AIA Group (AAGIY) AI Stock Analysis

• Market Cap: $95.07B
• Dividend Yield: 2.54%
• Average Volume (3M): 12.29K
• Price to Earnings (P/E): 16.3
• Beta (1Y): 0.27
• Revenue Growth: 6.02%
• EPS Growth: 30.95%
• Country: US
• Employees: 23,000
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 0.95
• Shares Outstanding: 2,626,110,000
• 10 Day Avg. Volume: 14,203
• 30 Day Avg. Volume: 12,287
• PEG Ratio: 0.13
• Price to Book (P/B): 1.97
• Price to Sales (P/S): 3.92
• P/FCF Ratio: 26.34
• Enterprise Value/Market Cap: 1.21
• Enterprise Value/Revenue: 4.08
• Enterprise Value/Gross Profit: 4.52
• Enterprise Value/Ebitda: 16.08
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $40.00 ▲(7.73% Upside)

AIA Group's strong financial performance and positive earnings call are the primary drivers of its stock score. The company demonstrates robust growth in key metrics and strategic expansion, although technical indicators suggest caution. Valuation is fair, providing a moderate dividend yield.

AIA Group Business Overview & Revenue Model

Company Description

AIA Group Limited (AAGIY) is a leading pan-Asian life insurance group headquartered in Hong Kong. The company operates in multiple sectors, including life insurance, health insurance, and financial services, providing a wide range of products such as life, accident, and health insurance policies, as well as investment-linked products. AIA Group serves millions of customers across Asia, leveraging a robust distribution network and innovative digital solutions to meet the diverse needs of its clients.

How the Company Makes Money

AIA Group primarily generates revenue through the sale of life insurance policies, health insurance products, and investment-linked insurance products. The company earns premium income from policyholders, which constitutes a significant portion of its revenue. Additionally, AIA Group benefits from investment income generated from its substantial portfolio of assets, including equities, bonds, and real estate investments. The company also receives fees from asset management services related to its investment-linked products. AIA Group has formed strategic partnerships with various financial institutions, enhancing its distribution capabilities and broadening its customer base, which further contributes to its revenue growth.

AIA Group Financial Statement Overview

Summary

AIA Group demonstrates strong profitability and cash flow management, with a stable balance sheet supporting its financial health. However, the inconsistency in revenue growth and declining equity ratio highlight areas for potential improvement.

Income Statement

AIA Group's income statement reflects strong profitability, with a solid gross profit margin due to consistent revenue streams. Net profit margin has improved, indicating effective cost management and operational efficiency. However, the revenue growth rate has been inconsistent, showing a decline in recent years, which could be a concern for future growth.

Balance Sheet

The balance sheet shows a healthy equity position with a reasonable debt-to-equity ratio, which indicates controlled leverage and financial stability. Return on equity is decent, suggesting that the company is effectively using equity to generate profits, but the equity ratio has been declining, which could point to increased liabilities over time.

Cash Flow

Cash flow analysis reveals strong free cash flow generation, which supports operational flexibility and potential for reinvestment. The operating cash flow to net income ratio is robust, indicating good cash conversion efficiency. However, recent fluctuations in free cash flow growth rate suggest potential volatility in cash generation capabilities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	28.21B	20.36B	19.76B	57.14B	46.36B	50.85B
Gross Profit	25.49B	28.02B	19.76B	-18.87B	47.99B	50.85B
EBITDA	7.16B	8.92B	5.46B	4.56B	9.22B	7.58B
Net Income	6.05B	6.84B	3.76B	3.33B	7.43B	5.78B
Balance Sheet
Total Assets	328.43B	305.45B	286.32B	270.47B	339.87B	326.12B
Cash, Cash Equivalents and Short-Term Investments	0.00	106.39B	100.14B	8.02B	3.91B	4.40B
Total Debt	14.38B	13.67B	15.63B	13.35B	11.65B	10.72B
Total Liabilities	287.56B	264.64B	244.72B	225.32B	278.94B	262.45B
Stockholders Equity	40.51B	40.49B	41.11B	44.67B	60.47B	63.20B
Cash Flow
Free Cash Flow	4.95B	3.03B	10.59B	9.48B	3.27B	2.10B
Operating Cash Flow	5.05B	3.26B	10.92B	9.87B	3.91B	2.36B
Investing Cash Flow	-854.74M	-945.00M	-2.14B	-817.00M	-2.78B	-1.22B
Financing Cash Flow	-3.08B	-5.69B	-6.07B	-4.79B	-1.66B	392.00M

AIA Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 37.13
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AAGIY, the sentiment is Negative. The current price of 37.13 is below the 20-day moving average (MA) of 37.44, below the 50-day MA of 37.53, and above the 200-day MA of 32.85, indicating a neutral trend. The MACD of -0.30 indicates Positive momentum. The RSI at 44.75 is Neutral, neither overbought nor oversold. The STOCH value of 52.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AAGIY.

AIA Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNM	74 Outperform	$12.98B	9.14	13.95%	2.31%	1.69%	22.65%
AAGIY	73 Outperform	$95.07B	16.27	15.16%	2.54%	6.02%	30.95%
MET	71 Outperform	$51.99B	13.25	15.61%	2.83%	6.17%	59.22%
PRU	69 Neutral	$35.94B	22.51	5.57%	5.24%	-1.80%	-42.18%
AFL	68 Neutral	$57.52B	24.32	9.15%	2.08%	-17.57%	-53.18%
PUK	68 Neutral	$34.60B	10.55	20.19%	1.76%	42.45%	304.26%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

AIA Group Corporate Events

AIA Group’s Earnings Call Highlights Robust Growth

AIA Group’s recent earnings call painted a picture of robust growth and strategic success, with the company achieving significant milestones across various geographic segments. The sentiment was overwhelmingly positive, despite some regulatory and tax challenges, as the company showcased its strong financial performance and strategic advancements in technology.

AIA Group Reports Strong Growth in 2025

AIA Group Limited is the largest independent publicly listed pan-Asian life insurance group, offering a range of insurance and savings products across 18 markets in Asia. In the first half of 2025, AIA Group reported strong financial performance with a 14% increase in the value of new business and a 12% rise in operating profit after tax per share. The company also announced a 10% increase in its interim dividend, reflecting robust earnings growth and a commitment to returning value to shareholders. Key highlights include a significant growth in the Premier Agency’s value of new business by 17%, driven by an increase in active agents and enhanced productivity through technology investments. Additionally, the partnership distribution channel saw an 8% rise in value of new business, complementing the agency’s efforts. Looking ahead, AIA remains confident in its strategic priorities and geographical diversification, positioning itself to capitalize on the growth opportunities in the Asian life and health insurance market.