AIG vs. USB: A Head-to-Head Stock Comparison
UpdatedHere’s a clear look at AIG and USB, comparing key factors like performance, valuation metrics, dividends, and financial strength. It’s built for investors or anyone curious to see how these two stocks match up.
Company Overview
With AIG at 47.62 billion USD and USB at 66.82 billion USD, their market capitalizations sit in the same ballpark.
With betas of 0.70 for AIG and 0.99 for USB, both show similar volatility profiles relative to the overall market.
| Symbol | AIG | USB |
|---|---|---|
| Company Name | American International Group, Inc. | U.S. Bancorp |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Banks - Regional |
| CEO | Mr. Peter Salvatore Zaffino | Ms. Gunjan Kedia |
| Price | 82.63 USD | 42.89 USD |
| Market Cap | 47.62 billion USD | 66.82 billion USD |
| Beta | 0.70 | 0.99 |
| Exchange | NYSE | NYSE |
| IPO Date | January 2, 1973 | May 3, 1973 |
| ADR | No | No |
Performance Comparison
This chart compares the performance of AIG and USB over the past year by tracking the growth of an initial $10,000 investment in each (starting one year ago).
Hover over the lines to see the investment’s value and total return (%) at specific dates.
Data is adjusted for dividends and splits.
Valuation Metrics Comparison
The section examines key financial ratios to assess the valuation of AIG and USB based on earnings, cash flow, sales, and book value. Pay attention to the following notable points where extreme values stand out.
- AIG posts a negative P/E of -30.90, reflecting last year’s net loss, while USB at 10.00 signals healthy earnings.
- AIG posts a negative forward PEG of -1.65, hinting at anticipated earnings decline, whereas USB at 0.97 has projections for stable or growing earnings.
| Symbol | AIG | USB |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | -30.90 | 10.00 |
| Forward PEG Ratio (TTM) | -1.65 | 0.97 |
| Price-to-Sales Ratio (P/S, TTM) | 1.75 | 2.20 |
| Price-to-Book Ratio (P/B, TTM) | 1.43 | 1.11 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 17.65 | 5.93 |
| EV-to-EBITDA (TTM) | 8.68 | 33.82 |
| EV-to-Sales (TTM) | 2.01 | 4.72 |
| EV-to-Free Cash Flow (TTM) | 20.32 | 12.76 |
Dividend Comparison
USB stands out with a 4.64% dividend yield—around 140% above AIG’s 1.94%—highlighting its emphasis on generous payouts.
| Symbol | AIG | USB |
|---|---|---|
| Dividend Yield (TTM) | 1.94% | 4.64% |
Financial Strength Metrics Comparison
This section dives into the financial resilience of AIG and USB, spotlighting key metrics like liquidity, leverage, and debt coverage. Check out the standout observations below where notable differences or extremes pop up.
- With current ratios of 0.00 and 0.00, both AIG and USB have less current assets than short-term liabilities, which could strain their working capital and force reliance on additional financing.
- Both AIG (quick ratio 0.00) and USB (quick ratio 0.00) fall below 0.8, meaning their most liquid assets—excluding inventory—aren’t enough to meet short-term obligations. This could force them to rely on receivables, inventory turn, or external financing.
- USB’s low interest coverage (0.76) means it doesn't cover interest from operating earnings. AIG (at 8.29) meets its interest obligations.
| Symbol | AIG | USB |
|---|---|---|
| Current Ratio (TTM) | 0.00 | 0.00 |
| Quick Ratio (TTM) | 0.00 | 0.00 |
| Debt-to-Equity Ratio (TTM) | 0.21 | 1.28 |
| Debt-to-Assets Ratio (TTM) | 0.05 | 0.11 |
| Interest Coverage Ratio (TTM) | 8.29 | 0.76 |