American International Group vs Assurant
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KIRA’s take AI analyst
I put American International Group and Assurant side by side, using each one’s latest annual report. Here is what stands out:
- 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 14.8x against 13.7x for Assurant.
Who comes out ahead
Of the 7 measures where higher (or lower) is clearly better, how many each company leads.
American International Group
AIG
3/7
Net marginNet debt / EBITDAShare count change
Assurant
AIZ
4/7
Revenue growth5-year growthReturn on capitalReturn on equity
Side by side
Best in the row
| Latest fiscal year | AIG FY25 | AIZ FY25 |
|---|---|---|
| Size | ||
| Market cap | $43.3B | $14.3B |
| 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 | 14.8x | 13.7x |
| Piotroski F-score | — | — |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.