AIG vs. BRO: American International vs. Brown & Brown Stock Comparison
How do American International (AIG) and Brown & Brown (BRO) 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 Brown & Brown (BRO) both belong to the Insurance industry, though AIG is classified under Multi-line Insurance while BRO falls under Insurance Brokers.
| Profile Item | AIG | BRO |
|---|---|---|
| Name | American International Group, Inc. | Brown & Brown Inc. |
| 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 | 23.92 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 2, 1973 | February 11, 1981 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AIG | BRO |
|---|---|---|
| Total Return (1Y) | 5.79% | -8.59% |
| Total Return (3Y, Annualized) | 10.55% | 0.40% |
| Total Return (5Y, Annualized) | 8.67% | 3.19% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AIG | BRO |
|---|---|---|
| Volatility (1Y, Annualized) | 23.72% | 32.50% |
| Beta (5Y) | 0.47 | 0.51 |
| Max Drawdown (5Y) | -26.45% | -55.85% |
| Avg. Volume (3M) | 4.14M | 2.25M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AIG | BRO |
|---|---|---|
| Sharpe Ratio (1Y) | 0.06 | -0.40 |
| Sortino Ratio (1Y) | 0.09 | -0.57 |
Profitability
ROE (TTM)
Brown & Brown (BRO) at 9.80% 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.
AIG
Insurance industry group
8.23%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AIG
- 8.23%
- Min
- -10.66%
BRO
Insurance industry group
9.80%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- BRO
- 9.80%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Brown & Brown (BRO) at 17.88% retains a top-quartile share of revenue as profit, ahead of American International (AIG) at 11.84%, which keeps about the industry-typical share.
AIG
Insurance industry group
11.84%
- Max
- 29.92%
- Q3
- 17.03%
- AIG
- 11.84%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
BRO
Insurance industry group
17.88%
- Max
- 29.92%
- BRO
- 17.88%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for American International (AIG) in Insurance and Brown & Brown (BRO) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | AIG | BRO |
|---|---|---|
| ROE (TTM) | 8.23% | 9.80% |
| ROA (TTM) | 1.95% | 3.89% |
| Net Margin (TTM) | 11.84% | 17.88% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Brown & Brown (BRO) at 22.49% sits in the top revenue growth quartile, while American International (AIG) at -1.82% is in the bottom quartile, showing a clear gap in revenue momentum.
EPS Growth
Only one side can be read here: Brown & Brown (BRO) reports EPS growth of -8.67%, ranked against its industry; American International (AIG) has no EPS growth figure this period.
Growth Metrics
| Metric | AIG | BRO |
|---|---|---|
| Revenue Growth (YoY) | -1.82% | 22.49% |
| Revenue Growth (3Y CAGR) | -3.69% | 17.38% |
| EPS Growth (YoY) | -- | -8.67% |
| EPS Growth (3Y CAGR) | -25.13% | 10.06% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American International (AIG) in Insurance and Brown & Brown (BRO) 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 Brown & Brown (BRO) 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 | BRO |
|---|---|---|
| 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 Brown & Brown (BRO) at 0.89% 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%
BRO
Insurance industry group
0.89%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- BRO
- 0.89%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both American International (AIG) at 31.00% and Brown & Brown (BRO) at 20.89% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
AIG
Insurance industry group
31.00%
- Max
- 76.67%
- Q3
- 35.18%
- AIG
- 31.00%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
BRO
Insurance industry group
20.89%
- Max
- 76.67%
- Q3
- 35.18%
- BRO
- 20.89%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AIG | BRO |
|---|---|---|
| Dividend Yield (TTM) | 2.35% | 0.89% |
| Dividend Payout Ratio (TTM) | 31.00% | 20.89% |
Valuation
P/E Ratio (TTM)
American International (AIG) at 12.68 is near its industry’s usual P/E ratio, while Brown & Brown (BRO) at 22.82 sits in the richer quartile — BRO needs stronger growth or earnings quality to justify the premium.
AIG
Insurance industry group
12.68
- Max
- 28.37
- Q3
- 18.75
- AIG
- 12.68
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
BRO
Insurance industry group
22.82
- Max
- 28.37
- BRO
- 22.82
- Q3
- 18.75
- 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 Brown & Brown (BRO) at 3.51 sits in the pricier quartile — BRO costs more per dollar of 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
BRO
Insurance industry group
3.51
- Max
- 4.03
- BRO
- 3.51
- Q3
- 2.25
- 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 Brown & Brown (BRO) at 1.87 is valued near its industry’s middle — AIG is cheaper on assets, though weigh it against ROE and asset quality.
AIG
Insurance industry group
1.04
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- AIG
- 1.04
- Min
- 0.30
BRO
Insurance industry group
1.87
- Max
- 5.07
- Q3
- 2.79
- BRO
- 1.87
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | AIG | BRO |
|---|---|---|
| P/E Ratio (TTM) | 12.68 | 22.82 |
| P/S Ratio (TTM) | 1.45 | 3.51 |
| P/B Ratio (MRQ) | 1.04 | 1.87 |
| Free Cash Flow Yield (TTM) | -- | -- |