AIG vs. PRH: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AIG and PRH, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AIG’s market capitalization stands at 47.94 billion USD, while PRH’s is 38.23 billion USD, indicating their market valuations are broadly comparable.
AIG’s beta of 0.66 points to significantly higher volatility compared to PRH (beta: 0.31), suggesting AIG has greater potential for both gains and losses relative to market movements.
| Symbol | AIG | PRH |
|---|---|---|
| Company Name | American International Group, Inc. | Prudential Financial, Inc. 5.95 |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Insurance - Life |
| CEO | Peter Salvatore Zaffino | Charles Frederick Lowrey |
| Price | 83.18 USD | 25.21 USD |
| Market Cap | 47.94 billion USD | 38.23 billion USD |
| Beta | 0.66 | 0.31 |
| Exchange | NYSE | NYSE |
| IPO Date | January 2, 1973 | August 22, 2022 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AIG and PRH 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.
PRH
-18.64%
Insurance - Life Industry
- Max
- 23.38%
- Q3
- 14.56%
- Median
- 11.23%
- Q1
- 1.67%
- Min
- -5.23%
PRH has a negative Return on Equity of -18.64%. 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.
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.
PRH
44.99%
Insurance - Life Industry
- Max
- 6.30%
- Q3
- 3.33%
- Median
- 2.16%
- Q1
- 0.68%
- Min
- -0.10%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Life 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.
PRH
3.81%
Insurance - Life Industry
- Max
- 21.20%
- Q3
- 11.59%
- Median
- 7.10%
- Q1
- 3.79%
- Min
- 2.14%
PRH’s Net Profit Margin of 3.81% is aligned with the median group of its peers in the Insurance - Life industry. This indicates its ability to convert revenue into profit is typical for the sector.
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.
PRH
37.35%
Insurance - Life Industry
- Max
- 38.96%
- Q3
- 37.28%
- Median
- 14.06%
- Q1
- 8.95%
- Min
- -1.68%
In the Insurance - Life industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | AIG | PRH |
|---|---|---|
| Return on Equity (TTM) | -4.43% | -18.64% |
| Return on Assets (TTM) | -1.19% | 0.31% |
| Return on Invested Capital (TTM) | 10.39% | 44.99% |
| Net Profit Margin (TTM) | -7.05% | 3.81% |
| Operating Profit Margin (TTM) | 13.31% | 37.35% |
| Gross Profit Margin (TTM) | 100.00% | 81.26% |
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.
PRH
3.15
Insurance - Life Industry
- Max
- 843.97
- Q3
- 821.68
- Median
- 6.06
- Q1
- 3.15
- Min
- 0.47
PRH’s Current Ratio of 3.15 aligns with the median group of the Insurance - Life 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
- 0.27
- 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.
PRH
10.37
Insurance - Life Industry
- Max
- 0.86
- Q3
- 0.83
- Median
- 0.55
- Q1
- 0.37
- Min
- 0.27
With a Debt-to-Equity Ratio of 10.37, PRH operates with exceptionally high leverage compared to the Insurance - Life industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.
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.
PRH
--
Insurance - Life Industry
- Max
- 37.82
- Q3
- 19.50
- Median
- 6.25
- Q1
- 2.29
- Min
- -0.76
Interest Coverage Ratio data for PRH is currently unavailable.
Financial Strength at a Glance
| Symbol | AIG | PRH |
|---|---|---|
| Current Ratio (TTM) | -- | 3.15 |
| Quick Ratio (TTM) | -- | 3.15 |
| Debt-to-Equity Ratio (TTM) | 0.21 | 10.37 |
| Debt-to-Asset Ratio (TTM) | 0.05 | 0.03 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.96 | 11.17 |
| Interest Coverage Ratio (TTM) | 8.29 | -- |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AIG and PRH. 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.
PRH
5.90%
Insurance - Life Industry
- Max
- 10.36%
- Q3
- 4.76%
- Median
- 2.40%
- Q1
- 1.51%
- Min
- 0.00%
With a Dividend Yield of 5.90%, PRH offers a more attractive income stream than most of its peers in the Insurance - Life industry, signaling a strong commitment to shareholder returns.
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.
PRH
82.49%
Insurance - Life Industry
- Max
- 203.94%
- Q3
- 64.38%
- Median
- 29.88%
- Q1
- 19.14%
- Min
- 0.00%
PRH’s Dividend Payout Ratio of 82.49% is in the upper quartile for the Insurance - Life industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
Dividend at a Glance
| Symbol | AIG | PRH |
|---|---|---|
| Dividend Yield (TTM) | 1.98% | 5.90% |
| Dividend Payout Ratio (TTM) | -51.66% | 82.49% |
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.
PRH
3.92
Insurance - Life Industry
- Max
- 17.82
- Q3
- 16.08
- Median
- 12.43
- Q1
- 7.33
- Min
- 3.69
In the lower quartile for the Insurance - Life industry, PRH’s P/E Ratio of 3.92 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
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.
PRH
0.52
Insurance - Life Industry
- Max
- 3.81
- Q3
- 1.95
- Median
- 0.97
- Q1
- 0.53
- Min
- 0.24
In the lower quartile for the Insurance - Life industry, PRH’s Forward PEG Ratio of 0.52 is a positive indicator. It suggests that the stock may be attractively valued relative to its expected earnings growth.
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.
PRH
0.63
Insurance - Life Industry
- Max
- 3.84
- Q3
- 2.89
- Median
- 1.06
- Q1
- 0.63
- Min
- 0.31
PRH’s P/S Ratio of 0.63 aligns with the market consensus for the Insurance - Life industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
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.
PRH
4.46
Insurance - Life Industry
- Max
- 3.87
- Q3
- 2.13
- Median
- 1.49
- Q1
- 0.95
- Min
- 0.38
At 4.46, PRH’s P/B Ratio is at an extreme premium to the Insurance - Life industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | AIG | PRH |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | -25.70 | 3.92 |
| Forward PEG Ratio (TTM) | -1.34 | 0.52 |
| Price-to-Sales Ratio (P/S, TTM) | 1.76 | 0.63 |
| Price-to-Book Ratio (P/B, TTM) | 1.19 | 4.46 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 17.77 | 49.33 |
| EV-to-EBITDA (TTM) | 7.31 | 98.65 |
| EV-to-Sales (TTM) | 2.02 | 0.71 |