AIG
American International Group, Inc.
Insurance - Diversified
Market Cap$41.69B
5Y Perf.+158.4%
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Stock Comparison
AIG vs MET
Revenue, margins, valuation, and 5-year total return — side by side.
MET
MetLife, Inc.
Insurance - Life
Market Cap$52.27B
5Y Perf.+122.6%
AIG vs MET — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AIG | MET |
|---|---|---|
| Industry | Insurance - Diversified | Insurance - Life |
| Market Cap | $41.69B | $52.27B |
| Revenue (TTM) | $26.65B | $76.13B |
| Net Income (TTM) | $3.16B | $3.38B |
| Gross Margin | 38.5% | 25.6% |
| Operating Margin | 15.0% | 6.1% |
| Forward P/E | 9.9x | 8.2x |
| Total Debt | $9.19B | $20.18B |
| Cash & Equiv. | $1.27B | $22.03B |
AIG vs MET — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AIG
MET
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| American Internatio… (AIG) | 100 | 258.4 | +158.4% |
| MetLife, Inc. (MET) | 100 | 222.6 | +122.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AIG vs MET
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MET leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. American International Group, Inc. is the stronger pick specifically for profitability and margin quality and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
AIG
American International Group, Inc.
The Insurance Pick
AIG is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 0.40, Low D/E 22.3%, current ratio 0.85x
- Beta 0.40, yield 2.2%, current ratio 0.85x
- Combined ratio 0.9 vs MET's 0.9 (lower = better underwriting)
Best for: sleep-well-at-night and defensive
MET
MetLife, Inc.
The Insurance Pick
MET carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 13 yrs, beta 1.09, yield 2.8%
- Rev growth 10.2%, EPS growth -19.2%, 3Y rev CAGR 4.3%
- 156.8% 10Y total return vs AIG's 66.2%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MET | 10.2% revenue growth vs AIG's -1.8% |
| Value | MET | Lower P/E (8.2x vs 9.9x) |
| Quality / Margins | AIG | Combined ratio 0.9 vs MET's 0.9 (lower = better underwriting) |
| Stability / Safety | AIG | Beta 0.40 vs MET's 1.09, lower leverage |
| Dividends | MET | 2.8% yield, 13-year raise streak, vs AIG's 2.2% |
| Momentum (1Y) | MET | +7.9% vs AIG's -3.7% |
| Efficiency (ROA) | AIG | 1.9% ROA vs MET's 0.5%, ROIC 5.9% vs 13.1% |
AIG vs MET — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
AIG vs MET — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLAIGLAGGINGMET
METMetLife, Inc.
2leads
AIGAmerican Internationa…
2leads
6 Total Categories
CATEGORYLEADERvs METMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AIG4/6
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
AIG5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MET5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
MET2/2
Income & Cash Flow (Last 12 Months)
AIG leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
MET is the larger business by revenue, generating $76.1B annually — 2.9x AIG's $26.6B. AIG is the more profitable business, keeping 11.9% of every revenue dollar as net income compared to MET's 4.4%. On growth, MET holds the edge at +29.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | AIGAmerican Internat… | METMetLife, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $26.6B | $76.1B |
| EBITDAEarnings before interest/tax | $6.6B | $5.7B |
| Net IncomeAfter-tax profit | $3.2B | $3.4B |
| Free Cash FlowCash after capex | $3.5B | $18.1B |
| Gross MarginGross profit ÷ Revenue | +38.5% | +25.6% |
| Operating MarginEBIT ÷ Revenue | +15.0% | +6.1% |
| Net MarginNet income ÷ Revenue | +11.9% | +4.4% |
| FCF MarginFCF ÷ Revenue | +13.2% | +23.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | -1.8% | +29.1% |
| EPS Growth (YoY)Latest quarter vs prior year | +81.9% | -34.3% |
AIG leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
Evenly matched — AIG and MET each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 14.3x trailing earnings, AIG trades at a 14% valuation discount to MET's 16.7x P/E. On an enterprise value basis, AIG's 6.8x EV/EBITDA is more attractive than MET's 8.8x.
| Metric | AIGAmerican Internat… | METMetLife, Inc. |
|---|---|---|
| Market CapShares × price | $41.7B | $52.3B |
| Enterprise ValueMkt cap + debt − cash | $49.6B | $50.4B |
| Trailing P/EPrice ÷ TTM EPS | 14.31x | 16.70x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.92x | 8.19x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 6.76x | 8.81x |
| Price / SalesMarket cap ÷ Revenue | 1.56x | 0.68x |
| Price / BookPrice ÷ Book value/share | 1.08x | 1.84x |
| Price / FCFMarket cap ÷ FCF | 12.58x | 2.89x |
Evenly matched — AIG and MET each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
AIG leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
MET delivers a 11.9% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $8 for AIG. AIG carries lower financial leverage with a 0.22x debt-to-equity ratio, signaling a more conservative balance sheet compared to MET's 0.70x. On the Piotroski fundamental quality scale (0–9), MET scores 8/9 vs AIG's 6/9, reflecting strong financial health.
| Metric | AIGAmerican Internat… | METMetLife, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +7.7% | +11.9% |
| ROA (TTM)Return on assets | +1.9% | +0.5% |
| ROICReturn on invested capital | +5.9% | +13.1% |
| ROCEReturn on capital employed | +6.5% | +1.0% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 8 |
| Debt / EquityFinancial leverage | 0.22x | 0.70x |
| Net DebtTotal debt minus cash | $7.9B | -$1.8B |
| Cash & Equiv.Liquid assets | $1.3B | $22.0B |
| Total DebtShort + long-term debt | $9.2B | $20.2B |
| Interest CoverageEBIT ÷ Interest expense | 10.67x | 5.39x |
AIG leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MET leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in AIG five years ago would be worth $16,960 today (with dividends reinvested), compared to $13,534 for MET. Over the past 12 months, MET leads with a +7.9% total return vs AIG's -3.7%. The 3-year compound annual growth rate (CAGR) favors MET at 17.3% vs AIG's 15.4% — a key indicator of consistent wealth creation.
| Metric | AIGAmerican Internat… | METMetLife, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -7.3% | +0.5% |
| 1-Year ReturnPast 12 months | -3.7% | +7.9% |
| 3-Year ReturnCumulative with dividends | +53.5% | +61.5% |
| 5-Year ReturnCumulative with dividends | +69.6% | +35.3% |
| 10-Year ReturnCumulative with dividends | +66.2% | +156.8% |
| CAGR (3Y)Annualised 3-year return | +15.4% | +17.3% |
MET leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — AIG and MET each lead in 1 of 2 comparable metrics.
Risk & Volatility
AIG is the less volatile stock with a 0.40 beta — it tends to amplify market swings less than MET's 1.09 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MET currently trades 95.8% from its 52-week high vs AIG's 88.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AIGAmerican Internat… | METMetLife, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.40x | 1.09x |
| 52-Week HighHighest price in past year | $87.46 | $83.64 |
| 52-Week LowLowest price in past year | $71.25 | $67.33 |
| % of 52W HighCurrent price vs 52-week peak | +88.8% | +95.8% |
| RSI (14)Momentum oscillator 0–100 | 57.6 | 66.3 |
| Avg Volume (50D)Average daily shares traded | 4.1M | 3.5M |
Evenly matched — AIG and MET each lead in 1 of 2 comparable metrics.
Analyst Outlook
MET leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AIG as "Hold" and MET as "Buy". Consensus price targets imply 20.4% upside for MET (target: $97) vs 10.2% for AIG (target: $86). For income investors, MET offers the higher dividend yield at 2.83% vs AIG's 2.20%.
| Metric | AIGAmerican Internat… | METMetLife, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $85.63 | $96.50 |
| # AnalystsCovering analysts | 41 | 33 |
| Dividend YieldAnnual dividend ÷ price | +2.2% | +2.8% |
| Dividend StreakConsecutive years of raises | 3 | 13 |
| Dividend / ShareAnnual DPS | $1.71 | $2.27 |
| Buyback YieldShare repurchases ÷ mkt cap | +14.0% | +7.4% |
MET leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
AIG leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). MET leads in 2 (Total Returns, Analyst Outlook). 2 tied.
Best OverallAmerican International Grou… (AIG)Leads 2 of 6 categories
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AIG vs MET: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AIG or MET a better buy right now?
For growth investors, MetLife, Inc.
(MET) is the stronger pick with 10. 2% revenue growth year-over-year, versus -1. 8% for American International Group, Inc. (AIG). American International Group, Inc. (AIG) offers the better valuation at 14. 3x trailing P/E (9. 9x forward), making it the more compelling value choice. Analysts rate MetLife, Inc. (MET) a "Buy" — based on 33 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AIG or MET?
On trailing P/E, American International Group, Inc.
(AIG) is the cheapest at 14. 3x versus MetLife, Inc. at 16. 7x. On forward P/E, MetLife, Inc. is actually cheaper at 8. 2x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — AIG or MET?
Over the past 5 years, American International Group, Inc.
(AIG) delivered a total return of +69. 6%, compared to +35. 3% for MetLife, Inc. (MET). Over 10 years, the gap is even starker: MET returned +156. 8% versus AIG's +66. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AIG or MET?
By beta (market sensitivity over 5 years), American International Group, Inc.
(AIG) is the lower-risk stock at 0. 40β versus MetLife, Inc. 's 1. 09β — meaning MET is approximately 172% more volatile than AIG relative to the S&P 500. On balance sheet safety, American International Group, Inc. (AIG) carries a lower debt/equity ratio of 22% versus 70% for MetLife, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — AIG or MET?
By revenue growth (latest reported year), MetLife, Inc.
(MET) is pulling ahead at 10. 2% versus -1. 8% for American International Group, Inc. (AIG). On earnings-per-share growth, the picture is similar: American International Group, Inc. grew EPS 62. 1% year-over-year, compared to -19. 2% for MetLife, Inc.. Over a 3-year CAGR, MET leads at 4. 3% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AIG or MET?
American International Group, Inc.
(AIG) is the more profitable company, earning 11. 6% net margin versus 4. 4% for MetLife, Inc. — meaning it keeps 11. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: AIG leads at 14. 5% versus 6. 0% for MET. At the gross margin level — before operating expenses — MET leads at 36. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is AIG or MET more undervalued right now?
On forward earnings alone, MetLife, Inc.
(MET) trades at 8. 2x forward P/E versus 9. 9x for American International Group, Inc. — 1. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MET: 20. 4% to $96. 50.
08Which pays a better dividend — AIG or MET?
All stocks in this comparison pay dividends.
MetLife, Inc. (MET) offers the highest yield at 2. 8%, versus 2. 2% for American International Group, Inc. (AIG).
09Is AIG or MET better for a retirement portfolio?
For long-horizon retirement investors, American International Group, Inc.
(AIG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 40), 2. 2% yield). Both have compounded well over 10 years (AIG: +66. 2%, MET: +156. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between AIG and MET?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(AIG: -1.8% · MET: 29.1%)Net Margin>
%
(AIG: 11.9% · MET: 4.4%)P/E Ratio<
x
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