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

Updated on July 7, 2025

Here’s a clear look at AIG and OXLCI, 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 OXLCI’s 12.36 billion USD, indicating a significant difference in their market valuations.

OXLCI carries a higher beta at 1.15, indicating it’s more sensitive to market moves, while AIG (beta: 0.66) exhibits greater stability.

Symbol	AIG	OXLCI
Company Name	American International Group, Inc.	Oxford Lane Capital Corp.
Country	US	US
Sector	Financial Services	Financial Services
Industry	Insurance - Diversified	Asset Management
CEO	Peter Salvatore Zaffino	Jonathan H. Cohen
Price	83.18 USD	25.66 USD
Market Cap	47.94 billion USD	12.36 billion USD
Beta	0.66	1.15
Exchange	NYSE	NASDAQ
IPO Date	January 2, 1973	January 21, 2011
ADR	No	No

Historical Performance

This chart compares the performance of AIG and OXLCI 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. OXLCI: Growth of a $10,000 investment over the past one year.

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.

OXLCI

13.36%

Asset Management Industry

Max: 34.25%
Q3: 18.22%
Median: 11.24%
Q1: 5.81%
Min: -5.72%

OXLCI’s Return on Equity of 13.36% is on par with the norm for the Asset Management industry, indicating its profitability relative to shareholder equity is typical for the sector.

AIG vs. OXLCI: A comparison of their ROE against their respective Insurance - Diversified and Asset Management industry benchmarks.

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.

OXLCI

179.90%

Asset Management Industry

Max: 42.18%
Q3: 20.06%
Median: 8.68%
Q1: 3.13%
Min: -16.42%

OXLCI’s Return on Invested Capital of 179.90% is exceptionally high, placing it well beyond the typical range for the Asset Management industry. This demonstrates an outstanding ability to deploy capital efficiently and create significant value.

AIG vs. OXLCI: A comparison of their ROIC against their respective Insurance - Diversified and Asset Management industry benchmarks.

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.

OXLCI

50.66%

Asset Management Industry

Max: 91.66%
Q3: 57.81%
Median: 29.48%
Q1: 15.70%
Min: -27.65%

OXLCI’s Net Profit Margin of 50.66% is aligned with the median group of its peers in the Asset Management industry. This indicates its ability to convert revenue into profit is typical for the sector.

AIG vs. OXLCI: A comparison of their Net Profit Margin against their respective Insurance - Diversified and Asset Management industry benchmarks.

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.

OXLCI

55.05%

Asset Management Industry

Max: 99.76%
Q3: 78.28%
Median: 34.76%
Q1: 21.75%
Min: -48.25%

OXLCI’s Operating Profit Margin of 55.05% is around the midpoint for the Asset Management industry, indicating that its efficiency in managing core business operations is typical for the sector.

AIG vs. OXLCI: A comparison of their Operating Margin against their respective Insurance - Diversified and Asset Management industry benchmarks.

Profitability at a Glance

Symbol	AIG	OXLCI
Return on Equity (TTM)	-4.43%	13.36%
Return on Assets (TTM)	-1.19%	8.32%
Return on Invested Capital (TTM)	10.39%	179.90%
Net Profit Margin (TTM)	-7.05%	50.66%
Operating Profit Margin (TTM)	13.31%	55.05%
Gross Profit Margin (TTM)	100.00%	63.36%

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.

OXLCI

Asset Management Industry

Max: 12.44
Q3: 5.76
Median: 3.04
Q1: 1.03
Min: 0.01

Current Ratio data for OXLCI is currently unavailable.

AIG vs. OXLCI: A comparison of their Current Ratio against their respective Insurance - Diversified and Asset Management industry benchmarks.

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.

OXLCI

0.37

Asset Management Industry

Max: 2.62
Q3: 1.42
Median: 0.76
Q1: 0.34
Min: 0.01

OXLCI’s Debt-to-Equity Ratio of 0.37 is typical for the Asset Management industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

AIG vs. OXLCI: A comparison of their D/E Ratio against their respective Insurance - Diversified and Asset Management industry benchmarks.

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.

OXLCI

Asset Management Industry

Max: 13.30
Q3: 6.30
Median: 2.71
Q1: 1.00
Min: -6.91

Interest Coverage Ratio data for OXLCI is currently unavailable.

AIG vs. OXLCI: A comparison of their Interest Coverage against their respective Insurance - Diversified and Asset Management industry benchmarks.

Financial Strength at a Glance

Symbol	AIG	OXLCI
Current Ratio (TTM)	--	--
Quick Ratio (TTM)	--	--
Debt-to-Equity Ratio (TTM)	0.21	0.37
Debt-to-Asset Ratio (TTM)	0.05	0.27
Net Debt-to-EBITDA Ratio (TTM)	0.96	4.44
Interest Coverage Ratio (TTM)	8.29	--

Growth

The following charts compare key year-over-year (YoY) growth metrics for AIG and OXLCI. These metrics are based on the companies’ annual financial reports.

Revenue Growth

AIG vs. OXLCI: A comparison of their annual year-over-year Revenue Growth.

Earnings Per Share (EPS) Growth

AIG vs. OXLCI: A comparison of their annual year-over-year Earnings Per Share (EPS) Growth.

Free Cash Flow Growth

AIG vs. OXLCI: A comparison of their annual year-over-year 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.

OXLCI

6.39%

Asset Management Industry

Max: 26.09%
Q3: 11.60%
Median: 6.37%
Q1: 2.75%
Min: 0.00%

OXLCI’s Dividend Yield of 6.39% is consistent with its peers in the Asset Management industry, providing a dividend return that is standard for its sector.

AIG vs. OXLCI: A comparison of their Dividend Yield against their respective Insurance - Diversified and Asset Management industry benchmarks.

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.

OXLCI

167.59%

Asset Management Industry

Max: 1,034.88%
Q3: 127.70%
Median: 75.15%
Q1: 34.21%
Min: 0.00%

OXLCI’s Dividend Payout Ratio of 167.59% is above 100%. This means the company is paying out more in dividends than it earned, a practice that is often unsustainable and could indicate a risk to future dividend stability.

AIG vs. OXLCI: A comparison of their Payout Ratio against their respective Insurance - Diversified and Asset Management industry benchmarks.

Dividend at a Glance

Symbol	AIG	OXLCI
Dividend Yield (TTM)	1.98%	6.39%
Dividend Payout Ratio (TTM)	-51.66%	167.59%

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.

OXLCI

34.91

Asset Management Industry

Max: 38.72
Q3: 23.40
Median: 11.45
Q1: 8.80
Min: 1.54

A P/E Ratio of 34.91 places OXLCI in the upper quartile for the Asset Management industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

AIG vs. OXLCI: A comparison of their P/E Ratio against their respective Insurance - Diversified and Asset Management industry benchmarks.

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.

OXLCI

1.40

Asset Management Industry

Max: 6.38
Q3: 3.23
Median: 1.55
Q1: 0.89
Min: 0.02

OXLCI’s Forward PEG Ratio of 1.40 is within the middle range of its peers in the Asset Management industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.

AIG vs. OXLCI: A comparison of their Forward PEG Ratio against their respective Insurance - Diversified and Asset Management industry benchmarks.

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.

OXLCI

33.76

Asset Management Industry

Max: 13.75
Q3: 7.92
Median: 4.87
Q1: 3.51
Min: 0.02

With a P/S Ratio of 33.76, OXLCI trades at a valuation that eclipses even the highest in the Asset Management industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

AIG vs. OXLCI: A comparison of their P/S Ratio against their respective Insurance - Diversified and Asset Management industry benchmarks.

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.

OXLCI

4.03

Asset Management Industry

Max: 5.33
Q3: 2.75
Median: 1.06
Q1: 0.87
Min: 0.00

The P/B Ratio is often not a primary valuation metric for the Asset Management industry.

AIG vs. OXLCI: A comparison of their P/B Ratio against their respective Insurance - Diversified and Asset Management industry benchmarks.

Valuation at a Glance

Symbol	AIG	OXLCI
Price-to-Earnings Ratio (P/E, TTM)	-25.70	34.91
Forward PEG Ratio (TTM)	-1.34	1.40
Price-to-Sales Ratio (P/S, TTM)	1.76	33.76
Price-to-Book Ratio (P/B, TTM)	1.19	4.03
Price-to-Free Cash Flow Ratio (P/FCF, TTM)	17.77	27.67
EV-to-EBITDA (TTM)	7.31	146.48
EV-to-Sales (TTM)	2.02	34.81