AFL vs. AIG: Aflac vs. American International Stock Comparison
How do Aflac (AFL) 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
Aflac (AFL) and American International (AIG) both belong to the Insurance industry, though AFL is classified under Life & Health Insurance while AIG falls under Multi-line Insurance.
| Profile Item | AFL | AIG |
|---|---|---|
| Name | Aflac Incorporated | 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 | Life & Health Insurance | Multi-line Insurance |
| Market Capitalization | 61.36 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 | AFL | AIG |
|---|---|---|
| Total Return (1Y) | 12.21% | 5.79% |
| Total Return (3Y, Annualized) | 18.21% | 10.55% |
| Total Return (5Y, Annualized) | 20.06% | 8.67% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AFL | AIG |
|---|---|---|
| Volatility (1Y, Annualized) | 17.13% | 23.72% |
| Beta (5Y) | 0.55 | 0.47 |
| Max Drawdown (5Y) | -19.86% | -26.45% |
| Avg. Volume (3M) | 1.93M | 4.14M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AFL | AIG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.46 | 0.06 |
| Sortino Ratio (1Y) | 0.68 | 0.09 |
Profitability
ROE (TTM)
Aflac (AFL) at 12.17% 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.
AFL
Insurance industry group
12.17%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- AFL
- 12.17%
- 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)
Aflac (AFL) at 21.24% retains a top-quartile share of revenue as profit, ahead of American International (AIG) at 11.84%, which keeps about the industry-typical share.
AFL
Insurance industry group
21.24%
- Max
- 29.92%
- AFL
- 21.24%
- Q3
- 17.03%
- 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 Aflac (AFL) 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 | AFL | AIG |
|---|---|---|
| ROE (TTM) | 12.17% | 8.23% |
| ROA (TTM) | 2.39% | 1.95% |
| Net Margin (TTM) | 21.24% | 11.84% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Aflac (AFL) at -9.27% 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: Aflac (AFL) reports EPS growth of -29.18%, ranked against its industry; American International (AIG) has no EPS growth figure this period.
Growth Metrics
| Metric | AFL | AIG |
|---|---|---|
| Revenue Growth (YoY) | -9.27% | -1.82% |
| Revenue Growth (3Y CAGR) | -3.23% | -3.69% |
| EPS Growth (YoY) | -29.18% | -- |
| EPS Growth (3Y CAGR) | -0.53% | -25.13% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Aflac (AFL) 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: Aflac (AFL) 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 | AFL | AIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
American International (AIG) at 2.35% delivers top-quartile income for its industry, while Aflac (AFL) at 1.91% pays a more typical yield — both are credible income propositions, AIG the richer one.
AFL
Insurance industry group
1.91%
- Max
- 5.12%
- Q3
- 2.15%
- AFL
- 1.91%
- 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 Aflac (AFL) at 35.18% 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.
AFL
Insurance industry group
35.18%
- Max
- 76.67%
- AFL
- 35.18%
- Q3
- 35.18%
- 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 | AFL | AIG |
|---|---|---|
| Dividend Yield (TTM) | 1.91% | 2.35% |
| Dividend Payout Ratio (TTM) | 35.18% | 31.00% |
Valuation
P/E Ratio (TTM)
Both Aflac (AFL) at 18.11 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.
AFL
Insurance industry group
18.11
- Max
- 28.37
- Q3
- 18.75
- AFL
- 18.11
- 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)
American International (AIG) at 1.45 is priced about in line with its industry on P/S ratio, while Aflac (AFL) at 3.70 sits in the pricier quartile — AFL costs more per dollar of sales.
AFL
Insurance industry group
3.70
- Max
- 4.03
- AFL
- 3.70
- Q3
- 2.25
- 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 Aflac (AFL) at 2.10 is valued near its industry’s middle — AIG is cheaper on assets, though weigh it against ROE and asset quality.
AFL
Insurance industry group
2.10
- Max
- 5.07
- Q3
- 2.79
- AFL
- 2.10
- 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 | AFL | AIG |
|---|---|---|
| P/E Ratio (TTM) | 18.11 | 12.68 |
| P/S Ratio (TTM) | 3.70 | 1.45 |
| P/B Ratio (MRQ) | 2.10 | 1.04 |
| Free Cash Flow Yield (TTM) | -- | -- |