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AIG

American International Group
$83.03
+1.57% Oct 22 close
FinancialsS&P 500 CompareTechnicals
1M3M6M1Y2Y
-8%-2%+5%+11%+17%Oct 2025Oct 2026Apr 2026
AIGSPY
1W
+4.9%
1M
+10.4%
3M
+6.9%
6M
+10.2%
YTD
-1.1%
1Y
+7.8%

Live chart

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What they do

American International Group, Inc. provides insurance products for commercial, institutional, and individual customers in North America and internationally. It operates through three segments: North America Commercial, International Commercial, and Global Personal. The company offers commercial and industrial property insurance, including business interruption and package insurance that cover exposure to made and natural disasters.

Financial Services · Insurance - Diversified

For information only · Important disclosures

Grades vs sector

Momentum
24th percentile in sector
D+
12-1 return: -3.4%
Percentile within its GICS sector across the S&P 1500.
Growth
13th percentile in sector
D-
Revenue growth (YoY): +0.5%
Percentile within its GICS sector across the S&P 1500.
Value
81st percentile in sector
A-
Forward E/P: 10.9% · EBITDA/EV: 19.9%
Percentile within its GICS sector across the S&P 1500.
Profitability
18th percentile in sector
D
Profit margin: +11.1% · Return on equity: +7.2%
Percentile within its GICS sector across the S&P 1500.
Revisions
Not enough data yet
–
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Systematic Models

Not held by any of our 5 live models right now.

Quality Growth
Outside this model's universe or screens
 Momentum Top 15
ranked 344 of 499 · 12-month momentum -1.0%
 Momentum Blend
Not in the current book
 New Highs Growth
Outside this model's universe or screens
 Coteau Long Book
Not in the current book

News

More news
Vantage Announces Appointment of Lucy Fato as General Counsel
PR Newswire · Aug 20

Key stats

52-week range$70.53 – $84.95
Valuation and fundamentals

Valuation & fundamentals

Bottom line
Leans undervalued
Model read-out from the numbers below, not advice. Score +2 (DCF counts double).
▲DCF (base case)above the price by 22%
•Piotroski F-score5/9

Discounted cash flow

Bear
$73
-12%
growth -9% · disc. 10.2% · term. 2.0%
Base
$101
+22%
growth -4% · disc. 9.2% · term. 2.5%
Bull
$139
+67%
growth -1% · disc. 8.2% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal
Not meaningful for multi-line insurance: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.
Edit assumptions · recalculates instantly
Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.00 (n/a) × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)
sector median 13.0×
 –
Forward P/E
sector median 10.2×
 –
EV / EBITDA
sector median 10.9×
 –
Price / sales
sector median 2.8×
 –
Price / book
sector median 1.6×
 –
FCF yield
sector median 8.2%
 –

Quality & financial health

Gross margin
–
Operating margin
–
FCF margin
14.5%
Net margin
11.6%
Return on equity
7.6%
Return on invested capital
–
Net debt / EBITDA
–
Current ratio
–
Interest cover
–
Cash conversion (OCF/NI)
1.2×
Piotroski F-score 5/9 · last two fiscal years
✓ Positive net income✓ Positive operating cash flow✓ Return on assets improved✓ Cash flow above net income✗ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✗ Asset turnover improved

Analysts

No analyst targets available.

Annual history

FYRevenueNet incomeFree cash flow
2025$26.8B$3.1B$3.3B
2024$27.3B$-1.4B$3.3B
2023$27.9B$3.6B$6.2B
2022$30.0B$10.2B$4.1B
2021$52.2B$10.4B$6.2B
2020$43.7B$-5.9B$1.0B

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR -3.7%.

Earnings

Next report: 2026-11-03 · during market · EPS est 1.87
24-1125-0225-0525-0825-1126-0226-0426-080.002.20
EstimateActual (beat)Actual (miss)
ReportEPS estActualSurprise
2026-08-061.932.00+3.7%
2026-04-301.882.11+12.0%
2026-02-101.901.96+3.0%
2025-11-041.712.20+28.5%
2025-08-061.691.98+17.2%
2025-05-010.971.16+20.2%
2025-02-111.231.30+6.0%
2024-11-041.300.71-45.2%
Insider trades
Zaffino Peter
Director, Executive Chair · 2026-08-13
Sell
$15.4K
Zaffino Peter
Director, Executive Chair · 2026-08-13
Sell
$2.8M
Zaffino Peter
Director, Executive Chair · 2026-08-12
Sell
$15.3M
None
None · None
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Sell
–

Stats refreshed 2026-10-21 18:19:05 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

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Independent research · Not investment advice · Hypothetical unless marked Live · Data: Yahoo Finance (15-min delayed), SEC EDGAR, House Clerk · Important disclosures · Contact desk@coteau.app

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Beta 0.9 · Oct 21, 2026