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American International Group
(NYSE:AIG)
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Rating:70Outperform
Price Target:
$83.00
▲(5.49% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by solid overall financial footing (improved leverage and supportive recent cash generation) and a strong, target-backed earnings call with improving underwriting performance and shareholder returns. These positives are tempered by weak technical trend signals and financial statement volatility, including a sharp TTM revenue decline and uneven earnings history.
Positive Factors
Underwriting & Premium Growth
Sustained premium growth and a materially improved combined ratio reflect stronger underwriting discipline and pricing/renewal execution. Durable underwriting gains reduce volatility in earnings and improve margins and cash generation over the next several quarters as rate and terms feed through earned premiums.
Negative Factors
Sharp Revenue Decline
A large drop in reported revenue materially weakens the company’s top‑line scale and raises questions about the sustainability of recent profitability. Over a 2–6 month horizon, reduced revenue can limit underwriting leverage, constrain margin recovery, and reduce the cushion for adverse loss development.
Read all positive and negative factors
Positive Factors
Negative Factors
Underwriting & Premium Growth
Sustained premium growth and a materially improved combined ratio reflect stronger underwriting discipline and pricing/renewal execution. Durable underwriting gains reduce volatility in earnings and improve margins and cash generation over the next several quarters as rate and terms feed through earned premiums.
Read all positive factors
American International Group Key Performance Indicators (KPIs)
Any
Revenue by Type
Data provided by:
The Fly
The FlyAmerican International Group (AIG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$42.09B
Dividend Yield2.02%
Average Volume (3M)3.70M
Price to Earnings (P/E)13.9
Beta (1Y)0.47
Revenue Growth-2.31%
EPS Growth26.43%
CountryUS
Employees22,200
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)5.72
Shares Outstanding530,206,240
10 Day Avg. Volume4,275,219
30 Day Avg. Volume3,700,869
Financial Highlights & Ratios
PEG Ratio0.25
Price to Book (P/B)1.18
Price to Sales (P/S)1.81
P/FCF Ratio14.59
Enterprise Value/Market Cap1.12
Enterprise Value/Revenue1.78
Enterprise Value/Gross Profit4.61
Enterprise Value/Ebitda6.11
Forecast
1Y Price Target
$87.60Price Target Upside11.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering15
EPS Forecast (FY)8.07
Revenue Forecast (FY)$29.30B
American International Group Business Overview & Revenue Model
Company Description
American International Group, Inc. (AIG) is a global insurance provider, delivering a broad spectrum of insurance solutions to commercial, institutional, and individual clients across North America and worldwide. Its General Insurance division enc...
How the Company Makes Money
AIG primarily makes money through (1) insurance underwriting and related fees and (2) investment income on the assets it holds to support insurance and retirement obligations.
1) Insurance underwriting (premiums vs. claims and expenses)
- Premium...
American International Group Earnings Call Summary
Earnings Call Date:Apr 30, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 06, 2026
Earnings Call Sentiment Positive
The call conveyed a broadly positive performance: strong top-line premium growth, substantial underwriting improvement, sizable earnings and ROE gains, meaningful capital returns, and clear early benefits from AI deployments. These positives were tempered by targeted challenges in U.S. large account Property pricing, softness in select lines (Financial Lines, Global Specialty), underperformance in alternative investments and Other Operations, and the need to manage portfolio mix. Management articulated disciplined underwriting, active reinsurance management, continued capital flexibility (including planned Corebridge exit) and measurable AI productivity gains, which support confidence in forward execution despite market headwinds.Positive Updates
Strong Overall Financial Performance
Adjusted pretax income of $1.5 billion, up 65% year-over-year; adjusted after-tax income per diluted share of $2.11, up 80% year-over-year; core operating ROE of 12.2%.
Negative Updates
U.S. Large Account Property Pricing Pressure
U.S. Property market, particularly Lexington large account shared and layered business (less than 10% of Global Property portfolio), faced significant pricing pressure; new business in that Lexington segment decreased 19% year-over-year and management is contracting the portfolio amid competitive rates.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Overall Financial Performance
Adjusted pretax income of $1.5 billion, up 65% year-over-year; adjusted after-tax income per diluted share of $2.11, up 80% year-over-year; core operating ROE of 12.2%.
Read all positive updates
Company Guidance
AIG reaffirmed its Investor Day targets and near‑term expectations, including operating EPS compound annual growth of >20% through 2027, a core operating ROE target of 10–13% through 2027, a General Insurance expense ratio below 30% by 2027, and an improvement in Global Personal Insurance combined ratio to 94% by 2027; the company also committed to supporting a ~10% dividend increase in 2026 (the Board approved an 11% raise to $0.50/share starting Q2). For 2026 AIG expects low‑ to mid‑teens net premiums written growth in General Insurance, plans to exit its remaining ~5.6% Corebridge stake in 2026 (proceeds primarily for buybacks), and remains focused on disciplined capital returns (Q1 capital returned $760M — $519M repurchases and $241M dividends) with total debt to total adjusted capital at 17.7%; these targets are supported by Q1 results (adjusted after‑tax EPS $2.11, adjusted pretax income $1.5B, core operating ROE 12.2%, GI accident‑year combined ratio as adjusted 86.6%, GI NWP +18% Y/Y, GI GWP $10B, GIE NI $864M and book value/share $75.82).American International Group Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
70
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 26.65B | 26.77B | 27.27B | 27.96B | 29.98B | 51.98B |
| Gross Profit | 10.26B | 9.24B | 9.28B | 4.37B | 7.26B | 20.11B |
| EBITDA | 7.75B | 7.73B | 7.93B | 7.22B | 8.24B | 19.19B |
| Net Income | 3.16B | 3.10B | -1.40B | 3.64B | 10.23B | 10.37B |
Balance Sheet | ||||||
| Total Assets | 161.54B | 161.25B | 161.32B | 539.31B | 522.23B | 596.11B |
| Cash, Cash Equivalents and Short-Term Investments | 34.91B | 38.41B | 79.72B | 79.65B | 240.57B | 292.76B |
| Total Debt | 9.16B | 9.19B | 8.92B | 10.86B | 27.18B | 30.16B |
| Total Liabilities | 121.11B | 120.09B | 118.77B | 488.00B | 478.77B | 527.20B |
| Stockholders Equity | 40.41B | 41.14B | 42.52B | 45.35B | 40.97B | 65.96B |
Cash Flow | ||||||
| Free Cash Flow | 3.52B | 3.31B | 3.27B | 6.24B | 4.13B | 6.22B |
| Operating Cash Flow | 3.52B | 3.31B | 3.27B | 6.24B | 4.13B | 6.22B |
| Investing Cash Flow | 1.27B | 3.19B | 1.67B | -7.02B | -3.63B | -3.28B |
| Financing Cash Flow | -4.67B | -6.54B | -5.06B | 782.00M | -602.00M | -3.68B |
American International Group Technical Analysis
Positive
78.68
Price Trends
75.37
Positive
76.00
Positive
76.64
Positive
Market Momentum
0.45
Negative
64.94
Neutral
60.66
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AIG, the sentiment is Positive. The current price of 78.68 is above the 20-day moving average (MA) of 75.17, above the 50-day MA of 75.37, and above the 200-day MA of 76.64, indicating a bullish trend. The MACD of 0.45 indicates Negative momentum. The RSI at 64.94 is Neutral, neither overbought nor oversold. The STOCH value of 60.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AIG.
American International Group Risk Analysis
American International Group disclosed 36 risk factors in its most recent earnings report. American International Group reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
American International Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $37.79B | 9.55 | 22.01% | 1.55% | 6.90% | 41.67% | |
76 Outperform | $35.71B | 7.74 | 20.48% | ― | 8.66% | 32.96% | |
73 Outperform | $23.95B | 15.82 | 13.25% | 3.44% | -1.98% | 48.93% | |
70 Outperform | $42.09B | 13.88 | 7.70% | 2.02% | -2.31% | 26.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $12.45B | -16.23 | -219.79% | 2.15% | -19.35% | -175.55% | |
61 Neutral | $13.00B | 12.27 | 11.63% | 5.77% | 33.06% | 50.47% |
* Financial Sector Average
AIG
American International Group
79.39
-1.85
-2.28%
AEG
Aegon
8.66
1.73
24.93%
ACGL
Arch Capital Group
102.20
13.01
14.59%
HIG
Hartford Insurance
137.85
15.01
12.22%
PFG
Principal Financial
110.87
32.74
41.91%
EQH
Equitable Holdings
45.61
-8.66
-15.95%
American International Group Corporate Events
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
AIG Adds Veteran Financial Executive to Board of Directors
Positive
May 14, 2026
On May 13, 2026, AIG held its Annual Meeting of Shareholders, where investors re-elected the full slate of director nominees to serve until the 2027 meeting, including Chairman and CEO Peter Zaffino. Shareholders also approved, on an advisory basi...
Business Operations and StrategyDividendsFinancial Disclosures
AIG Posts Strong Q1 Results, Boosts Dividend Again
Positive
Apr 30, 2026
American International Group, Inc. reported strong results for the first quarter ended March 31, 2026, highlighted by a 22% year-over-year rise in net income per diluted share to $1.41 and an 80% jump in adjusted after-tax income per diluted share...
Business Operations and StrategyExecutive/Board Changes
American International Group Announces CEO Transition to Andersen
Positive
Apr 27, 2026
On April 27, 2026, American International Group’s board finalized a planned leadership transition under which Eric Andersen will become president, chief executive officer and a board member effective June 1, 2026, while current chairman and ...
Executive/Board ChangesShareholder Meetings
AIG Announces Planned Board Transition as Director Steps Down
Neutral
Mar 16, 2026
American International Group, Inc. announced that director James Dunne III has decided not to stand for re-election to the Board at the insurer’s 2026 Annual Meeting of Shareholders, scheduled for May 13, 2026. The company stated that Dunne&...
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.