AIG vs. HBAN: A Head-to-Head Stock Comparison
UpdatedHere’s a clear look at AIG and HBAN, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AIG’s market capitalization of 48.54 billion USD is substantially larger than HBAN’s 22.55 billion USD, indicating a significant difference in their market valuations.
With betas of 0.66 for AIG and 0.94 for HBAN, both stocks show similar sensitivity to overall market movements.
| Symbol | AIG | HBAN |
|---|---|---|
| Company Name | American International Group, Inc. | Huntington Bancshares Incorporated |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Banks - Regional |
| CEO | Mr. Peter Salvatore Zaffino | Mr. Stephen D. Steinour |
| Price | 84.22 USD | 15.48 USD |
| Market Cap | 48.54 billion USD | 22.55 billion USD |
| Beta | 0.66 | 0.94 |
| Exchange | NYSE | NASDAQ |
| IPO Date | January 2, 1973 | March 17, 1980 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AIG and HBAN over the past year by tracking the growth of an initial $10,000 investment in each (starting one year ago).
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AIG
-4.43%
Insurance - Diversified Industry
- Max
- 19.59%
- Q3
- 17.66%
- Median
- 12.74%
- Q1
- 6.06%
- Min
- -10.03%
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.
HBAN
10.20%
Banks - Regional Industry
- Max
- 19.20%
- Q3
- 11.18%
- Median
- 8.61%
- Q1
- 5.14%
- Min
- -3.89%
HBAN’s Return on Equity of 10.20% is on par with the norm for the Banks - Regional industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
AIG
10.39%
Insurance - Diversified Industry
- Max
- 23.05%
- Q3
- 12.98%
- Median
- 2.39%
- Q1
- 0.63%
- Min
- -12.89%
Return on Invested Capital is not a primary measure of capital efficiency for companies in the Insurance - Diversified industry.
HBAN
2.47%
Banks - Regional Industry
- Max
- 21.88%
- Q3
- 9.48%
- Median
- 3.40%
- Q1
- 0.90%
- Min
- -10.34%
Return on Invested Capital is not a primary measure of capital efficiency for companies in the Banks - Regional industry.
Net Profit Margin
AIG
-7.05%
Insurance - Diversified Industry
- Max
- 26.00%
- Q3
- 14.44%
- Median
- 9.37%
- Q1
- 4.68%
- 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 exceed revenues.
HBAN
27.12%
Banks - Regional Industry
- Max
- 39.07%
- Q3
- 24.30%
- Median
- 18.46%
- Q1
- 11.92%
- Min
- -5.52%
HBAN’s Net Profit Margin of 27.12% is in the upper quartile for the Banks - Regional industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin
AIG
13.31%
Insurance - Diversified Industry
- Max
- 44.52%
- Q3
- 25.84%
- Median
- 13.31%
- Q1
- 6.39%
- Min
- -2.60%
AIG’s Operating Profit Margin of 13.31% hovers around the midpoint for the Insurance - Diversified industry, indicating that its efficiency in managing core business operations is characteristic of the sector.
HBAN
17.81%
Banks - Regional Industry
- Max
- 66.77%
- Q3
- 36.57%
- Median
- 24.30%
- Q1
- 16.31%
- Min
- -11.48%
HBAN’s Operating Profit Margin of 17.81% hovers around the midpoint for the Banks - Regional industry, indicating that its efficiency in managing core business operations is characteristic of the sector.
Profitability at a Glance
| Symbol | AIG | HBAN |
|---|---|---|
| Return on Equity (TTM) | -4.43% | 10.20% |
| Return on Assets (TTM) | -1.19% | 0.98% |
| Return on Invested Capital (TTM) | 10.39% | 2.47% |
| Net Profit Margin (TTM) | -7.05% | 27.12% |
| Operating Profit Margin (TTM) | 13.31% | 17.81% |
| Gross Profit Margin (TTM) | 100.00% | 115.59% |
Financial Strength
Current Ratio
AIG
--
Insurance - Diversified Industry
- Max
- 6.35
- Q3
- 5.38
- Median
- 3.12
- Q1
- 2.83
- Min
- 0.21
Current Ratio data for AIG is currently unavailable.
HBAN
0.16
Banks - Regional Industry
- Max
- 18.13
- Q3
- 7.94
- Median
- 0.32
- Q1
- 0.15
- Min
- 0.01
HBAN’s Current Ratio of 0.16 aligns with the median group of the Banks - Regional industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio
AIG
0.21
Insurance - Diversified Industry
- Max
- 0.54
- Q3
- 0.39
- Median
- 0.26
- Q1
- 0.20
- Min
- 0.05
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.
HBAN
0.92
Banks - Regional Industry
- Max
- 1.85
- Q3
- 0.88
- Median
- 0.44
- Q1
- 0.20
- Min
- 0.00
HBAN’s Debt-to-Equity Ratio of 0.92 is in the upper quartile for the Banks - Regional industry, indicating that its leverage is higher than the majority of its peers. While this can boost shareholder equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
AIG
8.29
Insurance - Diversified Industry
- Max
- 73.83
- Q3
- 30.59
- Median
- 8.22
- Q1
- 1.54
- Min
- -17.11
AIG’s Interest Coverage Ratio of 8.29 is positioned near the center of the pack in the Insurance - Diversified industry, indicating a standard and healthy capacity to cover its interest payments.
HBAN
0.30
Banks - Regional Industry
- Max
- 2.36
- Q3
- 1.16
- Median
- 0.64
- Q1
- 0.34
- Min
- -0.67
HBAN’s Interest Coverage Ratio is 0.30. A value below 1.0 means operating earnings are insufficient to cover interest expenses, indicating severe financial strain and high default risk.
Financial Strength at a Glance
| Symbol | AIG | HBAN |
|---|---|---|
| Current Ratio (TTM) | -- | 0.16 |
| Quick Ratio (TTM) | -- | 0.16 |
| Debt-to-Equity Ratio (TTM) | 0.21 | 0.92 |
| Debt-to-Asset Ratio (TTM) | 0.05 | 0.09 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.96 | 1.84 |
| Interest Coverage Ratio (TTM) | 8.29 | 0.30 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AIG and HBAN. These metrics are based on the companies’ annual financial reports.
Revenue Growth (YoY)
EPS Growth (YoY)
Free Cash Flow Growth (YoY)
Dividend
Dividend Yield
AIG
1.96%
Insurance - Diversified Industry
- Max
- 8.44%
- Q3
- 6.05%
- Median
- 2.49%
- Q1
- 0.59%
- Min
- 0.00%
AIG’s Dividend Yield of 1.96% is consistent with its sector peers in the Insurance - Diversified industry, providing a dividend return that is standard for the category.
HBAN
4.01%
Banks - Regional Industry
- Max
- 8.30%
- Q3
- 3.99%
- Median
- 2.96%
- Q1
- 1.06%
- Min
- 0.00%
HBAN’s Dividend Yield of 4.01% is in the upper quartile for the Banks - Regional industry, offering a more attractive income stream than most of its peers and signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
AIG
-51.66%
Insurance - Diversified Industry
- Max
- 101.86%
- Q3
- 51.44%
- Median
- 19.61%
- Q1
- 0.00%
- Min
- 0.00%
AIG has a negative Dividend Payout Ratio of -51.66%. This typically indicates the company paid a dividend despite reporting a net loss, which may be a sign of financial stress.
HBAN
50.63%
Banks - Regional Industry
- Max
- 94.45%
- Q3
- 50.86%
- Median
- 32.93%
- Q1
- 17.54%
- Min
- 0.00%
HBAN’s payout ratio of 50.63% is within the interquartile range for the Banks - Regional industry, suggesting a balanced and sustainable approach to dividing profits between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AIG | HBAN |
|---|---|---|
| Dividend Yield (TTM) | 1.96% | 4.01% |
| Dividend Payout Ratio (TTM) | -51.66% | 50.63% |
Valuation
Price-to-Earnings Ratio
AIG
-31.49
Insurance - Diversified Industry
- Max
- 26.30
- Q3
- 15.62
- Median
- 12.04
- Q1
- 6.15
- Min
- 0.94
AIG has a negative P/E Ratio of -31.49. This occurs when a company has negative earnings (a net loss) and makes the ratio unsuitable for valuation analysis.
HBAN
10.99
Banks - Regional Industry
- Max
- 24.40
- Q3
- 15.89
- Median
- 11.66
- Q1
- 9.89
- Min
- 2.09
HBAN’s P/E Ratio of 10.99 is within the middle range for the Banks - Regional 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
-1.65
Insurance - Diversified Industry
- Max
- 2.50
- Q3
- 1.71
- Median
- 1.16
- Q1
- 0.45
- Min
- 0.00
AIG has a negative Forward PEG Ratio of -1.65. This typically results from negative earnings or forecasts of declining future earnings, making the ratio not meaningful for valuation.
HBAN
1.02
Banks - Regional Industry
- Max
- 4.29
- Q3
- 2.10
- Median
- 1.04
- Q1
- 0.60
- Min
- 0.00
HBAN’s Forward PEG Ratio of 1.02 is within the middle range for the Banks - Regional industry. This suggests a reasonable balance between the stock‘s price and its expected growth, aligning with the valuation norms of its peers.
Price-to-Sales Ratio
AIG
1.78
Insurance - Diversified Industry
- Max
- 3.01
- Q3
- 1.89
- Median
- 1.08
- Q1
- 0.75
- Min
- 0.11
AIG’s P/S Ratio of 1.78 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.
HBAN
2.99
Banks - Regional Industry
- Max
- 4.65
- Q3
- 2.99
- Median
- 2.35
- Q1
- 1.82
- Min
- 0.11
HBAN’s P/S Ratio of 2.99 is in the upper echelon for the Banks - Regional industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio
AIG
1.46
Insurance - Diversified Industry
- Max
- 2.14
- Q3
- 1.61
- Median
- 1.46
- Q1
- 0.75
- Min
- 0.07
AIG’s P/B Ratio of 1.46 is within the conventional range for the Insurance - Diversified 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.
HBAN
1.10
Banks - Regional Industry
- Max
- 1.77
- Q3
- 1.18
- Median
- 0.97
- Q1
- 0.79
- Min
- 0.21
HBAN’s P/B Ratio of 1.10 is within the conventional range for the Banks - Regional 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 | HBAN |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | -31.49 | 10.99 |
| Forward PEG Ratio (TTM) | -1.65 | 1.02 |
| Price-to-Sales Ratio (P/S, TTM) | 1.78 | 2.99 |
| Price-to-Book Ratio (P/B, TTM) | 1.46 | 1.10 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 17.99 | 13.42 |
| EV-to-EBITDA (TTM) | 7.39 | 16.46 |
| EV-to-Sales (TTM) | 2.04 | 3.36 |