Fundamental analysis · SEC EDGAR · TTM through 31/03/2026

Fundamental analysis of American International Group, Inc.

AIG · NYSE · Financial

Fundamental quality

DEMANDING

35

out of 100

American International Group, Inc. is a mature, stable business: it earns money solidly (net margin 11.9%) but grows slowly (-9% a year). On fundamental quality it scores 35 out of 100, profiling it as a company with demanding fundamentals. Its weakest area is its growth (revenue -9%/yr). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.

What the company does

AIG is one of the world's big commercial insurers: it covers corporate risks — factories, executives, catastrophes, cyberattacks — across dozens of countries. After starring in 2008's most famous bailout, it spent a decade slimming down to its core: corporate insurance.

What will shape its future

  • Underwriting discipline: its rebuild is judged by insuring at a profit, not by growing.
  • The commercial-insurance pricing cycle, which decides when the sector truly makes money.
  • Natural catastrophes, the dice that can twist any year's results.

Breakdown by area

I.Growth
8

EPS growth: -16.1% · Revenue growth: -9%

II.Profitability
61

Net margin: 11.9% · ROE: 7.8%

Source: SEC EDGAR · TTM through 31/03/2026

The score combines growth, profitability and financial strength. Here its profitability weighs in its favor, while its growth drags it down the most.

Versus its sector

Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).

Net marginbeats 35%
ROEbeats 17%
Growthbeats 0%

Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.

Key concepts

What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow

American International Group, Inc. strengths

  • It has turned profitable after years of losses.
  • It has cut its net debt over the period.
  • Solid net margin (11.9%): the business is clearly profitable.
  • Positive free cash flow year after year, a self-funding business.

American International Group, Inc. risks and weaknesses

  • Declining revenue (-9% annualized).
  • Declining earnings per share (-16.1% annualized).

American International Group, Inc. historical evolution

YearRevenueNet incomeFree cash flowNet debt
202043,736-5,94468534,304
202152,15710,3675,88027,736
202229,99610,2273,92427,108
202327,9383,6436,00320,814
202427,251-1,4047,550
202526,7753,0967,846

Between 2020 and 2025, revenue went from $43,736M to $26,775M (-39%) and net income went from -$5,944M to $3,096M (+152%). It has also reduced its net debt over the period.

Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.

Latest results

Versus the same period a year earlier

Figures for the quarter ended March 31, 2026, versus the quarter ended March 31, 2025 (SEC filings):

  • Revenue-2%
  • Net income+9.3%

Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.

Dividend

$1.75

per share, yearly

31.5% of earnings

Payout

3 straight years raising it

Growth

The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →

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Is American International Group, Inc. cheap or expensive?

That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).

Compute the valuation →

Frequently asked questions

Is American International Group, Inc. a good company to invest in?

In terms of business quality, American International Group, Inc. scores 35 out of 100 in our analysis, placing it as a company with demanding fundamentals. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.

Is American International Group, Inc. a profitable company?

Yes. American International Group, Inc. shows a net margin of 11.9% and an ROE of 7.8%, a sign of a profitable business.

Is American International Group, Inc. growing?

Its revenue has fallen 9% annualized in recent years.

The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.

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