American International (AIG) Stock Analysis

November 11, 2026

This is a peer-relative look at American International (AIG): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for American International (AIG)
Profile Item	AIG
Name	American International Group, Inc.
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Insurance
GICS Industry	Insurance
GICS Sub-Industry	Multi-line Insurance
Market Capitalization	40.31 billion USD
Currency	USD
Exchange	NYSE
Listing Date	January 2, 1973
Security Type	Common Stock

Price Performance

Cumulative Growth

AIG

GSPC

American International (AIG) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for American International (AIG) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for American International (AIG) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

American International (AIG) metric values compared with Insurance industry-group medians
Metric	Current stock: AIG	Industry group median
Total Return (1Y)	5.79%	13.21%
Total Return (3Y, Annualized)	10.55%	16.41%
Total Return (5Y, Annualized)	8.67%	10.37%

Risk Profile

Drawdown History

AIG

GSPC

American International (AIG) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for American International (AIG) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

American International (AIG) metric values compared with Insurance industry-group medians
Metric	Current stock: AIG	Industry group median
Volatility (1Y, Annualized)	23.72%	28.84%
Beta (5Y)	0.47	0.50
Max Drawdown (5Y)	-26.45%	-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. AIG is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

American International (AIG) metric values compared with Insurance industry-group medians
Metric	Current stock: AIG	Industry group median
Sharpe Ratio (1Y)	0.06	0.28
Sortino Ratio (1Y)	0.09	0.41

Profitability

ROE (TTM)

American International (AIG) posts ROE of 8.23%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.

AIG

Insurance industry group

8.23%

Group distribution

Max: 41.68%
Q3: 22.04%
Median: 14.81%
Q1: 8.79%
AIG: 8.23%
Min: -10.66%

Largest peers

PGR: 33.24%
TRV: 27.50%
MRSH: 27.24%
CB: 14.25%
MFC: 12.24%
AIG: 8.23%
AJG: 7.21%

Where American International (AIG) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

American International (AIG) keeps 11.84% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

AIG

Insurance industry group

11.84%

Group distribution

Max: 29.92%
Q3: 17.03%
AIG: 11.84%
Median: 10.97%
Q1: 6.21%
Min: -4.68%

Largest peers

MFC: 18.97%
CB: 18.13%
TRV: 17.03%
MRSH: 14.20%
PGR: 12.67%
AIG: 11.84%
AJG: 10.78%

Where American International (AIG) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for American International (AIG) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

American International (AIG) metric values compared with Insurance industry-group medians
Metric	Current stock: AIG	Industry group median
ROE (TTM)	8.23%	14.81%
ROA (TTM)	1.95%	2.72%
Net Margin (TTM)	11.84%	10.97%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

American International (AIG) grew revenue -1.82%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

American International (AIG): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

No usable EPS growth is available for American International (AIG) this period, so the earnings-momentum read is skipped.

American International (AIG): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

American International (AIG) metric values compared with Insurance industry-group medians
Metric	Current stock: AIG	Industry group median
Revenue Growth (YoY)	-1.82%	7.89%
Revenue Growth (3Y CAGR)	-3.69%	11.40%
EPS Growth (YoY)	--	21.77%
EPS Growth (3Y CAGR)	-25.13%	18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for American International (AIG) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for American International (AIG) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

American International (AIG) metric values compared with Insurance industry-group medians
Metric	Current stock: AIG	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

American International (AIG) has dividend yield of 2.35%, in the upper peer-yield quartile while still inside the industry range. The dividend offers more cash income per dollar of share price than most peers, though payout coverage still matters.

AIG

Insurance industry group

2.35%

Group distribution

Max: 5.12%
AIG: 2.35%
Q3: 2.15%
Median: 0.98%
Q1: 0.00%
Min: 0.00%

Largest peers

MFC: 4.32%
AIG: 2.35%
MRSH: 1.80%
TRV: 1.17%
CB: 1.07%
AJG: 0.95%
PGR: 0.17%

Where American International (AIG) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

American International (AIG) has payout ratio of 31.00%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

AIG

Insurance industry group

31.00%

Group distribution

Max: 76.67%
Q3: 35.18%
AIG: 31.00%
Median: 14.74%
Q1: 0.00%
Min: 0.00%

Largest peers

PGR: 70.03%
MFC: 54.30%
MRSH: 44.14%
AJG: 41.98%
AIG: 31.00%
CB: 13.95%
TRV: 12.36%

Where American International (AIG) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

American International (AIG) metric values compared with Insurance industry-group medians
Metric	Current stock: AIG	Industry group median
Dividend Yield (TTM)	2.35%	0.98%
Dividend Payout Ratio (TTM)	31.00%	14.74%

Valuation

P/E Ratio (TTM)

American International (AIG) trades at P/E ratio of 12.68, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

AIG

Insurance industry group

12.68

Group distribution

Max: 28.37
Q3: 18.75
AIG: 12.68
Median: 12.23
Q1: 9.08
Min: 2.32

Largest peers

AJG: 42.99
MRSH: 24.50
MFC: 17.23
CB: 12.79
AIG: 12.68
PGR: 11.47
TRV: 10.39

Where American International (AIG) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

American International (AIG) trades at 1.45 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

AIG

Insurance industry group

1.45

Group distribution

Max: 4.03
Q3: 2.25
AIG: 1.45
Median: 1.23
Q1: 0.85
Min: 0.07

Largest peers

AJG: 4.58
MRSH: 3.42
CB: 2.25
MFC: 2.11
TRV: 1.66
AIG: 1.45
PGR: 1.44

Where American International (AIG) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

American International (AIG) trades at 1.04 on P/B ratio, in the lower book-value quartile for its industry. Investors are paying less for the balance-sheet equity than they pay for most peers, with returns on that equity still central to the read.

AIG

Insurance industry group

1.04

Group distribution

Max: 5.07
Q3: 2.79
Median: 1.76
Q1: 1.23
AIG: 1.04
Min: 0.30

Largest peers

MRSH: 6.64
PGR: 3.82
AJG: 3.00
TRV: 2.79
MFC: 2.13
CB: 1.91
AIG: 1.04

Where American International (AIG) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

American International (AIG) metric values compared with Insurance industry-group medians
Metric	Current stock: AIG	Industry group median
P/E Ratio (TTM)	12.68	12.23
P/S Ratio (TTM)	1.45	1.23
P/B Ratio (MRQ)	1.04	1.76
Free Cash Flow Yield (TTM)	--	--