AIG vs. FUTU: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AIG and FUTU, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AIG’s market capitalization of 47.94 billion USD is substantially larger than FUTU’s 2.14 billion USD, indicating a significant difference in their market valuations.
With betas of 0.66 for AIG and 0.56 for FUTU, both stocks show similar sensitivity to overall market movements.
FUTU is an American Depositary Receipt (ADR), allowing U.S. investors direct exposure to its non-U.S. operations. AIG, on the other hand, is a domestic entity.
| Symbol | AIG | FUTU |
|---|---|---|
| Company Name | American International Group, Inc. | Futu Holdings Limited |
| Country | US | HK |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Financial - Capital Markets |
| CEO | Peter Salvatore Zaffino | Hua Li |
| Price | 83.18 USD | 121.79 USD |
| Market Cap | 47.94 billion USD | 2.14 billion USD |
| Beta | 0.66 | 0.56 |
| Exchange | NYSE | NASDAQ |
| IPO Date | January 2, 1973 | March 8, 2019 |
| ADR | No | Yes |
Historical Performance
This chart compares the performance of AIG and FUTU 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.
Profitability
Return on Equity
AIG
-4.43%
Insurance - Diversified Industry
- Max
- 19.59%
- Q3
- 17.66%
- Median
- 12.77%
- Q1
- 7.56%
- Min
- -4.43%
AIG has a negative Return on Equity of -4.43%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.
FUTU
23.06%
Financial - Capital Markets Industry
- Max
- 42.02%
- Q3
- 20.69%
- Median
- 13.73%
- Q1
- 3.33%
- Min
- -21.32%
In the upper quartile for the Financial - Capital Markets industry, FUTU’s Return on Equity of 23.06% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Return on Invested Capital
AIG
10.39%
Insurance - Diversified Industry
- Max
- 32.46%
- Q3
- 16.21%
- Median
- 9.46%
- Q1
- 2.09%
- Min
- -10.51%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Diversified industry.
FUTU
16.33%
Financial - Capital Markets Industry
- Max
- 30.24%
- Q3
- 13.34%
- Median
- 6.20%
- Q1
- -1.71%
- Min
- -16.91%
Return on Invested Capital is often not a primary measure of capital efficiency in the Financial - Capital Markets industry.
Net Profit Margin
AIG
-7.05%
Insurance - Diversified Industry
- Max
- 26.00%
- Q3
- 19.46%
- Median
- 9.37%
- Q1
- 5.55%
- Min
- -7.05%
AIG has a negative Net Profit Margin of -7.05%, indicating the company is operating at a net loss as its expenses exceeded its revenues.
FUTU
45.53%
Financial - Capital Markets Industry
- Max
- 28.67%
- Q3
- 13.52%
- Median
- 10.47%
- Q1
- 0.24%
- Min
- -9.55%
FUTU’s Net Profit Margin of 45.53% is exceptionally high, placing it well beyond the typical range for the Financial - Capital Markets industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.
Operating Profit Margin
AIG
13.31%
Insurance - Diversified Industry
- Max
- 44.52%
- Q3
- 25.84%
- Median
- 14.16%
- Q1
- 6.78%
- Min
- -2.60%
AIG’s Operating Profit Margin of 13.31% is around the midpoint for the Insurance - Diversified industry, indicating that its efficiency in managing core business operations is typical for the sector.
FUTU
56.40%
Financial - Capital Markets Industry
- Max
- 56.86%
- Q3
- 25.29%
- Median
- 15.90%
- Q1
- 0.51%
- Min
- -19.18%
An Operating Profit Margin of 56.40% places FUTU in the upper quartile for the Financial - Capital Markets industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | AIG | FUTU |
|---|---|---|
| Return on Equity (TTM) | -4.43% | 23.06% |
| Return on Assets (TTM) | -1.19% | 3.63% |
| Return on Invested Capital (TTM) | 10.39% | 16.33% |
| Net Profit Margin (TTM) | -7.05% | 45.53% |
| Operating Profit Margin (TTM) | 13.31% | 56.40% |
| Gross Profit Margin (TTM) | 100.00% | 90.13% |
Financial Strength
Current Ratio
AIG
--
Insurance - Diversified Industry
- Max
- 4.41
- Q3
- 4.03
- Median
- 2.86
- Q1
- 2.82
- Min
- 2.82
Current Ratio data for AIG is currently unavailable.
FUTU
1.18
Financial - Capital Markets Industry
- Max
- 4.60
- Q3
- 3.24
- Median
- 1.32
- Q1
- 0.96
- Min
- 0.05
For the Financial - Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio
AIG
0.21
Insurance - Diversified Industry
- Max
- 0.54
- Q3
- 0.39
- Median
- 0.27
- Q1
- 0.21
- Min
- 0.13
AIG’s Debt-to-Equity Ratio of 0.21 is typical for the Insurance - Diversified industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
FUTU
0.37
Financial - Capital Markets Industry
- Max
- 3.63
- Q3
- 1.68
- Median
- 0.37
- Q1
- 0.09
- Min
- 0.00
FUTU’s Debt-to-Equity Ratio of 0.37 is typical for the Financial - Capital Markets industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio
AIG
8.29
Insurance - Diversified Industry
- Max
- 19.23
- Q3
- 17.46
- Median
- 7.97
- Q1
- 4.61
- Min
- -1.63
AIG’s Interest Coverage Ratio of 8.29 is positioned comfortably within the norm for the Insurance - Diversified industry, indicating a standard and healthy capacity to cover its interest payments.
FUTU
--
Financial - Capital Markets Industry
- Max
- 12.71
- Q3
- 7.94
- Median
- 1.92
- Q1
- 0.24
- Min
- -7.71
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial - Capital Markets industry.
Financial Strength at a Glance
| Symbol | AIG | FUTU |
|---|---|---|
| Current Ratio (TTM) | -- | 1.18 |
| Quick Ratio (TTM) | -- | 1.18 |
| Debt-to-Equity Ratio (TTM) | 0.21 | 0.37 |
| Debt-to-Asset Ratio (TTM) | 0.05 | 0.06 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.96 | 0.58 |
| Interest Coverage Ratio (TTM) | 8.29 | -- |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AIG and FUTU. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AIG
1.98%
Insurance - Diversified Industry
- Max
- 8.16%
- Q3
- 5.54%
- Median
- 2.46%
- Q1
- 1.59%
- Min
- 0.00%
AIG’s Dividend Yield of 1.98% is consistent with its peers in the Insurance - Diversified industry, providing a dividend return that is standard for its sector.
FUTU
1.60%
Financial - Capital Markets Industry
- Max
- 5.86%
- Q3
- 1.74%
- Median
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
FUTU’s Dividend Yield of 1.60% is consistent with its peers in the Financial - Capital Markets industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio
AIG
-51.66%
Insurance - Diversified Industry
- Max
- 101.86%
- Q3
- 53.36%
- Median
- 21.69%
- Q1
- 5.33%
- Min
- 0.00%
AIG has a negative Dividend Payout Ratio of -51.66%. This typically means the company paid a dividend despite reporting a net loss, a situation that may signal financial instability.
FUTU
0.00%
Financial - Capital Markets Industry
- Max
- 128.06%
- Q3
- 43.11%
- Median
- 12.56%
- Q1
- 0.00%
- Min
- 0.00%
FUTU has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | AIG | FUTU |
|---|---|---|
| Dividend Yield (TTM) | 1.98% | 1.60% |
| Dividend Payout Ratio (TTM) | -51.66% | 0.00% |
Valuation
Price-to-Earnings Ratio
AIG
-25.70
Insurance - Diversified Industry
- Max
- 18.52
- Q3
- 16.13
- Median
- 13.33
- Q1
- 9.73
- Min
- 2.62
AIG has a negative P/E Ratio of -25.70. This occurs when a company has negative earnings (a net loss), making the ratio unsuitable for valuation analysis.
FUTU
20.31
Financial - Capital Markets Industry
- Max
- 42.65
- Q3
- 29.09
- Median
- 20.52
- Q1
- 14.58
- Min
- 8.28
FUTU’s P/E Ratio of 20.31 is within the middle range for the Financial - Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Forward P/E to Growth Ratio
AIG
-1.34
Insurance - Diversified Industry
- Max
- 2.60
- Q3
- 2.07
- Median
- 1.20
- Q1
- 0.77
- Min
- 0.04
AIG has a negative Forward PEG Ratio of -1.34. This typically results from negative earnings or forecasts of declining future earnings, making the ratio not meaningful for valuation.
FUTU
1.24
Financial - Capital Markets Industry
- Max
- 4.05
- Q3
- 2.46
- Median
- 1.52
- Q1
- 0.78
- Min
- 0.02
FUTU’s Forward PEG Ratio of 1.24 is within the middle range of its peers in the Financial - Capital Markets industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
AIG
1.76
Insurance - Diversified Industry
- Max
- 3.08
- Q3
- 2.00
- Median
- 1.15
- Q1
- 1.07
- Min
- 0.38
AIG’s P/S Ratio of 1.76 aligns with the market consensus for the Insurance - Diversified industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
FUTU
1.17
Financial - Capital Markets Industry
- Max
- 14.34
- Q3
- 7.63
- Median
- 2.98
- Q1
- 1.50
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial - Capital Markets industry.
Price-to-Book Ratio
AIG
1.19
Insurance - Diversified Industry
- Max
- 2.12
- Q3
- 1.80
- Median
- 1.59
- Q1
- 1.29
- Min
- 0.74
AIG’s P/B Ratio of 1.19 is in the lower quartile for the Insurance - Diversified 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.
FUTU
4.39
Financial - Capital Markets Industry
- Max
- 9.60
- Q3
- 6.00
- Median
- 2.91
- Q1
- 1.84
- Min
- 0.53
FUTU’s P/B Ratio of 4.39 is within the conventional range for the Financial - Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | AIG | FUTU |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | -25.70 | 20.31 |
| Forward PEG Ratio (TTM) | -1.34 | 1.24 |
| Price-to-Sales Ratio (P/S, TTM) | 1.76 | 1.17 |
| Price-to-Book Ratio (P/B, TTM) | 1.19 | 4.39 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 17.77 | -- |
| EV-to-EBITDA (TTM) | 7.31 | 2.65 |
| EV-to-Sales (TTM) | 2.02 | 1.50 |