AIG vs. WTW: American International vs. Willis Towers Watson Stock Comparison
How do American International (AIG) and Willis Towers Watson (WTW) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
American International (AIG) and Willis Towers Watson (WTW) both belong to the Insurance industry, though AIG is classified under Multi-line Insurance while WTW falls under Insurance Brokers.
| Profile Item | AIG | WTW |
|---|---|---|
| Name | American International Group, Inc. | Willis Towers Watson Public Limited Company |
| Country/Region | United States | United Kingdom |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Multi-line Insurance | Insurance Brokers |
| Market Capitalization | 40.31 billion USD | 30.33 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | January 2, 1973 | June 12, 2001 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AIG | WTW |
|---|---|---|
| Total Return (1Y) | 5.79% | 2.59% |
| Total Return (3Y, Annualized) | 10.55% | 12.90% |
| Total Return (5Y, Annualized) | 8.67% | 8.63% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AIG | WTW |
|---|---|---|
| Volatility (1Y, Annualized) | 23.72% | 31.09% |
| Beta (5Y) | 0.47 | 0.42 |
| Max Drawdown (5Y) | -26.45% | -30.39% |
| Avg. Volume (3M) | 4.14M | 537.05K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AIG | WTW |
|---|---|---|
| Sharpe Ratio (1Y) | 0.06 | -0.05 |
| Sortino Ratio (1Y) | 0.09 | -0.07 |
Profitability
ROE (TTM)
Willis Towers Watson (WTW) at 20.18% is around its peer norm for ROE, while American International (AIG) at 8.23% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
AIG
Insurance industry group
8.23%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AIG
- 8.23%
- Min
- -10.66%
WTW
Insurance industry group
20.18%
- Max
- 41.68%
- Q3
- 22.04%
- WTW
- 20.18%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both American International (AIG) at 11.84% and Willis Towers Watson (WTW) at 15.22% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AIG
Insurance industry group
11.84%
- Max
- 29.92%
- Q3
- 17.03%
- AIG
- 11.84%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
WTW
Insurance industry group
15.22%
- Max
- 29.92%
- Q3
- 17.03%
- WTW
- 15.22%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for American International (AIG) in Insurance and Willis Towers Watson (WTW) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | AIG | WTW |
|---|---|---|
| ROE (TTM) | 8.23% | 20.18% |
| ROA (TTM) | 1.95% | 5.35% |
| Net Margin (TTM) | 11.84% | 15.22% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both American International (AIG) at -1.82% and Willis Towers Watson (WTW) at -2.24% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.
EPS Growth
Neither American International (AIG) nor Willis Towers Watson (WTW) reports a EPS growth value for this period, so a direct comparison isn't possible.
Growth Metrics
| Metric | AIG | WTW |
|---|---|---|
| Revenue Growth (YoY) | -1.82% | -2.24% |
| Revenue Growth (3Y CAGR) | -3.69% | 3.07% |
| EPS Growth (YoY) | -- | -- |
| EPS Growth (3Y CAGR) | -25.13% | 21.88% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American International (AIG) in Insurance and Willis Towers Watson (WTW) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: American International (AIG) in Insurance and Willis Towers Watson (WTW) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AIG | WTW |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
American International (AIG) at 2.35% delivers top-quartile income for its industry, while Willis Towers Watson (WTW) at 0.29% pays a more typical yield — both are credible income propositions, AIG the richer one.
AIG
Insurance industry group
2.35%
- Max
- 5.12%
- AIG
- 2.35%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
WTW
Insurance industry group
0.29%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- WTW
- 0.29%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both American International (AIG) at 31.00% and Willis Towers Watson (WTW) at 23.34% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
AIG
Insurance industry group
31.00%
- Max
- 76.67%
- Q3
- 35.18%
- AIG
- 31.00%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
WTW
Insurance industry group
23.34%
- Max
- 76.67%
- Q3
- 35.18%
- WTW
- 23.34%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AIG | WTW |
|---|---|---|
| Dividend Yield (TTM) | 2.35% | 0.29% |
| Dividend Payout Ratio (TTM) | 31.00% | 23.34% |
Valuation
P/E Ratio (TTM)
American International (AIG) at 12.68 is near its industry’s usual P/E ratio, while Willis Towers Watson (WTW) at 20.20 sits in the richer quartile — WTW needs stronger growth or earnings quality to justify the premium.
AIG
Insurance industry group
12.68
- Max
- 28.37
- Q3
- 18.75
- AIG
- 12.68
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
WTW
Insurance industry group
20.20
- Max
- 28.37
- WTW
- 20.20
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
American International (AIG) at 1.45 is priced about in line with its industry on P/S ratio, while Willis Towers Watson (WTW) at 2.95 sits in the pricier quartile — WTW costs more per dollar of sales.
AIG
Insurance industry group
1.45
- Max
- 4.03
- Q3
- 2.25
- AIG
- 1.45
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
WTW
Insurance industry group
2.95
- Max
- 4.03
- WTW
- 2.95
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
American International (AIG) at 1.04 looks cheap against book in the lower P/B ratio quartile, while Willis Towers Watson (WTW) at 3.91 carries a premium in the upper quartile — a clear price-to-book gap.
AIG
Insurance industry group
1.04
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- AIG
- 1.04
- Min
- 0.30
WTW
Insurance industry group
3.91
- Max
- 5.07
- WTW
- 3.91
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | AIG | WTW |
|---|---|---|
| P/E Ratio (TTM) | 12.68 | 20.20 |
| P/S Ratio (TTM) | 1.45 | 2.95 |
| P/B Ratio (MRQ) | 1.04 | 3.91 |
| Free Cash Flow Yield (TTM) | -- | -- |