American International Group, Inc. (AIG)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at American International Group as a global commercial and personal insurer. Insurance can be a decent business when underwriting is disciplined, because premiums are paid upfront and float can be invested; but it is also commodity-like and exposed to catastrophes and reserve errors. The filed record is mixed but improving: in fiscal 2024, the year ended 2024-12-31, the company lost $1.4B; in fiscal 2025, the year ended 2025-12-31, it earned $3.1B on $26.8B of revenue. However, revenue was slightly below fiscal 2024's $27.3B, and the latest quarter, fiscal Q2 2026 ended 2026-06-30, produced $948M of net income and $1.78 diluted EPS, below fiscal Q2 2025's $1.1B and $1.98. That is not a fast grower. At the 2026-10-13 close of $77.65, FairStock's P/B is 1.00 and P/E is 14.17. FairStock ROE is 7.22%, which is modest for an insurer. Leverage looks reasonable with D/E 0.22, and a Piotroski F-Score of 7/9 is respectable. The dividend yield is 2.65%, beta 0.51. The Lynch category is TURNAROUND: returned to profit after a loss within the last three years. I would want the combined ratio, reserve development, investment yield, and capital detail, but those are not in the data; CET1, NIM, and combined ratio are not provided. Price around book with a modest return on equity makes it look fair, not compelling. I'd need underwriting improvement and steadier earnings before calling it a classic Buffett bargain.

In plain English: American International Group sells insurance to businesses and people around the world. The business is profitable again after a loss year, but recent profits have slipped and sales are barely growing. At the recent price near $78, the stock looks roughly fairly priced relative to its profits and accounting value, not obviously cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer