AFG vs. AIG: American Financial vs. American International Stock Comparison
How do American Financial (AFG) and American International (AIG) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
American Financial (AFG) and American International (AIG) both belong to the Insurance industry, though AFG is classified under Property & Casualty Insurance while AIG falls under Multi-line Insurance.
| Profile Item | AFG | AIG |
|---|---|---|
| Name | American Financial Group Inc | American International Group, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Multi-line Insurance |
| Market Capitalization | 12.79 billion USD | 40.31 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | January 2, 1973 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AFG | AIG |
|---|---|---|
| Total Return (1Y) | 15.92% | 5.79% |
| Total Return (3Y, Annualized) | 20.24% | 10.55% |
| Total Return (5Y, Annualized) | 9.64% | 8.67% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AFG | AIG |
|---|---|---|
| Volatility (1Y, Annualized) | 17.44% | 23.72% |
| Beta (5Y) | 0.55 | 0.47 |
| Max Drawdown (5Y) | -23.85% | -26.45% |
| Avg. Volume (3M) | 386.95K | 4.14M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AFG | AIG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.67 | 0.06 |
| Sortino Ratio (1Y) | 1.02 | 0.09 |
Profitability
ROE (TTM)
American Financial (AFG) at 21.57% is around its peer norm for ROE, while American International (AIG) at 8.23% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
AFG
Insurance industry group
21.57%
- Max
- 41.68%
- Q3
- 22.04%
- AFG
- 21.57%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
AIG
Insurance industry group
8.23%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AIG
- 8.23%
- Min
- -10.66%
Net Margin (TTM)
Both American Financial (AFG) at 12.28% and American International (AIG) at 11.84% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AFG
Insurance industry group
12.28%
- Max
- 29.92%
- Q3
- 17.03%
- AFG
- 12.28%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
AIG
Insurance industry group
11.84%
- Max
- 29.92%
- Q3
- 17.03%
- AIG
- 11.84%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for American Financial (AFG) in Insurance and American International (AIG) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | AFG | AIG |
|---|---|---|
| ROE (TTM) | 21.57% | 8.23% |
| ROA (TTM) | 2.55% | 1.95% |
| Net Margin (TTM) | 12.28% | 11.84% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both American Financial (AFG) at -1.93% and American International (AIG) at -1.82% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.
EPS Growth
Only one side can be read here: American Financial (AFG) reports EPS growth of -4.57%, ranked against its industry; American International (AIG) has no EPS growth figure this period.
Growth Metrics
| Metric | AFG | AIG |
|---|---|---|
| Revenue Growth (YoY) | -1.93% | -1.82% |
| Revenue Growth (3Y CAGR) | 6.22% | -3.69% |
| EPS Growth (YoY) | -4.57% | -- |
| EPS Growth (3Y CAGR) | -1.45% | -25.13% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American Financial (AFG) in Insurance and American International (AIG) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: American Financial (AFG) in Insurance and American International (AIG) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AFG | AIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both American Financial (AFG) at 2.31% and American International (AIG) at 2.35% offer top-quartile dividend income relative to share price within their industries.
AFG
Insurance industry group
2.31%
- Max
- 5.12%
- AFG
- 2.31%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
AIG
Insurance industry group
2.35%
- Max
- 5.12%
- AIG
- 2.35%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both American Financial (AFG) at 28.71% and American International (AIG) at 31.00% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
AFG
Insurance industry group
28.71%
- Max
- 76.67%
- Q3
- 35.18%
- AFG
- 28.71%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
AIG
Insurance industry group
31.00%
- Max
- 76.67%
- Q3
- 35.18%
- AIG
- 31.00%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AFG | AIG |
|---|---|---|
| Dividend Yield (TTM) | 2.31% | 2.35% |
| Dividend Payout Ratio (TTM) | 28.71% | 31.00% |
Valuation
P/E Ratio (TTM)
Both American Financial (AFG) at 12.61 and American International (AIG) at 12.68 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
AFG
Insurance industry group
12.61
- Max
- 28.37
- Q3
- 18.75
- AFG
- 12.61
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
AIG
Insurance industry group
12.68
- Max
- 28.37
- Q3
- 18.75
- AIG
- 12.68
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both American Financial (AFG) at 1.54 and American International (AIG) at 1.45 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
AFG
Insurance industry group
1.54
- Max
- 4.03
- Q3
- 2.25
- AFG
- 1.54
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
AIG
Insurance industry group
1.45
- Max
- 4.03
- Q3
- 2.25
- AIG
- 1.45
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
American International (AIG) at 1.04 sits in the lower P/B ratio quartile against book while American Financial (AFG) at 2.71 is valued near its industry’s middle — AIG is cheaper on assets, though weigh it against ROE and asset quality.
AFG
Insurance industry group
2.71
- Max
- 5.07
- Q3
- 2.79
- AFG
- 2.71
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
AIG
Insurance industry group
1.04
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- AIG
- 1.04
- Min
- 0.30
Valuation Metrics
| Metric | AFG | AIG |
|---|---|---|
| P/E Ratio (TTM) | 12.61 | 12.68 |
| P/S Ratio (TTM) | 1.54 | 1.45 |
| P/B Ratio (MRQ) | 2.71 | 1.04 |
| Free Cash Flow Yield (TTM) | -- | -- |