 Bil
3 Low stock price volatility
Vol 12M is 23%
4 Weak multi-year price returns
2Y Excs Rtn is -16%, 3Y Excs Rtn is -13%
5 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -8.5%

Market Valuation

 9/17/252024202320222021
Share Price CYE$76.34$71.65$65.28$59.46$52.27
Market Cap CYE ($ Bil)43.744.545.844.343.6
Total Debt ($ Bil)9.38.910.627.230.2
Total Cash ($ Bil)1.81.31.52.02.2
Enterprise Value ($ Bil)51.253.456.471.573.8
Valuation Ratios     
P/S TTM1.61.71.71.60.9
P/EBIT TTM8.610.914.411.23.3
P/E TTM13.7-33.813.44.84.7
Sector Ratios     
P/S TTM (Sector)3.23.12.82.83.4
P/EBIT TTM (Sector)7.16.97.17.17.0
P/E TTM (Sector)12.911.610.19.410.0
 9/17/2520242023
Share Price CYE$76.34$71.65$65.28
Market Cap CYE ($ Bil)43.744.545.8
Total Debt ($ Bil)9.38.910.6
Total Cash ($ Bil)1.81.31.5
Enterprise Value ($ Bil)51.253.456.4
Valuation Ratios   
P/S TTM1.61.71.7
P/EBIT TTM8.610.914.4
P/E TTM13.7-33.813.4
Sector Ratios   
P/S TTM (Sector)3.23.12.8
P/EBIT TTM (Sector)7.16.97.1
P/E TTM (Sector)12.911.610.1

Market Cap Chart

Business Description

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. Show more

Price Returns Compared

Expand for Detailed View

 202020212022202320242025Total [1]
Returns
AIG Return-23%54%14%10%10%7%78%
Peers Return-5%30%14%5%31%6%104%
S&P 500 Return16%27%-19%24%23%12%104%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: TRV, MET, ALL, PRU, HIG. See AIG Returns vs. Peers.
[3] 2025 data is for the year up to 9/16/2025 (YTD)

Interactive Breakdown

American International Interactive Breakdown Analysis

Better Bets than American International (AIG)

 AIGBetter Performance than AIG
MetricValueIndustry (Multi-line Insurance)
Rev Chg LTM2.2%SLF (23.0%), L (8.0%), BNT (54.3%), AFG (3.6%), AIZ (6.4%)
Rev Chg 3Y Avg-8.5%SLF (53.4%), L (9.3%), BNT (81.2%), AFG (9.9%), AIZ (6.5%)
CFO/Rev LTM11.4%SLF (12.3%), L (20.3%), AFG (20.1%), KMPR (12.3%), HMN (38.5%)
FCF/Rev LTM11.4%SLF (11.9%), L (17.3%), AFG (20.1%), KMPR (11.6%), HMN (38.5%)
Total Yield9.6%SLF (10.1%), AFG (13.2%), LNC (20.7%), KMPR (12.6%), HMN (10.4%)
 AIGBetter Performance than AIG
MetricValueAll Other Sectors
Rev Chg LTM2.2%NVDA (71.6%), MSFT (14.9%), AAPL (6.0%), GOOGL (13.1%), AMZN (10.9%)
Rev Chg 3Y Avg-8.5%NVDA (92.0%), MSFT (12.5%), AAPL (1.8%), GOOGL (10.2%), AMZN (11.3%)
CFO/Rev LTM11.4%NVDA (46.6%), MSFT (48.3%), AAPL (26.6%), GOOGL (36.0%), AMZN (18.1%)
FCF/Rev LTM11.4%NVDA (43.6%), MSFT (25.4%), AAPL (23.5%), GOOGL (18.0%), META (30.7%)
Total Yield9.6%XOM (9.7%), BABA (38.9%), TM (2104.3%), MRK (12.0%), VZ (16.0%)

Latest Trefis Analyses

TitleTopicDate
0DASHBOARDS  
1AIG Dip Buy Analysis  
2American International Total Shareholder Return (TSR): 11.6% in 2024 and 13.1% 3-yr compounded annual returns (below peer average)  
3American International (AIG) Operating Cash Flow ComparisonFinancials 
4American International (AIG) Net Income ComparisonFinancials 
5American International vs. S&P500 CorrelationCorrelation 
6American International Price VolatilityVolatility 
7Fundamental Metrics: ...  
8American International Group (AIG) Earnings Preview: AIG Stock Likely To Trade Higher Due To Strong FY 2023Q4 Results With Revenues And Earnings Beating ExpectationsBetter Bets 
9American International Group (AIG) Earnings Preview: AIG Stock Likely To Trade Higher Due To Strong FY 2023Q3 Results With Revenues And Earnings Beating ExpectationsBetter Bets 
10American International Group (AIG) Earnings Preview: AIG Stock Likely To Trade Higher Due To Strong FY 2023Q3 Results With Revenues And Earnings Beating ExpectationsBetter Bets 
11ARTICLES  
12How Will AIG Stock React To Its Upcoming Earnings? August 4th, 2025
13American International Group Stock Up 7% Over Last Year, What’s Next? January 6th, 2025
14American International Group Stock Is Up 9% YTD, What’s Next? June 20th, 2024
15Up 14% In The Last Twelve Months, What To Expect From American International Group Stock In Q4? February 13th, 2024
16Up 9% In The Last One Month, Where Is American International Group Stock Headed? November 29th, 2023
Title
0DASHBOARDS
1How Will AIG Stock React To Its Upcoming Earnings?
2American International Group Stock Up 7% Over Last Year, What’s Next?
3American International Group Stock Is Up 9% YTD, What’s Next?
4Up 14% In The Last Twelve Months, What To Expect From American International Group Stock In Q4?
5Up 9% In The Last One Month, Where Is American International Group Stock Headed?
6ARTICLES
7AIG Dip Buy Analysis
8American International Total Shareholder Return (TSR): 11.6% in 2024 and 13.1% 3-yr compounded annual returns (below peer average)
9American International (AIG) Operating Cash Flow Comparison
10American International (AIG) Net Income Comparison
11American International vs. S&P500 Correlation
12American International Price Volatility
13Fundamental Metrics: ...
14American International Group (AIG) Earnings Preview: AIG Stock Likely To Trade Higher Due To Strong FY 2023Q4 Results With Revenues And Earnings Beating Expectations
15American International Group (AIG) Earnings Preview: AIG Stock Likely To Trade Higher Due To Strong FY 2023Q3 Results With Revenues And Earnings Beating Expectations
16American International Group (AIG) Earnings Preview: AIG Stock Likely To Trade Higher Due To Strong FY 2023Q3 Results With Revenues And Earnings Beating Expectations

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Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1BDSXBiodesix1313.2%-78.6%
2CLSDClearside Biomedical954.0%-74.9%
3SDOTSadot624.1%-79.4%
4WLDSWearable Devices498.0%-30.0%
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6ATCHAtlasClear275.9%-91.0%
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8OPIOffice Properties Income Trust261.7%-13.4%
9FGIFGI Industries156.8%145.2%
10AIREReAlpha Tech154.0%-56.1%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1NAKAKindly MD-81.4% 
2ATYRaTyr Pharma-79.7%-70.2%
3LGCLLucas GC-73.6%-77.1%
4EPSMEpsium Enterprise-70.1% 
5BNGOBionano Genomics-59.4%-89.7%
6FAASDigiAsia-58.5%-87.2%
7QMMMQMMM-57.5%6775.0%
8VCIGVCI Global-56.9%-99.1%
9YYGHYY-56.6%-78.5%
10XAGELongevity Health-55.5%-86.1%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for American International

Financials

AIGTRVMETALLPRUHIGMedian
NameAmerican.Traveler.MetLife Allstate Prudenti.Hartford. 
Mkt Price76.34271.9578.73196.30102.15129.65115.90
Mkt Cap43.761.452.851.936.236.847.8
Rev LTM27,74347,84372,07866,21460,62027,25954,232
Op Inc LTM-------
FCF LTM3,1599,63315,2298,5387755,6907,114
FCF 3Y Avg4,7968,10113,7936,4175,8884,8166,152
CFO LTM3,1599,63315,2298,7437755,8287,286
CFO 3Y Avg4,7968,10113,7936,6715,8885,0036,279

Growth & Margins

AIGTRVMETALLPRUHIGMedian
NameAmerican.Traveler.MetLife Allstate Prudenti.Hartford. 
Rev Chg LTM2.2%8.5%5.9%9.8%-0.2%7.8%6.8%
Rev Chg 3Y Avg-8.5%10.2%6.0%9.7%-2.8%8.1%7.1%
Rev Chg Q7.2%7.4%-1.8%5.7%-42.5%7.8%6.4%
QoQ Delta Rev Chg LTM1.7%1.8%-0.4%1.4%-14.2%1.9%1.5%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM11.4%20.1%21.1%13.2%1.3%21.4%16.7%
CFO/Rev 3Y Avg19.7%18.5%19.7%10.9%9.7%19.6%19.0%
FCF/Rev LTM11.4%20.1%21.1%12.9%1.3%20.9%16.5%
FCF/Rev 3Y Avg19.7%18.5%19.7%10.5%9.7%18.9%18.7%

Valuation

AIGTRVMETALLPRUHIGMedian
NameAmerican.Traveler.MetLife Allstate Prudenti.Hartford. 
Mkt Cap43.761.452.851.936.236.847.8
P/S1.61.30.70.80.61.31.0
P/EBIT8.68.97.86.8-8.68.6
P/E13.711.712.38.915.811.312.0
P/CFO13.86.43.55.946.76.36.3
Total Yield9.6%9.3%11.0%13.1%11.6%10.4%10.7%
Dividend Yield2.3%0.8%2.9%1.9%5.2%1.6%2.1%
FCF Yield 3Y Avg10.3%16.6%28.1%15.5%15.6%16.3%16.0%
D/E0.20.10.40.20.60.10.2
Net D/E-0.6-1.4-1.8-0.0-1.3-0.5-1.0

Returns

AIGTRVMETALLPRUHIGMedian
NameAmerican.Traveler.MetLife Allstate Prudenti.Hartford. 
1M Rtn-4.0%2.8%1.8%-4.6%-3.6%-0.3%-1.9%
3M Rtn-8.8%3.3%1.9%-0.5%0.1%3.7%1.0%
6M Rtn-8.1%5.2%-2.1%-3.5%-4.5%9.9%-2.8%
12M Rtn6.8%14.1%4.7%5.0%-9.0%13.0%5.9%
3Y Rtn52.1%77.5%32.7%63.0%28.8%110.5%57.5%
1M Excs Rtn-6.5%0.4%-0.6%-7.0%-6.0%-2.7%-4.4%
3M Excs Rtn-19.6%-6.5%-8.3%-10.7%-10.9%-6.1%-9.5%
6M Excs Rtn-24.4%-13.0%-19.1%-22.1%-21.4%-7.9%-20.3%
12M Excs Rtn-10.9%0.0%-10.8%-10.5%-25.6%-3.6%-10.6%
3Y Excs Rtn-13.3%13.1%-34.8%4.4%-42.3%42.9%-4.5%

Financials

$ Mil | FY: 12/312025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q3
Period End6/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/20233/31/202312/31/20229/30/2022
Filing Date8/7/20255/2/20252/13/202511/7/20248/1/20245/2/20242/14/202411/2/20238/2/20235/5/20232/17/202311/2/2022
Key Financials Quarterly            
Total Revenue7,0416,7747,1736,7556,5696,7736,5267,2807,43411,047-12,67714,048
Net Income1,144698898459-3,9771,216932,0271,493305522,748
EPS2.001.181.480.72-6.021.750.122.832.050.030.883.59
Key Financials TTM            
Total Revenue TTM27,74327,27127,27026,62327,14828,01332,28713,08419,85226,12930,05356,881
Net Income TTM3,199-1,922-1,404-2,209-6414,8293,6434,1024,8236,08410,22714,400
Growth Rates Quarterly            
Total Revenue Growth7.2%0.0%9.9%-7.2%-11.6%-38.7%151.5%-48.2%-45.8%-26.2%-189.6%9.7%
Net Income Growth128.8%-42.6%865.6%-77.4%-366.4%3953.3%-83.2%-26.2%-45.8%-99.3%-88.3%64.8%
Margins Quarterly            
Net Income Margin16.2%10.3%12.5%6.8%-60.5%18.0%1.4%27.8%20.1%0.3%-19.6%
Cash & Debt            
Total Cash35,91834,48337,40732,97632,91193,94779,64783,88781,64284,220240,57578,512
Total Debt9,2588,7538,92210,0549,94021,93510,60624,05524,14526,04427,17930,430
Net Debt / (Cash)-26,660-25,730-28,485-22,922-22,971-72,012-69,041-59,832-57,497-58,176-213,396-48,082
Cash Flows Quarterly            
FCF from Operations1,391-561251,6999285211,6193,5136144971673,369
Cash Flows TTM            
FCF from Operations TTM3,1592,6963,2734,7676,5816,2676,2434,7914,6474,5924,1344,426
Returns to Shareholders Quarterly            
Dividends254234244254261243249254260234236240
Share Repurchases1,7782,2291,8221,5051,6852,1251,0348105405778021,293
Return on Invested Capital (ROIC) Quarterly            
ROIC------------
Return on Invested Capital (ROIC) TTM            
ROIC TTM------------

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
North America Commercial10,23310,444   
International Commercial7,9647,701   
Global Personal6,8947,195   
Net investment income3,4462,370   
Net results of businesses in run-off475478   
Other income634-244946
Net impact from elimination of international reporting lag310   
Elimination and consolidations-510   
Net realized gains (losses)-1,0788271,585-148395
Changes in the fair value of equity securities  -237200158
Changes in the fair values of equity securities and American International Group, Inc (AIG's)  6056228
General Insurance  28,36126,58729,882
Life and Retirement  19,59417,27516,356
Net investment income on Fortitude Re funds withheld assets  1,9711,053 
Net realized gains (losses) on Fortitude Re funds withheld embedded derivative  -603-2,645 
Net realized losses on Fortitude Re funds withheld assets  1,003463 
Other Operations  3478233,060
Non-operating litigation reserves and settlements   239
American International Group Consolidation and elimination    -388
Total27,93829,06952,05743,73649,746


Price Behavior

AIG Betas & Captures as of 8/31/2025

 1M2M3M6M1Y3Y
Beta0.580.330.560.650.620.75
Up Beta0.720.531.090.710.710.85
Down Beta0.17-0.080.320.740.650.74
Up Capture86%1%17%39%39%40%
Bmk +ve Days10223571142415
Stock +ve Days12183064127410
Down Capture29%84%72%62%61%88%
Bmk -ve Days11192754106334
Stock -ve Days9223160120336

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

Short Interest

Short Interest: As Of Date8292025
Short Interest: Shares Quantity9,850,152
Short Interest: % Change Since 815202514.8%
Average Daily Volume3,443,743
Days-to-Cover Short Interest2.86
Basic Shares Quantity572,817,409
Short % of Basic Shares1.7%

Returns Analyses

Earnings Returns History

Expand for More

 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
8/6/2025-3.1%1.0%0.2%
5/1/20253.5%1.2%6.1%
2/11/20251.2%-0.9%7.4%
11/4/2024-1.2%-1.2%-0.5%
7/31/2024-5.5%-10.9%-3.9%
5/1/20243.0%5.4%4.0%
2/13/2024-1.3%-2.0%8.7%
11/1/20233.7%0.9%6.3%
...
SUMMARY STATS   
# Positive161515
# Negative899
Median Positive2.6%3.8%7.4%
Median Negative-2.7%-2.1%-3.9%
Max Positive7.8%14.5%38.1%
Max Negative-7.5%-10.9%-46.8%

SEC Filings

Expand for More

Report DateFiling DateFiling
6302025807202510-Q 6/30/2025
3312025502202510-Q 3/31/2025
12312024213202510-K 12/31/2024
93020241107202410-Q 9/30/2024
6302024801202410-Q 6/30/2024
3312024502202410-Q 3/31/2024
12312023214202410-K 12/31/2023
93020231102202310-Q 9/30/2023
6302023802202310-Q 6/30/2023
3312023505202310-Q 3/31/2023
12312022217202310-K 12/31/2022
93020221102202210-Q 9/30/2022
6302022809202210-Q 6/30/2022
3312022505202210-Q 3/31/2022
12312021217202210-K 12/31/2021
93020211105202110-Q 9/30/2021

Insider Activity

Expand for More

 OwnerTitleFiling DateActionPriceSharesTransacted
Value		Value of
Held Shares		Form
0Inglis John C 8082025Buy77.0465350,307204,285Form
1Wade Claude E.EVP, Chief Dig Off & Hd of Ops5062025Sell83.5722,4561,876,733850,865Form
2Twiningdavis MelissaEVP, Chief Admin Officer5062025Sell83.269,321776,0722,864,248Form
3Inglis John C 4022025Buy78.5363549,867101,618Form
4RICE JOHN G 2182025Buy77.0010,000770,000770,000Form

Industry Resources

External Quote Links


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