AIG vs. AJG: A Head-to-Head Stock Comparison

Updated on August 25, 2025

Here’s a clear look at AIG and AJG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	AIG	AJG
Company Name	American International Group, Inc.	Arthur J. Gallagher & Co.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Insurance
Market Capitalization	45.72 billion USD	77.59 billion USD
Exchange	NYSE	NYSE
Listing Date	January 2, 1973	June 20, 1984
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of AIG and AJG by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

AIG vs. AJG: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	AIG	AJG
5-Day Price Return	2.76%	1.99%
13-Week Price Return	-2.15%	-12.06%
26-Week Price Return	8.02%	-7.28%
52-Week Price Return	10.88%	5.58%
Month-to-Date Return	6.31%	4.78%
Year-to-Date Return	13.37%	6.03%
10-Day Avg. Volume	3.88M	1.52M
3-Month Avg. Volume	4.03M	1.42M
3-Month Volatility	19.78%	22.99%
Beta	0.72	0.74

Profitability

Return on Equity (TTM)

AIG

7.51%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

AIG’s Return on Equity of 7.51% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

AJG

8.45%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

AJG’s Return on Equity of 8.45% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

AIG vs. AJG: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

Net Profit Margin (TTM)

AIG

11.51%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

AIG’s Net Profit Margin of 11.51% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

AJG

13.16%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

AJG’s Net Profit Margin of 13.16% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

AIG vs. AJG: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

Operating Profit Margin (TTM)

AIG

18.39%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

AJG

21.19%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

AIG vs. AJG: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

Symbol	AIG	AJG
Return on Equity (TTM)	7.51%	8.45%
Return on Assets (TTM)	1.94%	2.38%
Net Profit Margin (TTM)	11.51%	13.16%
Operating Profit Margin (TTM)	18.39%	21.19%
Gross Profit Margin (TTM)	--	46.51%

Financial Strength

Current Ratio (MRQ)

AIG

0.04

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AJG

1.36

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AIG vs. AJG: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

Debt-to-Equity Ratio (MRQ)

AIG

0.22

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

AJG

0.56

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

AIG vs. AJG: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

Interest Coverage Ratio (TTM)

AIG

9.38

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

AJG

5.92

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

AIG vs. AJG: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

Symbol	AIG	AJG
Current Ratio (MRQ)	0.04	1.36
Quick Ratio (MRQ)	0.04	1.36
Debt-to-Equity Ratio (MRQ)	0.22	0.56
Interest Coverage Ratio (TTM)	9.38	5.92

Growth

Revenue Growth

AIG vs. AJG: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

AIG vs. AJG: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

AIG

2.16%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

AIG’s Dividend Yield of 2.16% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

AJG

0.77%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

AJG’s Dividend Yield of 0.77% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

AIG vs. AJG: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

Dividend Payout Ratio (TTM)

AIG

30.82%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

AIG’s Dividend Payout Ratio of 30.82% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

AJG

36.32%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

AJG’s Dividend Payout Ratio of 36.32% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

AIG vs. AJG: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

Symbol	AIG	AJG
Dividend Yield (TTM)	2.16%	0.77%
Dividend Payout Ratio (TTM)	30.82%	36.32%

Valuation

Price-to-Earnings Ratio (TTM)

AIG

14.26

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

AIG’s P/E Ratio of 14.26 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

AJG

47.03

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

At 47.03, AJG’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

AIG vs. AJG: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

Price-to-Sales Ratio (TTM)

AIG

1.64

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

AIG’s P/S Ratio of 1.64 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

AJG

6.19

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

With a P/S Ratio of 6.19, AJG trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

AIG vs. AJG: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

Price-to-Book Ratio (MRQ)

AIG

1.19

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

AIG’s P/B Ratio of 1.19 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

AJG

3.56

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

AJG’s P/B Ratio of 3.56 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

AIG vs. AJG: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

Symbol	AIG	AJG
Price-to-Earnings Ratio (TTM)	14.26	47.03
Price-to-Sales Ratio (TTM)	1.64	6.19
Price-to-Book Ratio (MRQ)	1.19	3.56
Price-to-Free Cash Flow Ratio (TTM)	13.72	30.56