American International Group, Inc. (AIG)
Financials · Multi-line Insurance · US stock · S&P 500 component
$80.74
▲ +1.62 (2.05%)
Fair valueFair
$93 +14.9% to fair value
$46fair band $74–$111$139
Day's range
$79.16 – $80.87
52-week range
$69.90 – $85.64
About American International Group, Inc.
American International Group is a global insurer providing property and casualty insurance, and related risk products, to businesses, institutions and individuals in many countries. Its commercial lines cover areas such as property, casualty, financial lines and specialty risks, and it also provides personal insurance, including travel cover. The company serves clients both in North America and internationally.
AIG earns money from premiums paid by policyholders and from returns on the investments backing its policies. Revenue is $26.6 billion over the last twelve months, but revenue growth over three years is -3.7% a year. The operating margin is 15.1%, and the business earns a profit of 8% on the capital invested in it. The dividend yield is 2.4%. On the site's X-Ray Score it receives 38 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $69.90 – $85.64Volume 5,410,100Daily, split-adjusted
Vitals
Market cap$43.1B
52-week range$69.90 – $85.64
Volume (last day)5,410,100
P/E (TTM)15.0
EBIT / EV yield9.7%
Free-cash-flow yield–
Dividend yield2.4%
Revenue (TTM)$26.6B
Net income (TTM)$3.0B
Operating margin15.1%
Return on capital8.4%
Debt incl. leasesData missing
Cash & securities$1.6B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$93
Fair
+14.9% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Low, so the safety margin is 20%.
Price $81
Undervalued < $74Fair $74 – $111Overvalued > $111
Excess-return (bank)
$78
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Fair
69/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield9.7%
Fair value vs price1.1×
Growth
Weak
7/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)-3.7%
EPS growth (3y)-25.1%
Growth consistency40%
Profitability
Weak
33/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital8.4%
Operating margin15.1%
Financial health
Weak
42/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score7 / 9
Interest cover10.0×
Dividends
Weak
30/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield2.4%
Dividend growth-0.2%
Quarterly results: last 6 quarters
+0.3%
Mar '25
+8.1%
Jun '25
-5.9%
Sep '25
-8.7%
Dec '25
-2.0%
Mar '26
-0.1%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $7.1B, diluted EPS $1.78.
Compare with peers
AIZ Assurant, Inc.63 L Loews Corp50Other Multi-line Insurance companies by X-Ray Score.
Fundamentals checklist
● 1 Good · ● 3 Average · ● 6 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Interest coverBad
Valuation
Fair value vs priceGood
EBIT / EV yieldAverage
Profitability
Return on invested capitalBad
Operating marginBad
Each check is graded against the company's sector, not a fixed number. Checklist score 31/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $52.2B | $30.0B | $27.9B | $27.3B | $26.8B |
| Operating income | $14.7B | $4.4B | $3.4B | $4.3B | $4.3B |
| Net income | $10.4B | $10.2B | $3.6B | −$1.4B | $3.1B |
| Operating cash flow | $6.2B | $4.1B | $6.2B | $3.3B | $3.3B |
| Operating margin | 28.1% | 14.6% | 12.1% | 15.9% | 16.0% |
| Free cash flow | $5.9B | $3.9B | $6.0B | – | – |
| Diluted EPS | $11.95 | $12.94 | $4.98 | $-2.17 | $5.43 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
12 bullish · 0 neutral · 4 bearish
Weekly
Strongly bullish
11 bullish · 1 neutral · 0 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 77.26 | Bullish |
| EMA 10 | 77.70 | Bullish |
| SMA 20 | 75.99 | Bullish |
| EMA 20 | 76.74 | Bullish |
| SMA 50 | 75.87 | Bullish |
| EMA 50 | 76.27 | Bullish |
| SMA 100 | 76.18 | Bullish |
| EMA 100 | 76.22 | Bullish |
| SMA 200 | 75.82 | Bullish |
| EMA 200 | 76.25 | Bullish |
Oscillators (daily)
| RSI (14) | 71.98 | Bearish |
| MACD (12, 26) | 0.91 | Bullish |
| Momentum (12) | 8.49 | Bullish |
| Stochastic %K (14) | 98.40 | Bearish |
| Williams %R (14) | -1.60 | Bearish |
| CCI (20) | 203.4 | Bearish |
Pivot points (classic, last session)
S3 77.93 | S2 78.55 | S1 79.64 | Pivot 80.26 | R1 81.35 | R2 81.97 | R3 83.06 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.90 USD
Yield on today's price
2.35%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 16 Sep 2026 | 0.5000 |
| 15 Jun 2026 | 0.5000 |
| 16 Mar 2026 | 0.4500 |
| 16 Dec 2025 | 0.4500 |
| 16 Sep 2025 | 0.4500 |
| 13 Jun 2025 | 0.4500 |
| 17 Mar 2025 | 0.4000 |
| 16 Dec 2024 | 0.4000 |
| 16 Sep 2024 | 0.4000 |
| 14 Jun 2024 | 0.4000 |
| 13 Mar 2024 | 0.3600 |
| 13 Dec 2023 | 0.3600 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
AIG SEC filings
24 Sep 2026
8-KSEC EDGAR
Other events
16 Sep 2026
8-KSEC EDGAR
Director or officer change
2 Sep 2026
8-KSEC EDGAR
Director or officer change
7 Aug 2026
10-QSEC EDGAR
Quarterly report
6 Aug 2026
8-KSEC EDGAR
Results of operations; Other events
14 May 2026
8-KSEC EDGAR
Director or officer change; Shareholder vote results
1 May 2026
10-QSEC EDGAR
Quarterly report
30 Apr 2026
8-KSEC EDGAR
Results of operations; Other events
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.