American International Group, Inc.

$ 74.02 -1.00 %

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 encompasses a wide range of coverages, including general liability, environmental protection, commercial auto liability, workers' compensation, casualty, and crisis management. This segment also covers property risks for commercial, industrial, and energy sectors, with further specialized offerings such as aerospace, political risk, trade credit, portfolio solutions, crop, and marine insurance policies. Additionally, AIG supplies professional liability coverage for various business operations and potential hazards, such as directors and officers (D&O), mergers and acquisitions (M&A), fidelity bonds, employment practices, fiduciary liability, cyber risk, kidnap and ransom, and errors and omissions (E&O) insurance. The General Insurance segment extends to personal lines, featuring policies for automobiles, homes, and umbrella coverage, alongside specialized options for yachts, fine art, and valuable collections. It also includes voluntary and employer-sponsored personal accident and supplemental health plans, extended warranty protection, and travel insurance. AIG's Life and Retirement division focuses on providing a variety of annuity products such as variable, index-linked, and fixed annuities, as well as retail mutual funds. This segment also delivers financial planning and advisory services, in addition to comprehensive record-keeping, plan administration, and compliance support, along with both term and universal life insurance policies. Furthermore, it offers stable value wrap products, structured settlement annuities, and pension risk transfer solutions. Corporate-owned and bank-owned life insurance, alongside guaranteed investment contracts, complete its diverse portfolio. Distribution of these products occurs through a network of independent marketing organizations, independent insurance agents, financial advisors, direct marketing channels, banks, and broker-dealers. Established in 1919, the company maintains its headquarters in New York, New York.

CEO: Peter Salvatore Zaffino - https://www.aig.com

Price objectif

$85.71 15.79 %

Recommandation

Hold

DCF

$ 373.46

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AIG vs S&P500

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Quick ratio

0.83

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

13.03

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

5.68

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

7.70 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

5.50 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

6.12

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.23

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

6.55

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

31.10 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
0.64 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.01 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.06 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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