AIG
American International Group
Financials · Multi-line Insurance · US
$76.36
✗ ETHICAL FAIL

NARROW MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$40.5B
Trailing P/E
13.40
Forward P/E
8.60
Rev Growth
+1.4%
Profit Margin
11.8%
ROE
7.7%
Analyst Target
$88.05
Recommendation
BUY
About American International Group

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.

Opportunity Summary
Trading at $76 against a fair value of $177, a 57% discount. Fails ethical screen (Business activity screen). Ranks better than 76% of screened stocks.
Ethical Screen
Business ActivityFAIL
Debt Ratio
Cash Ratio
Receivables Ratio
Revenue Ratio
OverallFAIL
Score Ethical: 10.0
Score Valuation: 95.0
Score Quality: 33.0
Score Combined: 44.5
Fair Value Est: $177.00 · Margin of Safety: +131.8% · Tier: AVOID

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality19.1
Cash Flow100.0
Moat70.0
Balance Sheet98.7
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: GOLD · Score: 80.3 · Rank: #68
Earnings History (Last 8 Quarters)
DateEPS Est.Reported EPSSurprise %
2026-08-061.93Pending--
2026-04-301.882.11+12.3%
2026-02-101.901.96+3.1%
2025-11-041.712.20+28.5%
2025-08-061.691.98+17.2%
2025-05-010.991.17+17.6%
2025-02-111.231.30+6.0%
2024-11-041.300.71-45.2%
Quarterly Financials
PeriodRevenueNet IncomeEBITDAGross ProfitOp. IncomeEPS
2026-03-31$6.6B$763.0M1.42
2025-12-31$6.6B$735.0M
2025-09-30$6.4B$519.0M0.94
2025-06-30$7.0B$1.1B2.00
2025-03-31$6.8B$698.0M1.18
2024-12-311.48
Insider Transactions
DateNameRoleSharesValue
2026-04-01NAVAGAMUWA ROSHANChief Technology Officer19,704--
2026-02-20HANCOCK JONATHAN LAWTONOfficer6,490--
2026-02-20FRY CHARLES ANTHONYOfficer2,108--
2026-02-20CARBONE KATHLEENOfficer2,109--
2026-02-20GLAZER ROSE MARIE EGeneral Counsel1,623--
2026-02-20SCHAPER CHRISTOPHEROfficer2,365--
2026-02-17NAVAGAMUWA ROSHANChief Technology Officer5,189--
2026-02-17FRY CHARLES ANTHONYOfficer27,446--
2026-02-17LAFNITZEGGER KELLYOfficer5,675--
2026-02-17TWININGDAVIS MELISSAOfficer5,675--
Top Institutional Holders
HolderSharesValue% Held
Blackrock Inc.46.7M$3.6B0.1%
Vanguard Capital Management LLC34.9M$2.7B0.1%
Wellington Management Group, LLP28.4M$2.2B0.1%
Vanguard Portfolio Management LLC27.2M$2.1B0.1%
State Street Corporation24.9M$1.9B0.0%
Harris Associates L.P.20.6M$1.6B0.0%
Price (T.Rowe) Associates Inc13.9M$1.1B0.0%
Invesco Ltd.12.9M$991.0M0.0%
Geode Capital Management, LLC12.5M$966.6M0.0%
Franklin Resources, Inc.11.7M$901.1M0.0%
Analyst Recommendations
3 Months Ago
2
6
14
22 analysts
2 Months Ago
2
6
14
22 analysts
Last Month
2
5
15
22 analysts
Current
2
6
14
22 analysts
Strong Buy Buy Hold Sell Strong Sell
Additional Fundamentals
Enterprise Value
$40.4B
Price/Book
1.02
Beta
0.541
Analysts
20
Total Revenue (TTM)
$26.7B
Total Debt
$9.2B
Earnings Growth
+21.6%
Dividend Yield
262.0%
Rec. Mean
2.36
Short Ratio
1.66
Short % Float
0.0%
Employees
22,100

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Trade Consideration
The Opportunity
Score 44.5 (P59 — top 41.3% of scored tickers). Narrow Moat. Ethical FAIL. 20 analysts at Buy.
Price: $76.36 | Target: $88.05 (+15%) | Fair Value: $177.00 (+132%)
Score
44
Moat
NARROW
Conviction
Standard
Upside
+15%
The Fundamentals
Revenue Growth+1.4%
Profit Margin0.0%
ROE7.7%
Forward P/E8.6
Market Cap$40.5B
Earnings Track Record
DateEstimateReportedSurprise
2026-08-06$1.93Pending
2026-04-30$1.88$2.11+12.3%
2026-02-10$1.90$1.96+3.1%
2025-11-04$1.71$2.20+28.5%
2025-08-06$1.69$1.98+17.2%
2025-05-01$0.99$1.17+17.6%
Position Sizing Scenarios
Stop: $64.91 (-15%) | Entry: $76.36
SharesCostProfit to TargetR:R
To Consensus ($88.05, 20 analysts)
10$763.60+$116.90 (15%)1.0R
50$3,818.00+$584.50 (15%)1.0R
100$7,636.00+$1,169.00 (15%)1.0R
To Fair Value ($177.00)
10$763.60+$1,006.40 (132%)8.8R
50$3,818.00+$5,032.00 (132%)8.8R
100$7,636.00+$10,064.00 (132%)8.8R
Risk Factors
  • No elevated risk flags in current data
The Verdict
American International Group holds a narrow competitive moat and trades at a 131.8% discount to fair value.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

C
Quant Score
48.0
Risk Grade
LOW_RISK
Layers
8
Quality: HMM_CRISIS,STRONG_EARNINGS_DRIFT
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.4%
worst expected daily loss, 19 in 20 days
CVaR 95%
-3.8%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
0.11
above 1.0 is good
Max Drawdown
-17.0%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
90
Liquidity Grade
HIGHLY LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
DEATH_CROSS
Bollinger Position
UPPER_HALF
Beta
Relative Volume
1.1x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
75.0%
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
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TRV0.606
Inverse Correlated
TickerCorrelation
INDF.JK-0.200
FRMI-0.184
BBLNF-0.167
4140.SR-0.152
SUKOON.AE-0.129
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Thursday
Worst Day
Tuesday
Best Month
Feb
Worst Month
Jan
Fri-Mon Effect
-0.20209704268817108
Earnings Drift

After this company beats earnings, does the price keep going up? Drift tracks post-earnings momentum.

Avg Drift After Beat
+2.7%
Beat Drift Positive %
80.0%
Consistency
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+2.7%
3M Return
-2.8%
6M Return
+3.1%
12M Return
-3.8%
Momentum Rank
#2635
Momentum Signal
FLAT

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