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

Updated on July 7, 2025

Here’s a clear look at AIG and RKT, 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 RKT’s 28.48 billion USD, indicating a significant difference in their market valuations.

RKT carries a higher beta at 2.28, indicating it’s more sensitive to market moves, while AIG (beta: 0.66) exhibits greater stability.

Symbol	AIG	RKT
Company Name	American International Group, Inc.	Rocket Companies, Inc.
Country	US	US
Sector	Financial Services	Financial Services
Industry	Insurance - Diversified	Financial - Mortgages
CEO	Peter Salvatore Zaffino	Varun Krishna
Price	83.18 USD	14.24 USD
Market Cap	47.94 billion USD	28.48 billion USD
Beta	0.66	2.28
Exchange	NYSE	NYSE
IPO Date	January 2, 1973	August 6, 2020
ADR	No	No

Historical Performance

This chart compares the performance of AIG and RKT 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. RKT: 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.

RKT

0.43%

Financial - Mortgages Industry

Max: 13.67%
Q3: 8.34%
Median: 5.17%
Q1: 1.25%
Min: 0.43%

RKT’s Return on Equity of 0.43% is in the lower quartile for the Financial - Mortgages industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

AIG vs. RKT: A comparison of their ROE against their respective Insurance - Diversified and Financial - Mortgages 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.

RKT

0.53%

Financial - Mortgages Industry

Max: 5.70%
Q3: 5.19%
Median: 3.06%
Q1: 1.74%
Min: 0.53%

Return on Invested Capital is often not a primary measure of capital efficiency in the Financial - Mortgages industry.

AIG vs. RKT: A comparison of their ROIC against their respective Insurance - Diversified and Financial - Mortgages 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.

RKT

0.05%

Financial - Mortgages Industry

Max: 23.74%
Q3: 12.13%
Median: 3.31%
Q1: 0.50%
Min: -8.40%

Falling into the lower quartile for the Financial - Mortgages industry, RKT’s Net Profit Margin of 0.05% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

AIG vs. RKT: A comparison of their Net Profit Margin against their respective Insurance - Diversified and Financial - Mortgages 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.

RKT

2.89%

Financial - Mortgages Industry

Max: 52.12%
Q3: 29.77%
Median: 12.64%
Q1: 9.22%
Min: 2.89%

In the Financial - Mortgages industry, Operating Profit Margin is often not the primary measure of operational efficiency.

AIG vs. RKT: A comparison of their Operating Margin against their respective Insurance - Diversified and Financial - Mortgages industry benchmarks.

Profitability at a Glance

Symbol	AIG	RKT
Return on Equity (TTM)	-4.43%	0.43%
Return on Assets (TTM)	-1.19%	0.01%
Return on Invested Capital (TTM)	10.39%	0.53%
Net Profit Margin (TTM)	-7.05%	0.05%
Operating Profit Margin (TTM)	13.31%	2.89%
Gross Profit Margin (TTM)	100.00%	90.49%

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.

RKT

0.43

Financial - Mortgages Industry

Max: 1.56
Q3: 1.28
Median: 0.56
Q1: 0.42
Min: 0.18

For the Financial - Mortgages industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AIG vs. RKT: A comparison of their Current Ratio against their respective Insurance - Diversified and Financial - Mortgages 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.

RKT

25.35

Financial - Mortgages Industry

Max: 28.70
Q3: 26.19
Median: 12.98
Q1: 1.97
Min: 0.28

RKT’s Debt-to-Equity Ratio of 25.35 is typical for the Financial - Mortgages industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

AIG vs. RKT: A comparison of their D/E Ratio against their respective Insurance - Diversified and Financial - Mortgages 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.

RKT

0.30

Financial - Mortgages Industry

Max: 1.52
Q3: 1.23
Median: 0.75
Q1: 0.30
Min: 0.30

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial - Mortgages industry.

AIG vs. RKT: A comparison of their Interest Coverage against their respective Insurance - Diversified and Financial - Mortgages industry benchmarks.

Financial Strength at a Glance

Symbol	AIG	RKT
Current Ratio (TTM)	--	0.43
Quick Ratio (TTM)	--	0.43
Debt-to-Equity Ratio (TTM)	0.21	25.35
Debt-to-Asset Ratio (TTM)	0.05	0.59
Net Debt-to-EBITDA Ratio (TTM)	0.96	51.64
Interest Coverage Ratio (TTM)	8.29	0.30

Growth

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

Revenue Growth

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

Earnings Per Share (EPS) Growth

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

Free Cash Flow Growth

AIG vs. RKT: 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.

RKT

5.62%

Financial - Mortgages Industry

Max: 9.76%
Q3: 3.44%
Median: 0.61%
Q1: 0.00%
Min: 0.00%

With a Dividend Yield of 5.62%, RKT offers a more attractive income stream than most of its peers in the Financial - Mortgages industry, signaling a strong commitment to shareholder returns.

AIG vs. RKT: A comparison of their Dividend Yield against their respective Insurance - Diversified and Financial - Mortgages 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.

RKT

0.00%

Financial - Mortgages Industry

Max: 809.09%
Q3: 90.46%
Median: 3.86%
Q1: 0.00%
Min: 0.00%

RKT 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.

AIG vs. RKT: A comparison of their Payout Ratio against their respective Insurance - Diversified and Financial - Mortgages industry benchmarks.

Dividend at a Glance

Symbol	AIG	RKT
Dividend Yield (TTM)	1.98%	5.62%
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.

RKT

758.84

Financial - Mortgages Industry

Max: 27.35
Q3: 24.60
Median: 19.38
Q1: 13.85
Min: 9.11

At 758.84, RKT’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial - Mortgages industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

AIG vs. RKT: A comparison of their P/E Ratio against their respective Insurance - Diversified and Financial - Mortgages 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.

RKT

16.55

Financial - Mortgages Industry

Max: 3.27
Q3: 1.67
Median: 0.90
Q1: 0.60
Min: 0.34

RKT’s Forward PEG Ratio of 16.55 is exceptionally high for the Financial - Mortgages industry. This suggests its stock price is very high relative to its expected earnings growth, signaling significant overvaluation risk.

AIG vs. RKT: A comparison of their Forward PEG Ratio against their respective Insurance - Diversified and Financial - Mortgages 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.

RKT

5.62

Financial - Mortgages Industry

Max: 5.61
Q3: 3.48
Median: 1.83
Q1: 0.79
Min: 0.28

The P/S Ratio is often not a primary valuation tool in the Financial - Mortgages industry.

AIG vs. RKT: A comparison of their P/S Ratio against their respective Insurance - Diversified and Financial - Mortgages 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.

RKT

3.60

Financial - Mortgages Industry

Max: 1.94
Q3: 1.80
Median: 1.23
Q1: 1.05
Min: 0.58

At 3.60, RKT’s P/B Ratio is at an extreme premium to the Financial - Mortgages 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.

AIG vs. RKT: A comparison of their P/B Ratio against their respective Insurance - Diversified and Financial - Mortgages industry benchmarks.

Valuation at a Glance

Symbol	AIG	RKT
Price-to-Earnings Ratio (P/E, TTM)	-25.70	758.84
Forward PEG Ratio (TTM)	-1.34	16.55
Price-to-Sales Ratio (P/S, TTM)	1.76	5.62
Price-to-Book Ratio (P/B, TTM)	1.19	3.60
Price-to-Free Cash Flow Ratio (P/FCF, TTM)	17.77	-22.66
EV-to-EBITDA (TTM)	7.31	161.45
EV-to-Sales (TTM)	2.02	8.26