AIG vs. AJG: American International vs. Arthur J. Gallagher Stock Comparison
How do American International (AIG) and Arthur J. Gallagher (AJG) 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 International (AIG) and Arthur J. Gallagher (AJG) both belong to the Insurance industry, though AIG is classified under Multi-line Insurance while AJG falls under Insurance Brokers.
| Profile Item | AIG | AJG |
|---|---|---|
| Name | American International Group, Inc. | Arthur J. Gallagher & Co. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Multi-line Insurance | Insurance Brokers |
| Market Capitalization | 40.31 billion USD | 72.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 2, 1973 | June 20, 1984 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AIG | AJG |
|---|---|---|
| Total Return (1Y) | 5.79% | 13.67% |
| Total Return (3Y, Annualized) | 10.55% | 5.42% |
| Total Return (5Y, Annualized) | 8.67% | 12.86% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AIG | AJG |
|---|---|---|
| Volatility (1Y, Annualized) | 23.72% | 32.13% |
| Beta (5Y) | 0.47 | 0.46 |
| Max Drawdown (5Y) | -26.45% | -44.40% |
| Avg. Volume (3M) | 4.14M | 1.52M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AIG | AJG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.06 | 0.29 |
| Sortino Ratio (1Y) | 0.09 | 0.43 |
Profitability
ROE (TTM)
Both American International (AIG) at 8.23% and Arthur J. Gallagher (AJG) at 7.21% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.
AIG
Insurance industry group
8.23%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AIG
- 8.23%
- Min
- -10.66%
AJG
Insurance industry group
7.21%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AJG
- 7.21%
- Min
- -10.66%
Net Margin (TTM)
Both American International (AIG) at 11.84% and Arthur J. Gallagher (AJG) at 10.78% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AIG
Insurance industry group
11.84%
- Max
- 29.92%
- Q3
- 17.03%
- AIG
- 11.84%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
AJG
Insurance industry group
10.78%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- AJG
- 10.78%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for American International (AIG) in Insurance and Arthur J. Gallagher (AJG) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | AIG | AJG |
|---|---|---|
| ROE (TTM) | 8.23% | 7.21% |
| ROA (TTM) | 1.95% | 2.57% |
| Net Margin (TTM) | 11.84% | 10.78% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Arthur J. Gallagher (AJG) at 20.66% is around its peer norm for revenue growth, while American International (AIG) at -1.82% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Only one side can be read here: Arthur J. Gallagher (AJG) reports EPS growth of -11.69%, ranked against its industry; American International (AIG) has no EPS growth figure this period.
Growth Metrics
| Metric | AIG | AJG |
|---|---|---|
| Revenue Growth (YoY) | -1.82% | 20.66% |
| Revenue Growth (3Y CAGR) | -3.69% | 17.70% |
| EPS Growth (YoY) | -- | -11.69% |
| EPS Growth (3Y CAGR) | -25.13% | 3.41% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American International (AIG) in Insurance and Arthur J. Gallagher (AJG) 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 International (AIG) in Insurance and Arthur J. Gallagher (AJG) 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 | AIG | AJG |
|---|---|---|
| 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 Arthur J. Gallagher (AJG) at 0.95% pays a more typical yield — both are credible income propositions, AIG the richer one.
AIG
Insurance industry group
2.35%
- Max
- 5.12%
- AIG
- 2.35%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
AJG
Insurance industry group
0.95%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- AJG
- 0.95%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
American International (AIG) at 31.00% pays out a band-typical share of earnings, while Arthur J. Gallagher (AJG) at 41.98% distributes more than its industry norm — less retained, thinner cover.
AIG
Insurance industry group
31.00%
- Max
- 76.67%
- Q3
- 35.18%
- AIG
- 31.00%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
AJG
Insurance industry group
41.98%
- Max
- 76.67%
- AJG
- 41.98%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AIG | AJG |
|---|---|---|
| Dividend Yield (TTM) | 2.35% | 0.95% |
| Dividend Payout Ratio (TTM) | 31.00% | 41.98% |
Valuation
P/E Ratio (TTM)
American International (AIG) at 12.68 is near its industry’s usual P/E ratio, while Arthur J. Gallagher (AJG) at 42.99 sits above its peer range — an unusually expensive price for AJG’s trailing earnings.
AIG
Insurance industry group
12.68
- Max
- 28.37
- Q3
- 18.75
- AIG
- 12.68
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
AJG
Insurance industry group
42.99
- AJG
- 42.99
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
American International (AIG) at 1.45 prices around its industry’s typical P/S ratio, while Arthur J. Gallagher (AJG) at 4.58 clears its benchmark range — AJG looks notably rich on sales.
AIG
Insurance industry group
1.45
- Max
- 4.03
- Q3
- 2.25
- AIG
- 1.45
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
AJG
Insurance industry group
4.58
- AJG
- 4.58
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
American International (AIG) at 1.04 looks cheap against book in the lower P/B ratio quartile, while Arthur J. Gallagher (AJG) at 3.00 carries a premium in the upper quartile — a clear price-to-book gap.
AIG
Insurance industry group
1.04
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- AIG
- 1.04
- Min
- 0.30
AJG
Insurance industry group
3.00
- Max
- 5.07
- AJG
- 3.00
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | AIG | AJG |
|---|---|---|
| P/E Ratio (TTM) | 12.68 | 42.99 |
| P/S Ratio (TTM) | 1.45 | 4.58 |
| P/B Ratio (MRQ) | 1.04 | 3.00 |
| Free Cash Flow Yield (TTM) | -- | -- |