AIA Group Limited (AAGIY)
OTHER OTC:AAGIY
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AIA Group
(OTC:AAGIY)
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Rating:65Neutral
Price Target:
$46.00
â–²(7.13% Upside)
Action:DowngradedDate:04/18/26
The score is driven primarily by solid (but somewhat volatile) financial performance, including healthy profitability and a sound balance sheet tempered by choppy cash flows and rising debt. Technical signals are mixed with weaker near-term trend indicators, while valuation is moderate with a reasonable P/E and a modest dividend yield.
Positive Factors
Diversified distribution and product mix
AIA’s multi-channel Asian footprint (agency, bancassurance, brokers, digital) provides durable customer access and diversification across markets and products. This lowers concentration risk, supports persistency and cross-sell, and sustains new business flow over medium term.
Negative Factors
Choppy cash generation
Persistent volatility in cash conversion undermines predictability of funds for dividends, buybacks, or capital deployment. For a life insurer, stable cash is critical to fund liabilities and reinvest; ongoing choppiness complicates capital planning and may force conservative liquidity cushions.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified distribution and product mix
AIA’s multi-channel Asian footprint (agency, bancassurance, brokers, digital) provides durable customer access and diversification across markets and products. This lowers concentration risk, supports persistency and cross-sell, and sustains new business flow over medium term.
Read all positive factors
AIA Group (AAGIY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$109.49B
Dividend Yield2.11%
Average Volume (3M)9.22K
Price to Earnings (P/E)17.4
Beta (1Y)0.21
Revenue Growth10.05%
EPS Growth-4.36%
CountryUS
Employees23,000
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)1.26
Shares Outstanding2,627,074,700
10 Day Avg. Volume0
30 Day Avg. Volume9,219
Financial Highlights & Ratios
PEG Ratio-3.59
Price to Book (P/B)2.50
Price to Sales (P/S)3.33
P/FCF Ratio21.08
Enterprise Value/Market Cap1.10
Enterprise Value/Revenue3.96
Enterprise Value/Gross Profit3.96
Enterprise Value/Ebitda15.27
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.96
Revenue Forecast (FY)$24.15B
AIA Group Business Overview & Revenue Model
Company Description
AIA Group Limited, together with its subsidiaries, provides life insurance based financial services. The company offers life insurance, accident, and health insurance and savings plans; and employee benefits, credit life, and pension services to c...
How the Company Makes Money
AIA primarily makes money by underwriting and administering life and health insurance and long-duration savings products across its Asian markets.
Key revenue and earnings drivers typically include:
- Insurance premiums and policy charges: Custom...
AIA Group Earnings Call Summary
Earnings Call Date:Aug 21, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Aug 20, 2026
Earnings Call Sentiment Positive
The earnings call highlighted robust growth in key financial metrics, significant achievements in various geographic segments, and strategic advancements in technology. While there were some regulatory challenges and tax impacts, the positive aspects significantly outweighed the negatives.Positive Updates
Record Value of New Business Growth
Value of new business (VONB) increased by 14% to a record high of $2.8 billion.
Negative Updates
Impact of Global Minimum Tax
The introduction of the global minimum tax affected the effective tax rate, which increased to 18%.
Read all updates
Q2-2025 Updates
Positive
Negative
Record Value of New Business Growth
Value of new business (VONB) increased by 14% to a record high of $2.8 billion.
Read all positive updates
Company Guidance
During the call, AIA provided robust guidance showcasing its strong financial performance in the first half of 2025. The company reported a 14% increase in the value of new business (VONB) to a record $2.8 billion, with substantial contributions from various regions. AIA's underlying free surplus generation grew by 10% per share, and operating profit after tax rose by 12% per share. This financial strength allowed for a 10% increase in the interim dividend per share, returning $3.7 billion to shareholders. In Hong Kong, record VONB of $1.1 billion was achieved, marking a 24% increase, while Mainland China saw a 15% growth in VONB in the second quarter. AIA's operations in ASEAN and India also showed significant growth, with VONB up by 20% and 38%, respectively. The company emphasized its strategic expansion, highlighting a 40% compound annual growth rate (CAGR) target for new regions in China over the next five years. AIA maintained a strong operating return on embedded value (ROEV) of 17.8% and an operating return on equity (ROE) of 16.2%, supported by its disciplined capital management and high-quality product mix.AIA Group Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
67
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 32.53B | 20.36B | 19.76B | 57.14B | 46.36B |
| Gross Profit | 32.53B | 28.02B | 19.76B | -18.87B | 47.99B |
| EBITDA | 8.13B | 8.92B | 5.46B | 4.56B | 9.22B |
| Net Income | 6.23B | 6.84B | 3.76B | 3.33B | 7.43B |
Balance Sheet | |||||
| Total Assets | 345.43B | 305.45B | 286.32B | 270.47B | 339.87B |
| Cash, Cash Equivalents and Short-Term Investments | 9.61B | 106.39B | 100.14B | 8.02B | 3.91B |
| Total Debt | 20.58B | 13.67B | 15.63B | 13.35B | 11.65B |
| Total Liabilities | 301.82B | 264.64B | 244.72B | 225.32B | 278.94B |
| Stockholders Equity | 43.25B | 40.49B | 41.11B | 44.67B | 60.47B |
Cash Flow | |||||
| Free Cash Flow | 5.13B | 3.03B | 10.59B | 9.48B | 3.27B |
| Operating Cash Flow | 5.33B | 3.26B | 10.92B | 9.87B | 3.91B |
| Investing Cash Flow | -939.92M | -945.00M | -2.14B | -817.00M | -2.78B |
| Financing Cash Flow | -3.07B | -5.69B | -6.07B | -4.79B | -1.66B |
AIA Group Technical Analysis
Negative
42.94
Price Trends
43.36
Negative
42.90
Negative
40.30
Positive
Market Momentum
-0.01
Positive
40.82
Neutral
3.24
Positive
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 42.94 is below the 20-day moving average (MA) of 43.81, below the 50-day MA of 43.36, and above the 200-day MA of 40.30, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 40.82 is Neutral, neither overbought nor oversold. The STOCH value of 3.24 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AAGIY.
AIA Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $59.05B | 10.60 | 13.05% | 2.10% | -9.31% | -28.39% | |
69 Neutral | $38.20B | 3.72 | 40.09% | 1.49% | 66.84% | 83.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $109.49B | 17.36 | 14.90% | 2.11% | 10.05% | -4.36% | |
65 Neutral | $32.77B | 11.10 | 11.44% | 4.73% | -13.68% | 33.89% | |
65 Neutral | $12.51B | 18.10 | 6.63% | 2.22% | 1.22% | -55.13% | |
58 Neutral | $50.66B | 15.53 | 12.01% | 2.78% | 8.59% | -21.11% |
* Financial Sector Average
AAGIY
AIA Group
41.69
14.25
51.94%
AFL
AFLAC
114.62
8.43
7.94%
MET
Metlife
77.70
3.95
5.36%
PRU
Prudential Financial
94.21
-4.16
-4.23%
PUK
Prudential
30.72
9.45
44.46%
UNM
Unum Group
77.48
0.29
0.37%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.