American International Group, I (AIG) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

American International Group, I

NYSE•Financial Services•Insurance - Diversified

$75.68-0.39(-0.01%)After hours

Market Cap

$40.08B

P/E

13.5x

P/S

1.5x

P/B

1.0x

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.

How this company scores

GoodMetricSide Score: 69/100

Strongest: Cash & Earnings Quality (24/25); weakest: Profitability (13/25).

Profitability13/25

Growth17/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality24/25

Strengths

Growing revenueRising free cash flowInterest easily coveredCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.5x5y range 2.6x – 15.3x

Currently above its 16-quarter median.

P/S · 1.5x5y range 0.6x – 2.4x

Currently above its 20-quarter median.

P/B · 1.0x5y range 0.7x – 1.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 37.3% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $40.08B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $26.64B
Q. Revenue: $7.08B
TTM EBITDA: $3.63B
TTM Op. Income: $3.63B
Q. Op. Income: $1.26B
TTM Net Income: $2.96B
Q. Net Income: $948.00M
EPS: $1.79
Shares Out.: $529.54M

$26.64B in TTM revenue grew 21.1% YoY, reaching $7.08B last quarter. TTM EBITDA of $3.63B and TTM operating income of $3.63B show growth is flowing through to the bottom line. TTM net income of $2.96B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 17.8%
Op. Margin: 17.8%
Net Margin: 13.4%

Op. margin of 17.8% is down 3.9% YoY — costs are rising relative to revenue. Net margin at 13.4% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.5x
P/S Ratio: 1.5x
P/B Ratio: 1.0x

At 13.5x P/E, the stock trades below typical market levels. P/S of 1.5x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 12% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $163.46B
Cash: $1.56B
Long-Term Debt: N/A
Book Value: $40.61B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.72B
TTM Free Cash Flow: $3.85B
FCF Margin: 14.5%
FCF / Net Income: 1.3

TTM FCF of $3.85B on $1.72B in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.