AMERICAN INTERNATIONAL GROUP, INC. (AIG) Stock Analysis
AMERICAN INTERNATIONAL GROUP, INC. (AIG) Stock Analysis
Analysis from 10-Q filed 2025-11-05. Data as of Q4 2025.
Overall Grade: F (Concerning)
AMERICAN INTERNATIONAL GROUP, INC. faces challenges in financial performance that warrant careful analysis.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 12.4% | Healthy cash flow |
| Debt/Equity | 0.0x | Conservative leverage |
Investment Thesis: Healthy free cash flow margin of 12.4% provides financial flexibility for growth and shareholder returns.
Explore AMERICAN INTERNATIONAL GROUP, INC.: Earnings History | Filing Intelligence | ROIC Analysis
Profitability: AMERICAN INTERNATIONAL GROUP, INC. earns N/A ROIC
AMERICAN INTERNATIONAL GROUP, INC.'s trailing-twelve-month ROIC of N/A (sector median: 7.3%). Source: 10-Q filed 2025-11-05.
| Metric | AIG | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 7.3% |
| Return on Equity (ROE) | 7.5% | Warning | Moderate equity returns |
Cash Flow: AMERICAN INTERNATIONAL GROUP, INC. generates $3.3B FCF at 12.4% margin, positive NaN/8 quarters
AMERICAN INTERNATIONAL GROUP, INC. generated $3.3B in free cash flow (TTM), a 12.4% FCF margin, a margin that ranks Bottom 50% in Financials. Operating cash flow exceeds net income by 1.1x, indicating high earnings quality. FCF was positive in N/A of the last 8 quarters. Source: 10-Q filed 2025-11-05.
| Metric | AIG | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 12.4% | Good | Healthy cash generation |
| Free Cash Flow (TTM) | $3.3B | Good | Positive cash generation |
| OCF/Net Income | 1.1x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: AMERICAN INTERNATIONAL GROUP, INC. at 0.0x leverage
AMERICAN INTERNATIONAL GROUP, INC.'s debt-to-equity ratio of 0.0x reflects conservative leverage. Source: 10-Q filed 2025-11-05.
| Metric | AIG | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.0x | Excellent | Conservative capital structure |
Valuation: AMERICAN INTERNATIONAL GROUP, INC. trades at 15.6x earnings
AMERICAN INTERNATIONAL GROUP, INC. trades at a P/E of 15.6x. Free cash flow yield of 6.9% offers attractive cash returns relative to price.
| Metric | AIG | Rating | Context |
|---|---|---|---|
| P/E Ratio | 15.6x | Adequate | Reasonable valuation |
| EV/Sales | 1.7x | Excellent | Attractive revenue multiple |
| FCF Yield | 6.9% | Good | Attractive cash return |
| Dividend Yield | 2.0% | Adequate | Growth focus over income |
Capital Allocation: AMERICAN INTERNATIONAL GROUP, INC. returns 14.1% shareholder yield
AMERICAN INTERNATIONAL GROUP, INC.'s total shareholder yield is 14.1% (dividends 2.0% + buybacks 12.1%). Source: 10-Q filed 2025-11-05.
| Metric | AIG | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 14.1% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 12.1% | Good | Active share repurchases |
| Total Capital Returned (TTM) | $6.8B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 12.4% | Bottom 50% | 0.6x below |
| Return on Equity (ROE) | 7.5% | Bottom 50% | 0.7x below |
| P/E Ratio | 15.6x | N/A | - |
Financial Scorecard
| Metric | AIG | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 12.4% | Good | Bottom 50% of sector (median: 21.7%) |
| Debt to Equity Ratio | 0.0% | Excellent | Conservative capital structure |
| P/E Ratio (Price-to-Earnings) | 15.6x | Adequate | Fair value |
| Free Cash Flow Yield | 6.9% | Good | Solid cash yield |
Frequently Asked Questions
Q: What is AMERICAN INTERNATIONAL GROUP, INC.'s Return on Invested Capital (ROIC)?
AMERICAN INTERNATIONAL GROUP, INC. (AIG) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. This compares below the sector median of 7.3%. An ROIC below 8% suggests the company may be destroying shareholder value.
Q: What is AMERICAN INTERNATIONAL GROUP, INC.'s Free Cash Flow Margin?
AMERICAN INTERNATIONAL GROUP, INC. (AIG) has a free cash flow margin of 12.4%, generating $3.3 billion in free cash flow over the trailing twelve months. A FCF margin between 10-20% represents healthy cash generation for most industries.
Q: Is AMERICAN INTERNATIONAL GROUP, INC. stock overvalued or undervalued?
AMERICAN INTERNATIONAL GROUP, INC. (AIG) trades at a P/E ratio of 15.6x, which is above the sector median of N/A. The EV/Sales multiple is 1.7x. Free cash flow yield is 6.9%, which represents an attractive cash return to investors.
Q: Does AMERICAN INTERNATIONAL GROUP, INC. pay a dividend?
AMERICAN INTERNATIONAL GROUP, INC. (AIG) currently pays a dividend yield of 2.0%. Including share buybacks, the total shareholder yield is 14.1%. This yield is moderate, suggesting a balance between income and growth reinvestment.
Q: What is AMERICAN INTERNATIONAL GROUP, INC.'s revenue and earnings growth?
AMERICAN INTERNATIONAL GROUP, INC. (AIG) declined revenue by 1.7% year-over-year. Revenue decline may indicate market challenges or industry headwinds.
Q: Is AMERICAN INTERNATIONAL GROUP, INC. buying back stock?
AMERICAN INTERNATIONAL GROUP, INC. (AIG) repurchased $5.8 billion of stock over the trailing twelve months. This represents a buyback yield of 12.1%.
Q: How does AMERICAN INTERNATIONAL GROUP, INC. compare to competitors in Financials?
Compared to other companies in Financials, AMERICAN INTERNATIONAL GROUP, INC. (AIG) shows: ROIC of N/A is below the sector median of 7.3% (NaNx median). FCF margin of 12.4% trails the sector median of 21.7% (Bottom 37% of sector). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with AMERICAN INTERNATIONAL GROUP, INC.?
AMERICAN INTERNATIONAL GROUP, INC. (AIG) shows no major financial warning signs based on current metrics. However, investors should always monitor: 1) Margin compression trends, 2) Cash flow consistency, 3) Debt levels relative to cash generation, and 4) Changes in competitive positioning.
Data Source: Data sourced from 10-Q filed 2025-11-05. TTM metrics as of Q4 2025.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.