American International Group Inc (AIG) stock analysis
American International Group Inc (AIG) clears 5 of this site's 8 mechanical value filters, 4 of 8 Buffett-style checks and 4 of 5 Lynch-style checks. A free-cash-flow DCF does not fit insurance companies, so no margin of safety is shown. It returns +15.4% to shareholders net of dilution. Figures are as of October 23, 2026, from SEC filings and market data refreshed weekly; this is educational analysis, not investment advice.
Data as of October 23, 2026. Refreshed weekly from SEC filings and market data.
What does AIG do?
AIG is a global insurer that sells property, casualty and specialty insurance to businesses and institutions.
What stands out about AIG?
- Misses 1 of the 8 value filters. It fails EPS Growth YoY > -5% (-10.2%); the other 5 pass and 2 were not evaluated. See every filter.
- Strongest against peers: dividend yield. At 2.32% (peer median 1.75%) it ranks 5th of 23 among insurance stocks this site tracks. See the ranking.
- Weakest against peers: return on equity. At 7% (peer median 20%) it ranks 22nd of 23 among insurance stocks this site tracks. See the ranking.
- Returns 15.4% of its value to owners a year. Dividends plus buybacks, minus the stock issued to staff, as a share of market value. See Shareholder Yield Leaders.
How has AIG's share price moved?
The interactive price chart needs JavaScript.
Is AIG undervalued? The value diligence check
Every value-investing signal this site computes for this stock, gathered in one place: the same real numbers from the tools below, not a new score.
- Margin of safety (DCF) n/a (Insurance)
- P/E vs. its own history 14.4x · near the expensive end Real range: 4.7x–15.8x over 4 years (net income per diluted share from each fiscal year's 10-K, paired with the real closing price at that fiscal year-end).
- Wall St. analyst rating Buy · 3.54/5 28 analysts this month: 3 strong buy, 9 buy, 16 hold, 0 sell, 0 strong sell (Finnhub).
- Altman Z″-Score (bankruptcy risk) n/a (Insurance)
- Earnings quality (is the profit real?) n/a (bank, insurer or REIT)
- Shareholder yield (cash back to owners) +15.4% net Latest fiscal year (2025): dividends 2.3% + buybacks 13.6% − stock comp 0.5%, as a share of today's market cap. Over 14 years its split-adjusted share count fell 68%. See Shareholder Yield Leaders.
- Capital needed to grow (See's test) n/a (bank, insurer, lender or REIT)
- PEG (growth at a reasonable price) 1.28 · Above fair P/E 14.4× ÷ 11.3% a year of growth behind it. 132nd lowest of 447 stocks with a usable PEG. Lynch's fair value is a PEG of 1; a very high PEG usually means almost no growth, a very low one a profit spike. See PEG Ratio Ranking.
- Compounder lenses (4) 2 of 4 · misses capital-light (n/a), real profit (n/a) Capital-light growth: cannot be measured (bank, insurer, lender or REIT); Profit is real: cannot be measured (bank, insurer or REIT); Cash to owners: cleared; Fair price (PEG): cleared. See Compounders at a Fair Price, which also lets you move the PEG bar.
- Munger's Inversion Check 0 flags
- Standing vs. sector peers 1 of 4 measures above the median Compared with the 22 other insurance stocks this site tracks: 1 in the top third, 2 in the bottom third.
- Dividend payout sustainability 0/6 · clean
How does AIG compare with its peers?
1 of 4 measure sits above the median of the 22 other insurance stocks tracked here, 1 in the top third and 2 in the bottom third.
- P/E ratiolower is cheaper · peer median 13.2× 14.4× –14th of 23
- Return on equityhigher is better · peer median 20% 7% ✕22nd of 23
- Net marginhigher is better · peer median 14.2% 11.1% ✕17th of 23
- Dividend yieldamong dividend payers · peer median 1.75% 2.32% ✓5th of 23
Peers are the stocks this site tracks in the same sector group, not every listed competitor. The bar runs from the weakest peer (left) to the strongest (right); the tick is the middle. Measures that don't apply to a sector (cash-flow yield for banks, debt for financials) are left out.
What would Buffett & Lynch say?
Buffett's checklist is built around durable, profitable businesses bought at sensible prices, and AIG doesn't clear enough of it yet. In its favor: AIG carries a conservative amount of debt relative to equity, earns many times its interest expense, so debt service isn't a worry, is trading below what a conservative discounted-cash-flow estimate says it's worth - his own "price is what you pay, value is what you get" test, not a fixed multiple ceiling, and trades at a reasonable multiple of owner earnings, his own term for the real cash a business could pay out. Where it comes up short: AIG isn't clearing the return-on-equity bar he'd want to see right now, and its five-year average return on equity falls short too, so this isn't just a one-off dip, runs thinner pretax margins than he'd like to see, and hasn't grown earnings per share fast enough over five years to impress him.
- ROE (TTM) > 11% ✕
- ROE (5yr avg) > 11% ✕
- Debt/Equity < 0.5 ✓
- Pretax margin > 15% ✕
- EPS growth (5yr) > 7% ✕
- Interest coverage > 5x ✓
- Trading below intrinsic value (DCF) ✓
- Price vs. owner earnings < 25x ✓
- Bonus: returning capital via buybacks FY2025
Lynch looked for growth stories that weren't overpriced for that growth, and AIG falls short of his bar. In its favor: AIG is growing at the modest, GDP-ish pace typical of a slow grower, isn't over-leveraged for a company of its type, is cheap enough for a business with limited growth ahead of it, and converts earnings into real cash at a reasonable price. Where it comes up short: AIG doesn't pay much of a dividend, which is the main reason to own a slow grower in the first place.
- Dividend yield > 2.5% ✕
- EPS growth 0%-10% ✓
- Debt/Equity < 0.6 ✓
- P/E < 20 ✓
- Price/FCF < 25 ✓
Quantitative approximations of each investor's documented approach, not endorsed by either investor or their estates - commentary, not this site's actual ranking criteria. Buffett never published a numeric checklist: only 2 of his 8 checks here trace to his own documented concepts ("owner earnings," from his 1986 shareholder letter, and "price is what you pay, value is what you get," his case against fixed P/E/P/B ceilings) - the other 6 (ROE, debt, margins, growth, interest coverage) use commonly-cited thresholds that are not numbers he himself published. The 8 hard filters below (plus the Munger check and Graham margin of safety) are this site's real, mechanical screen and are computed completely independently of the checklists above.
Berkshire Hathaway's own filing
Which of the 8 value filters does AIG pass?
- Market Cap > $25B $42.8B
- Trailing P/E < 25 14.45
- PEG Ratio < 1.5 1.28
- Price/Book < 8 1.05
- Price/Sales < 7 1.61
- EPS Growth YoY > -5% -10.2%
- vs 50-day MA (±12%) Not evaluated †
- vs 200-day MA (±12%) Not evaluated †
What is AIG's margin of safety?
A standard free-cash-flow DCF doesn't fit how insurance companies report cash flow.
Where is AIG in its 52-week range?
What is the short interest in AIG?
11,132,130 shares short as of 2026-09-30 (FINRA settlement date). Reported twice a month, so this only changes roughly every two weeks, not daily.
What could go wrong with AIG? Munger's inversion check
"Invert, always invert." Instead of reasons to buy, these are reasons to hesitate, not a verdict, and not everything worth knowing about a business.
- Margin of safety, even in the bull case n/a (Insurance)
- Short interest under 5% of float 2.1%
- Passes most of the 6 fundamental filters 5/6 passed
Doesn't cover circle of competence, management quality, or accounting concerns: those need judgment, not data.
How much have AIG shareholders gained per year?
Not enough clean earnings history to compute this for AIG yet - a loss year in the window breaks the growth math rather than faking a number through it.
An earnings-based proxy, not a stock-price total return - it doesn't capture multiple expansion/contraction or reinvested dividends. EPS from AIG's own 10-K filings; dividend yield is the current trailing yield on today's price, from the same weekly fetch as the rest of this site.
What do AIG's 10-year financials show?
From AIG's own 10-K filings (SEC EDGAR): up to the last 10 fiscal years. Press any year's bars for the exact figures.
Frequently asked questions about AIG
What kind of company is AIG?
AIG is a global insurer that sells property, casualty and specialty insurance to businesses and institutions. This site groups it with Insurance stocks.
Why does AIG have no margin of safety on this site?
This site's DCF values a company from its free cash flow, and that does not fit insurers, whose operating cash flow swings with premiums, claims and investment float rather than with what is left over for owners. So AIG gets no margin of safety; judge it on the other checks on this page, such as its filters, shareholder yield and ranking against its peers. The method is in the Intrinsic Value Calculator.
How many of this site's 8 value filters does AIG pass?
AIG passes 5 of 8. It passes Market Cap > $25B ($42.8B), Trailing P/E < 25 (14.45), PEG Ratio < 1.5 (1.28), Price/Book < 8 (1.05) and Price/Sales < 7 (1.61). It misses EPS Growth YoY > -5% (-10.2%). vs 50-day MA (±12%) and vs 200-day MA (±12%) were not evaluated, because the moving-average checks only run on stocks that clear the fundamentals first. The 8-filter list shows every stock that passes all of them.
How much cash does AIG return to shareholders?
AIG's net shareholder yield is +15.4%: the cash it returns through dividends and buybacks, minus stock-based compensation, as a share of its market value. Latest fiscal year (2025): dividends 2.3% + buybacks 13.6% − stock comp 0.5%, as a share of today's market cap. Over 14 years its split-adjusted share count fell 68%. Its trailing dividend yield is 2.32%, paid out of 25% of its free cash flow; the dividend-sustainability check raises 0 of 6 flags. See Shareholder Yield Leaders and the Sustainable Dividend Screener.
How fast has AIG grown its revenue and profit?
From fiscal 2016 to fiscal 2025, AIG's revenue fell from $52.4 billion to $26.8 billion, 7.2% a year. Net income went from −$849 million to $3.1 billion, and its net profit margin from -1.6% to 11.6%. All figures are from AIG's own 10-K filings (SEC EDGAR) and are shown year by year in the 10-Year Financials section of the card above.
When does AIG report earnings next?
AIG's next earnings report is expected on November 3, 2026 after the market closes, with analysts expecting earnings of $1.90 per share. Dates come from the Finnhub earnings calendar and can move. In its last 4 quarters it beat the estimate 4 times, by an average of +10.6%.
Where do these numbers come from?
- Financial statements: AIG's 10-K annual report for the year ended Dec 31, 2025, filed Feb 12, 2026 (filing index). Every earlier year in the 10-year financials comes from the company's older 10-K filings, all listed on SEC EDGAR.
- Prices and market data: quotes, P/E and analyst ratings from Finnhub; daily price history and the 52-week range from Twelve Data, both refreshed weekly. Short interest comes from FINRA, reported twice a month.
- How to check a figure: click any number in the card above to see its exact source, and read the Editorial Standards for every rule behind the checks.
About this American International Group Inc analysis
This page shows every value-investing check the site runs on American International Group Inc (AIG) in one place: the 8 mechanical filters, the Buffett and Lynch checklists, a margin of safety from a disclosed DCF, earnings quality, shareholder yield and how it ranks against its sector peers. The numbers come from SEC filings and public market data, refreshed weekly, and the same rules apply to every stock on the stock list. See Editorial Standards for the sources and the rules, or run your own filters in the stock screener.