American International Group vs Assurant
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The short version
- American International Group is the larger business, with $26.8B of revenue in fiscal 2025 against $12.8B for Assurant, about 2.1 times as much.
- Assurant grew revenue faster (7.9%, against −1.8%).
- Assurant earned a higher return on the capital invested in it (17.5%, against 9.3%).
- Investors pay more for each dollar of American International Group’s earnings: a P/E of 14.9x against 13.6x for Assurant.
| Latest fiscal year | AIG · FY25 | AIZ · FY25 |
|---|---|---|
| Size | ||
| Market cap | $43.4B | $14.2B |
| Revenue | $26.8B | $12.8B |
| Free cash flow | — | $1.6B |
| Net income | $3.1B | $873M |
| Growth | ||
| Revenue growth | −1.8% | 7.9% |
| 5-year growth | −9.4% | 6.0% |
| Share count change | −13.2% | −1.9% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 11.6% | 6.8% |
| FCF margin | — | 12.5% |
| Return on capital | 9.3% | 17.5% |
| Return on equity | 7.4% | 15.9% |
| Balance sheet | ||
| Net debt | −$3.3B | −$6.7M |
| Net debt / EBITDA | −0.4x | 0.0x |
| Dividends and buybacks | $6.8B | $472M |
| Valuation & quality | ||
| P/E | 14.9x | 13.6x |
| Piotroski F-score | — | — |
Revenue
FY16
AIG $52.4B
AIZ $7.5B
FY17
AIG $49.5B
AIZ $6.4B
FY18
AIG $47.4B
AIZ $8.1B
FY19
AIG $49.7B
AIZ $9.6B
FY20
AIG $43.7B
AIZ $9.6B
FY21
AIG $52.2B
AIZ $10.2B
FY22
AIG $30.0B
AIZ $10.2B
FY23
AIG $27.9B
AIZ $11.1B
FY24
AIG $27.3B
AIZ $11.9B
FY25
AIG $26.8B
AIZ $12.8B
AIG
AIZ
Operating margin
FY16
AIG —
AIZ —
FY17
AIG —
AIZ —
FY18
AIG —
AIZ —
FY19
AIG —
AIZ —
FY20
AIG —
AIZ —
FY21
AIG —
AIZ —
FY22
AIG —
AIZ —
FY23
AIG —
AIZ —
FY24
AIG —
AIZ —
FY25
AIG —
AIZ —
AIG
AIZ
Free cash flow
FY16
AIG $2.4B
AIZ $23.4M
FY17
AIG −$8.3B
AIZ $468M
FY18
AIG −$762M
AIZ $574M
FY19
AIG −$2.1B
AIZ $1.3B
FY20
AIG $685M
AIZ $1.2B
FY21
AIG $5.9B
AIZ $594M
FY22
AIG $3.9B
AIZ $411M
FY23
AIG $6.0B
AIZ $936M
FY24
AIG —
AIZ $1.1B
FY25
AIG —
AIZ $1.6B
AIG
AIZ
Return on capital
FY16
AIG 0.9%
AIZ 15.5%
FY17
AIG 1.5%
AIZ 12.4%
FY18
AIG 1.0%
AIZ 6.9%
FY19
AIG 6.3%
AIZ 7.0%
FY20
AIG −5.4%
AIZ 11.1%
FY21
AIG 14.4%
AIZ 12.5%
FY22
AIG 4.7%
AIZ 7.2%
FY23
AIG —
AIZ 15.1%
FY24
AIG 7.3%
AIZ 16.8%
FY25
AIG 9.3%
AIZ 17.5%
AIG
AIZ
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.