Bull Rankings model

American International Group, Inc. (AIG) stock analysis

Insurance - Diversified. Scored on the same transparent model behind the daily rankings.

★
AIG
American International Group, Inc. · Insurance - Diversified
60.9Financial strength
$77.65Oct 13 close$40.6B
1Y Target$88.20Analyst consensus · 20 analysts
5Y Target$111.35Compound horizon
10Y Target$142.80Long-dated conviction
Rev-1.8%
D+
Revenue -1.8% — shrinking; needs a catalyst to reverse
P/E14.2x
B
P/E 14.2 — near the Financial Services median (≈60th pctile)
ROE7.2%
C+
ROE 7.2% — subdued returns on equity
P/B1.00
A-
P/B 1.00 — near book, cheap for a profitable franchise
Yield2.6%
B
Yield 2.6% — modest income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 60.9 / 100
Profitability43.9
Value (P/B)84.8
Income63.0

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
11% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Diversified · market cap $40.6b. 11% off the 52-week high of $87.29. PEG 0.65 — paying under fair value for the growth rate. 20 sell-side analysts rate this a Buy with a mean 1-yr target of $88.20 (implying +14% upside).
Moat
Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
ROE 7% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $88.20 (20-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $111.35 at ~7% CAGR — dividend + buyback compounding. 10 yr $142.80 if the moat survives secular pressure.

Not enough history yet — the model records AIG's score after each daily run, and the chart appears once a few days have accumulated.

AIG at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY44VALUE85COVERED INCOME6360.9/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$77.7LOW $71.3HIGH $87.3Trading at the 40th percentile of its 52-week range ($71.3–$87.3).
ONE-YEAR MOVE VS ITS BETAFLATThis stock-6%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.1%
90-day change-0.7%
Forward EPS estimate$8.79

Over the last 90 days, what analysts expect AIG to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
25
Position size
$1,941
3.9% of portfolio
Stop price
$58.24
25% below $77.65
$ at risk if stopped
$485.31
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

American International Group, Inc. (AIG): score, valuation & FAQ

American International Group, Inc. (AIG) is an Insurance - Diversified company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/B (A-), while Rev (D+) rate weaker.

Is AIG a good stock to buy?

Bull Rankings grades AIG on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/B (A-). A score is a quantitative screen of American International Group, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade AIG?

As a bank, insurer or REIT, AIG isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/B (A-) and weakest on Rev (D+).

Is AIG overvalued or undervalued?

We don't publish a discounted-cash-flow value for AIG, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. AIG is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in AIG?

ROE 7% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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