American International Group
AIG NYSE· Multi-line Insurance
Last close · Oct 27, 2026
$79.58
KIRA · Stoqly’s AI analyst, in plain words
- American International Group had $26.8B of revenue in fiscal 2025, down 1.8% on the year before. Over five years, revenue changed −9.4% a year on average.
- American International Group made $3.1B of net profit in fiscal 2025.
- American International Group returned $6.8B to shareholders in fiscal 2025. The diluted share count fell 13.2%.
- American International Group has $3.3B more cash than debt.
Market cap
$42.5B
P/E
14.5x
Revenue
$26.8B
Net income
$3.1B
Free cash flow
—
Operating margin
—
American International Group in 30 seconds · fiscal 2025
Are sales growing?
−1.8%
No. Sales fell 1.8% last year.
Does it make a profit?
11.6%
Yes. It keeps 11.6% of every sale as profit.
Is debt under control?
Net cash
Yes. It has more cash than debt.
How is the share priced?
14.5x
One share costs 14.5 times its yearly profit per share. Typical for its sector: 13.7x.
What American International Group does
American International Group, known as AIG, is a global commercial and personal insurer. It sells property, casualty, financial and specialty insurance to businesses, and accident and health, auto, home and warranty insurance to individuals. It sells in about 45 countries. AIG reports three segments: North America Commercial, International Commercial and Global Personal. Together they make up its General Insurance business. Commercial products include property, general liability, workers' compensation, professional liability such as directors and officers cover, and marine, aviation and political risk insurance. Personal products include group accident and health cover, personal auto and homeowners policies, device protection and extended warranties, and cover for high net-worth individuals.
Biggest risks, in its own words
- Claims that arrive later or cost more than the reserves it has set aside for them.
- Natural and man-made catastrophes and mass torts, which can hurt its results, liquidity and ratings.
- An investment portfolio that is concentrated in certain parts of the economy, and some investments that are hard to sell quickly.
- Risk management policies that may fail to catch risks it did not foresee or expect.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 12, 2026
- Legal name
- AMERICAN INTERNATIONAL GROUP, INC.
- CIK
- 0000005272
American International Group · AIG
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $52.2B | $30.0B | $27.9B | $27.3B | $26.8B |
| Revenue growth | 19.3% | −42.5% | −6.9% | −2.5% | −1.8% |
| Net income | $10.4B | $10.2B | $3.6B | −$1.4B | $3.1B |
| Net margin | 19.9% | 34.1% | 13.0% | −5.2% | 11.6% |
| Diluted EPS | $11.95 | $12.94 | $4.98 | −$2.17 | $5.43 |
| Cash | |||||
| Cash from operations | $6.2B | $4.1B | $6.2B | $3.3B | $3.3B |
| Capital expenditure | $343M | $210M | $240M | — | — |
| Free cash flow | $5.9B | $3.9B | $6.0B | — | — |
| FCF margin | 11.3% | 13.1% | 21.5% | — | — |
| Dividends paid | $1.1B | $982M | $997M | $1.0B | $976M |
| Share buybacks | $2.6B | $5.2B | $3.0B | $6.7B | $5.8B |
| Share count change | −0.5% | −8.9% | −8.0% | −9.4% | −13.2% |
| Debt and strength | |||||
| Cash and short-term investments | $15.8B | $13.9B | $14.4B | $15.8B | $12.5B |
| Debt incl. finance leases | $30.2B | $28.7B | $10.9B | $8.9B | $9.2B |
| Shareholders' equity | $66.0B | $41.0B | $45.4B | $42.5B | $41.1B |
| Net debt / EBITDA | 0.8x | 1.8x | −0.5x | −0.9x | −0.4x |
| Interest coverage | 11.2x | 7.3x | 6.6x | 9.4x | 10.8x |
| Returns and quality | |||||
| Return on capital | 14.4% | 4.7% | — | 7.3% | 9.3% |
| Return on equity | 15.7% | 19.1% | 8.4% | −3.2% | 7.4% |
Insiders bought, 12 months
$0.0M
2 insiders
Insiders sold, 12 months
$18.1M
1 insider
Of sales under plans
100%
$18.1M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
American International Group · AIG
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Op. margin | FCF margin | ROIC | P/E | F-score |
|---|---|---|---|---|---|---|---|
| American International Group AIG | $42.5B | −1.8% | — | — | 9.3% | 14.5x | — |
| Loews L | $22.8B | 5.4% | — | 14.6% | 9.5% | 13.6x | — |
| Assurant AIZ | $14.3B | 7.9% | — | 12.5% | 17.5% | 13.7x | — |
| American Financial Group AFG | $12.6B | −1.8% | 13.1% | — | 17.8% | 13.2x | — |
| Marsh McLennan MRSH | $91.3B | 10.3% | 23.1% | 18.5% | 15.0% | 22.8x | 5 |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $79.58 a share, the company is worth $42.5B: 14.5 times its earnings of the last four quarters.
American International Group grew sales faster than 1 of its 4 similar companies. Its P/E is higher than 3 of 4.
Source: SEC EDGAR XBRL filings (CIK 0000005272). Data updated October 9, 2026. For information only — not investment advice. Check the original filings before relying on any figure.