American International Group, Inc. (AIG) 10-Year Financial Performance & Capital Metrics

AIG • • Insurance & Managed Care

Financial ServicesDiversified InsuranceMulti-Line InsuranceGlobal Multi-Line Insurers

AboutAmerican International Group, Inc. offers insurance products for commercial, institutional, and individual customers in North America and internationally. The company's General Insurance segment provides general liability, environmental, commercial automobile liability, workers' compensation, casualty, and crisis management insurance products; commercial, industrial, and energy-related property insurance; and aerospace, political risk, trade credit, portfolio solutions, crop, and marine insurance. It also provides professional liability insurance products for a range of businesses and risks, including directors and officers, mergers and acquisitions, fidelity, employment practices, fiduciary liability, cyber risk, kidnap and ransom, and errors and omissions insurance. In addition, this segment offers personal auto and property insurance, such as auto, homeowners, umbrella, yacht, fine art, and collections; voluntary and sponsor-paid personal accident; supplemental health products; extended warranty insurance products; and travel insurance products. Its Life and Retirement segment offers variable annuities, index and fixed annuities, and retail mutual funds; and financial planning and advisory services; record-keeping, plan administrative, and compliance services; and term life and universal life insurance. It also provides stable value wrap products, and structured settlement and pension risk transfer annuities; and corporate- and bank-owned life insurance and guaranteed investment contracts. This segment sells its products through independent marketing organizations, independent insurance agents, financial advisors, direct marketing, banks, and broker-dealers. The company was founded in 1919 and is headquartered in New York, New York.Show more

Revenue $27.27B -2.5%
Combined Ratio 85.82% -4.4%
Net Income -$1.4B -138.5%
Return on Equity -2.99% -138.9%
Medical Cost Ratio 65.98% -21.8%
Operating Margin 14.18% +38.4%
Net Margin -5.15% -139.5%
ROA -0.4% -158.4%
Equity / Assets 26.38% +177.3%
Book Value per Share 64.73 -8.5%
Tangible BV/Share 59.60 -9.1%
Debt/Equity 0.21 -0.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Profitable underwriting: 85.8% combined ratio
✓Healthy dividend yield of 2.1%
✓Share count reduced 9.4% through buybacks
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-8.26%

5Y-11.34%

3Y-19.35%

TTM-8.9%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM247.53%

EPS CAGR

10Y-

5Y-

3Y-

TTM264.31%

ROCE

10Y Avg0.53%

5Y Avg0.65%

3Y Avg0.77%

Latest1.1%

Peer Comparison

Global Multi-Line Insurers

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BRK-BBerkshire Hathaway Inc.	676.28B	492.62	11.94	-15.46%	17.82%	9.6%	1.72%	0.22
BRK-ABerkshire Hathaway Inc.	386.34B	738691.00	11.93	1.24%	17.95%	9.63%	3.01%	0.20
AIGAmerican International Group, Inc.	39.94B	74.03	-34.12	-2.46%	11.9%	7.93%	8.19%	0.21

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	58.92B	52.75B	49.93B	47.48B	49.79B	43.84B	51.98B	29.98B	27.96B	27.27B
Revenue Growth %	-0.09%	-0.1%	-0.05%	-0.05%	0.05%	-0.12%	0.19%	-0.42%	-0.07%	-0.02%
Medical Costs & Claims+	0	0	0	0	0	0	31.88B	22.71B	23.59B	17.99B
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	58.92B	52.75B	49.93B	47.48B	49.79B	43.84B	20.11B	7.26B	4.37B	9.28B
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	-0.09%	-0.1%	-0.05%	-0.05%	0.05%	-0.12%	-0.54%	-0.64%	-0.4%	1.12%
Operating Expenses+	55.64B	52.83B	48.46B	47.22B	44.51B	51.13B	6.76B	3.49B	1.51B	5.41B
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	4.63B	4.09B	3.87B	5.36B	5.01B	4.12B	4.54B	3.86B	3.84B	3.6B
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	3.28B	-74M	1.47B	257M	5.29B	-7.29B	13.35B	3.77B	2.86B	3.87B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.69%	-1.02%	20.81%	-0.82%	19.57%	-2.38%	2.83%	-0.72%	-0.24%	0.35%
EBITDA+	7.91B	4.02B	5.34B	5.62B	10.29B	-3.17B	17.89B	7.63B	6.7B	7.46B
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	1.28B	1.26B	1.17B	1.31B	1.42B	1.46B	1.3B	603M	516M	462M
Non-Operating Income	0	0	0	0	0	0	-1.3B	-608M	-520M	-466M
Pretax Income+	3.28B	-74M	1.47B	257M	5.29B	-7.29B	13.35B	3.77B	2.87B	3.87B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.06B	185M	7.53B	154M	1.17B	-1.46B	2.44B	882M	126M	1.17B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.2B	-849M	-6.08B	-6M	3.35B	-5.94B	10.37B	10.23B	3.64B	-1.4B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.71%	-1.39%	-6.17%	1%	559%	-2.78%	2.74%	-0.01%	-0.64%	-1.39%
EPS (Diluted)+	1.65	-0.78	-6.54	-0.01	3.74	-6.84	11.95	12.94	4.98	-2.17
EPS Growth %	-0.68%	-1.47%	-7.38%	1%	-	-2.83%	2.75%	0.08%	-0.62%	-1.44%
EPS (Basic)	1.69	-0.78	-6.54	-0.01	3.79	-6.84	12.10	13.10	5.02	2.35
Diluted Shares Outstanding	1.33B	1.09B	930.56M	910.14M	889.51M	869.31M	864.88M	787.94M	725.23M	657.3M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	496.84B	498.26B	498.3B	491.98B	525.06B	586.48B	596.11B	522.23B	539.31B	161.32B
Asset Growth %	-0.04%	0%	0%	-0.01%	0.07%	0.12%	0.02%	-0.12%	0.03%	-0.7%
Total Investment Assets+	338.35B	328.18B	513.83B	314.21B	337.62B	360.67B	588.13B	309.15B	90.24B	93.61B
Long-Term Investments	79.98B	74.34B	264.45B	75.14B	73.3B	296.05B	297.58B	243.59B	79.44B	79.92B
Short-Term Investments	258.38B	253.84B	249.38B	239.06B	264.32B	289.7B	290.56B	238.53B	78.11B	36.1B
Total Current Assets+	41.33B	47.41B	261.99B	252.95B	277.45B	0	305.17B	0	0	0
Cash & Equivalents	1.63B	1.87B	2.36B	2.87B	2.86B	2.83B	2.2B	2.04B	1.54B	1.3B
Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Assets	0	0	0	0	0	-303.86B	0	-253.82B	-89.61B	-47.87B
Goodwill & Intangibles+	1.61B	1.53B	1.59B	4.08B	4.04B	4.07B	4.06B	3.93B	3.75B	3.37B
Goodwill	1.61B	1.53B	1.59B	4.08B	4.04B	4.07B	4.06B	3.93B	3.75B	3.37B
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	0	0	0	0	0	0	0	0	0	0
Other Assets	-81.59B	-75.86B	182.49B	161.37B	157.13B	-300.12B	-11.71B	-247.52B	-83.19B	-83.29B
Total Liabilities	406.63B	421.41B	432.59B	434.68B	457.64B	519.28B	527.2B	478.77B	488B	118.77B
Total Debt+	29.25B	30.91B	31.64B	34.54B	35.35B	37.53B	30.16B	27.18B	10.86B	8.92B
Net Debt	27.62B	29.04B	29.28B	31.67B	32.49B	34.71B	27.96B	25.14B	9.32B	7.62B
Long-Term Debt	29.25B	30.91B	31.64B	34.54B	35.35B	37.53B	30.16B	25.68B	10.61B	8.92B
Short-Term Debt	0	0	0	0	0	0	0	1.5B	250M	0
Total Current Liabilities+	0	0	14.03B	0	0	0	0	0	0	0
Accounts Payable	0	0	0	0	0	0	0	0	6.22B	6.05B
Deferred Revenue	0	0	14.03B	0	0	0	0	0	0	0
Other Current Liabilities	0	0	0	0	0	-43.06B	-40.77B	-31.88B	-11.69B	-11.21B
Deferred Taxes	0	0	0	0	0	0	0	0	1000K	1000K
Other Liabilities	377.38B	390.49B	400.95B	400.13B	422.29B	-37.53B	497.04B	-25.68B	-10.95B	-9.35B
Total Equity+	90.21B	76.86B	65.71B	57.31B	67.43B	67.2B	68.91B	43.45B	51.3B	42.55B
Equity Growth %	-0.16%	-0.15%	-0.15%	-0.13%	0.18%	-0%	0.03%	-0.37%	0.18%	-0.17%
Shareholders Equity	89.66B	76.3B	65.17B	56.36B	65.67B	66.36B	65.96B	40.97B	45.35B	42.52B
Minority Interest	552M	558M	537M	948M	1.75B	837M	2.96B	2.48B	5.95B	29M
Retained Earnings	30.94B	28.71B	21.46B	20.88B	23.08B	15.5B	23.79B	34.89B	37.52B	35.08B
Common Stock	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B
Accumulated OCI	2.54B	3.23B	5.46B	-1.41B	4.98B	13.51B	6.69B	-22.62B	-14.04B	-7.1B
Return on Equity (ROE)	0.02%	-0.01%	-0.09%	-0%	0.05%	-0.09%	0.15%	0.18%	0.08%	-0.03%
Return on Assets (ROA)	0%	-0%	-0.01%	-0%	0.01%	-0.01%	0.02%	0.02%	0.01%	-0%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	0.32x	0.40x	0.48x	0.60x	0.52x	0.56x	0.44x	0.63x	0.21x	0.21x
Book Value per Share	67.60	70.44	70.61	62.97	75.80	77.30	79.68	55.15	70.74	64.73
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.88B	3.5B	-7.82B	-394M	-1.81B	1.04B	6.22B	4.13B	6.24B	3.27B
Operating CF Growth %	-0.43%	0.22%	-3.23%	0.95%	-3.59%	1.57%	5%	-0.34%	0.51%	-0.48%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	2.22B	-259M	-6.08B	103M	4.12B	-5.83B	10.91B	11.27B	3.88B	2.7B
Depreciation & Amortization	4.63B	4.09B	3.87B	5.36B	5.01B	4.12B	4.54B	4.41B	4.21B	3.6B
Stock-Based Compensation	0	0	0	0	0	0	0	0	0	0
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	153M	1.13B	650M	669M	-1.5B	6.97B	-7B	819M	1.7B	-667M
Working Capital Changes	-4.13B	-1.46B	-6.26B	-6.53B	-9.43B	-4.22B	-2.22B	-12.37B	-3.55B	-2.36B
Cash from Investing+	8.46B	3.25B	14.04B	-223M	-5.47B	-6.2B	-3.28B	-3.63B	-7.02B	1.67B
Capital Expenditures	0	0	0	0	0	0	0	0	0	0
Acquisitions	0	2.81B	792M	-5.71B	2M	2.17B	4.68B	0	3.31B	0
Purchase of Investments	-55.13B	-62.42B	-53.88B	-48.27B	-63.03B	-67.35B	-79.41B	-44.95B	-30.21B	-25.35B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Investing	-5.09B	-5.6B	-5.77B	-5.81B	-2.19B	1.82B	-1.74B	-5.37B	-24.69B	-3.11B
Cash from Financing+	-11.43B	-6.83B	-5.7B	1.25B	7.26B	5.06B	-3.68B	-602M	782M	-5.06B
Dividends Paid	-1.03B	-1.37B	-1.17B	-1.14B	-1.14B	-1.13B	-1.11B	-1.01B	-1.03B	-1.02B
Share Repurchases	-10.69B	-11.46B	-6.28B	-1.74B	0	-500M	-2.59B	-5.2B	-2.96B	-7.14B
Stock Issued	0	0	0	0	0	0	0	0	0	0
Debt Issuance (Net)	-1000K	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K
Other Financing	3.23B	4.13B	2.09B	3.06B	7.23B	5.07B	4.22B	6.41B	6.72B	4.49B
Net Change in Cash+	-129M	-131M	630M	621M	-71M	-57M	-803M	-211M	-643M	-201M
Exchange Rate Effect	-1000K	1000K	-1000K	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K
Cash at Beginning	1.76B	2.24B	2.11B	2.74B	3.36B	3.29B	3.23B	2.43B	2.22B	1.57B
Cash at End	1.63B	2.11B	2.74B	3.36B	3.29B	3.23B	2.43B	2.22B	1.57B	1.37B
Free Cash Flow+	2.88B	3.5B	-7.82B	-394M	-1.81B	1.04B	6.22B	4.13B	6.24B	3.27B
FCF Growth %	-0.43%	0.22%	-3.23%	0.95%	-3.59%	1.57%	5%	-0.34%	0.51%	-0.48%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	2.16	3.21	-8.4	-0.43	-2.03	1.19	7.2	5.25	8.61	4.98

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	94.43%	100.14%	97.06%	99.46%	89.38%	116.64%	74.33%	87.43%	89.76%	85.82%
Medical Cost Ratio	0%	0%	0%	0%	0%	0%	61.32%	75.78%	84.37%	65.98%
Return on Equity (ROE)	2.22%	-1.02%	-8.54%	-0.01%	5.37%	-8.83%	15.23%	18.2%	7.69%	-2.99%
Return on Assets (ROA)	0.43%	-0.17%	-1.22%	-0%	0.66%	-1.07%	1.75%	1.83%	0.69%	-0.4%
Equity / Assets	18.16%	15.43%	13.19%	11.65%	12.84%	11.46%	11.56%	8.32%	9.51%	26.38%
Book Value / Share	67.6	70.44	70.61	62.97	75.8	77.3	79.68	55.15	70.74	64.73
Debt / Equity	0.32x	0.40x	0.48x	0.60x	0.52x	0.56x	0.44x	0.63x	0.21x	0.21x
Revenue Growth	-8.8%	-10.47%	-5.35%	-4.9%	4.87%	-11.96%	18.58%	-42.34%	-6.73%	-2.46%

Revenue by Segment

	2013	2016	2017	2018	2019	2020	2021	2022	2023	2024
General Insurance	-	-	-	-	29.88B	26.59B	28.36B	27.72B	28.54B	27.71B
General Insurance Growth	-	-	-	-	-	-11.03%	6.67%	-2.25%	2.94%	-2.89%
Corporate Nonsegment and Reconciling Items	-	-	-	-	3.06B	1.39B	347M	392M	479M	870M
Corporate Nonsegment and Reconciling Items Growth	-	-	-	-	-	-54.74%	-74.95%	12.97%	22.19%	81.63%
Total Reconciling Items	-	-	-	-	836M	-995M	3.75B	10.67B	-1.08B	-548M
Total Reconciling Items Growth	-	-	-	-	-	-219.02%	477.39%	184.13%	-110.10%	49.17%
Life and Retirement	-	-	-	-	16.36B	17.27B	19.59B	17.65B	-	-
Life and Retirement Growth	-	-	-	-	-	5.62%	13.42%	-9.90%	-	-
General Insurance	-	-	29.69B	30.17B	-	-	-	-	-	-
General Insurance Growth	-	-	-	1.61%	-	-	-	-	-	-
Life And Retirement	-	-	15.59B	14.14B	-	-	-	-	-	-
Life And Retirement Growth	-	-	-	-9.30%	-	-	-	-	-	-
Legacy portfolio	-	5.25B	4.39B	3.04B	-	-	-	-	-	-
Legacy portfolio Growth	-	-	-16.36%	-30.79%	-	-	-	-	-	-
Corporate and Other	-	4.02B	1.41B	636M	-	-	-	-	-	-
Corporate and Other Growth	-	-	-64.83%	-54.99%	-	-	-	-	-	-
Consumer Insurance	-	24.05B	-	-	-	-	-	-	-	-
Consumer Insurance Growth	-	-	-	-	-	-	-	-	-	-
Commercial Insurance	-	21.37B	-	-	-	-	-	-	-	-
Commercial Insurance Growth	-	-	-	-	-	-	-	-	-	-
AIG Property Casualty Operating	73.66B	-	-	-	-	-	-	-	-	-
AIG Property Casualty Operating Growth	-	-	-	-	-	-	-	-	-	-
AIG Life Insurance and Retirement Operatings	25.72B	-	-	-	-	-	-	-	-	-
AIG Life Insurance and Retirement Operatings Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2013	2016	2017	2018	2019	2020	2021	2022	2023	2024
International	-	-	15.37B	16.39B	-	-	-	14.83B	13.24B	14.22B
International Growth	-	-	-	6.60%	-	-	-	-	-10.75%	7.43%
North America	-	-	34.15B	31B	-	-	-	41.6B	33.56B	13.03B
North America Growth	-	-	-	-9.21%	-	-	-	-	-19.32%	-61.18%
UNITED STATES	-	37.41B	-	-	-	-	-	-	-	-
UNITED STATES Growth	-	-	-	-	-	-	-	-	-	-
Other Foreign	-	6.71B	-	-	-	-	-	-	-	-
Other Foreign Growth	-	-	-	-	-	-	-	-	-	-
Europe	-	4.61B	-	-	-	-	-	-	-	-
Europe Growth	-	-	-	-	-	-	-	-	-	-
JP	-	3.64B	-	-	-	-	-	-	-	-
JP Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

American International Group, Inc. (AIG) saw revenue decline by 2.5% over the past year.

Yes, American International Group, Inc. (AIG) is profitable, generating $3.26B in net income for fiscal year 2024 (-5.1% net margin).

Dividend & Returns

Yes, American International Group, Inc. (AIG) pays a dividend with a yield of 2.06%. This makes it attractive for income-focused investors.

American International Group, Inc. (AIG) has a return on equity (ROE) of -3.0%. Negative ROE indicates the company is unprofitable.

Industry Metrics

American International Group, Inc. (AIG) has a combined ratio of 85.8%. A ratio below 100% indicates underwriting profitability.

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American International Group, Inc. (AIG) 10-Year Financial Performance & Capital Metrics

AIG • • Insurance & Managed Care

Financial ServicesDiversified InsuranceMulti-Line InsuranceGlobal Multi-Line Insurers

Revenue $27.27B -2.5%
Combined Ratio 85.82% -4.4%
Net Income -$1.4B -138.5%
Return on Equity -2.99% -138.9%
Medical Cost Ratio 65.98% -21.8%
Operating Margin 14.18% +38.4%
Net Margin -5.15% -139.5%
ROA -0.4% -158.4%
Equity / Assets 26.38% +177.3%
Book Value per Share 64.73 -8.5%
Tangible BV/Share 59.60 -9.1%
Debt/Equity 0.21 -0.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Profitable underwriting: 85.8% combined ratio
✓Healthy dividend yield of 2.1%
✓Share count reduced 9.4% through buybacks
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-8.26%

5Y-11.34%

3Y-19.35%

TTM-8.9%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM247.53%

EPS CAGR

10Y-

5Y-

3Y-

TTM264.31%

ROCE

10Y Avg0.53%

5Y Avg0.65%

3Y Avg0.77%

Latest1.1%

Peer Comparison

Global Multi-Line Insurers

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BRK-BBerkshire Hathaway Inc.	676.28B	492.62	11.94	-15.46%	17.82%	9.6%	1.72%	0.22
BRK-ABerkshire Hathaway Inc.	386.34B	738691.00	11.93	1.24%	17.95%	9.63%	3.01%	0.20
AIGAmerican International Group, Inc.	39.94B	74.03	-34.12	-2.46%	11.9%	7.93%	8.19%	0.21

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	58.92B	52.75B	49.93B	47.48B	49.79B	43.84B	51.98B	29.98B	27.96B	27.27B
Revenue Growth %	-0.09%	-0.1%	-0.05%	-0.05%	0.05%	-0.12%	0.19%	-0.42%	-0.07%	-0.02%
Medical Costs & Claims+	0	0	0	0	0	0	31.88B	22.71B	23.59B	17.99B
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	58.92B	52.75B	49.93B	47.48B	49.79B	43.84B	20.11B	7.26B	4.37B	9.28B
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	-0.09%	-0.1%	-0.05%	-0.05%	0.05%	-0.12%	-0.54%	-0.64%	-0.4%	1.12%
Operating Expenses+	55.64B	52.83B	48.46B	47.22B	44.51B	51.13B	6.76B	3.49B	1.51B	5.41B
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	4.63B	4.09B	3.87B	5.36B	5.01B	4.12B	4.54B	3.86B	3.84B	3.6B
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	3.28B	-74M	1.47B	257M	5.29B	-7.29B	13.35B	3.77B	2.86B	3.87B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.69%	-1.02%	20.81%	-0.82%	19.57%	-2.38%	2.83%	-0.72%	-0.24%	0.35%
EBITDA+	7.91B	4.02B	5.34B	5.62B	10.29B	-3.17B	17.89B	7.63B	6.7B	7.46B
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	1.28B	1.26B	1.17B	1.31B	1.42B	1.46B	1.3B	603M	516M	462M
Non-Operating Income	0	0	0	0	0	0	-1.3B	-608M	-520M	-466M
Pretax Income+	3.28B	-74M	1.47B	257M	5.29B	-7.29B	13.35B	3.77B	2.87B	3.87B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.06B	185M	7.53B	154M	1.17B	-1.46B	2.44B	882M	126M	1.17B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.2B	-849M	-6.08B	-6M	3.35B	-5.94B	10.37B	10.23B	3.64B	-1.4B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.71%	-1.39%	-6.17%	1%	559%	-2.78%	2.74%	-0.01%	-0.64%	-1.39%
EPS (Diluted)+	1.65	-0.78	-6.54	-0.01	3.74	-6.84	11.95	12.94	4.98	-2.17
EPS Growth %	-0.68%	-1.47%	-7.38%	1%	-	-2.83%	2.75%	0.08%	-0.62%	-1.44%
EPS (Basic)	1.69	-0.78	-6.54	-0.01	3.79	-6.84	12.10	13.10	5.02	2.35
Diluted Shares Outstanding	1.33B	1.09B	930.56M	910.14M	889.51M	869.31M	864.88M	787.94M	725.23M	657.3M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	496.84B	498.26B	498.3B	491.98B	525.06B	586.48B	596.11B	522.23B	539.31B	161.32B
Asset Growth %	-0.04%	0%	0%	-0.01%	0.07%	0.12%	0.02%	-0.12%	0.03%	-0.7%
Total Investment Assets+	338.35B	328.18B	513.83B	314.21B	337.62B	360.67B	588.13B	309.15B	90.24B	93.61B
Long-Term Investments	79.98B	74.34B	264.45B	75.14B	73.3B	296.05B	297.58B	243.59B	79.44B	79.92B
Short-Term Investments	258.38B	253.84B	249.38B	239.06B	264.32B	289.7B	290.56B	238.53B	78.11B	36.1B
Total Current Assets+	41.33B	47.41B	261.99B	252.95B	277.45B	0	305.17B	0	0	0
Cash & Equivalents	1.63B	1.87B	2.36B	2.87B	2.86B	2.83B	2.2B	2.04B	1.54B	1.3B
Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Assets	0	0	0	0	0	-303.86B	0	-253.82B	-89.61B	-47.87B
Goodwill & Intangibles+	1.61B	1.53B	1.59B	4.08B	4.04B	4.07B	4.06B	3.93B	3.75B	3.37B
Goodwill	1.61B	1.53B	1.59B	4.08B	4.04B	4.07B	4.06B	3.93B	3.75B	3.37B
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	0	0	0	0	0	0	0	0	0	0
Other Assets	-81.59B	-75.86B	182.49B	161.37B	157.13B	-300.12B	-11.71B	-247.52B	-83.19B	-83.29B
Total Liabilities	406.63B	421.41B	432.59B	434.68B	457.64B	519.28B	527.2B	478.77B	488B	118.77B
Total Debt+	29.25B	30.91B	31.64B	34.54B	35.35B	37.53B	30.16B	27.18B	10.86B	8.92B
Net Debt	27.62B	29.04B	29.28B	31.67B	32.49B	34.71B	27.96B	25.14B	9.32B	7.62B
Long-Term Debt	29.25B	30.91B	31.64B	34.54B	35.35B	37.53B	30.16B	25.68B	10.61B	8.92B
Short-Term Debt	0	0	0	0	0	0	0	1.5B	250M	0
Total Current Liabilities+	0	0	14.03B	0	0	0	0	0	0	0
Accounts Payable	0	0	0	0	0	0	0	0	6.22B	6.05B
Deferred Revenue	0	0	14.03B	0	0	0	0	0	0	0
Other Current Liabilities	0	0	0	0	0	-43.06B	-40.77B	-31.88B	-11.69B	-11.21B
Deferred Taxes	0	0	0	0	0	0	0	0	1000K	1000K
Other Liabilities	377.38B	390.49B	400.95B	400.13B	422.29B	-37.53B	497.04B	-25.68B	-10.95B	-9.35B
Total Equity+	90.21B	76.86B	65.71B	57.31B	67.43B	67.2B	68.91B	43.45B	51.3B	42.55B
Equity Growth %	-0.16%	-0.15%	-0.15%	-0.13%	0.18%	-0%	0.03%	-0.37%	0.18%	-0.17%
Shareholders Equity	89.66B	76.3B	65.17B	56.36B	65.67B	66.36B	65.96B	40.97B	45.35B	42.52B
Minority Interest	552M	558M	537M	948M	1.75B	837M	2.96B	2.48B	5.95B	29M
Retained Earnings	30.94B	28.71B	21.46B	20.88B	23.08B	15.5B	23.79B	34.89B	37.52B	35.08B
Common Stock	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B	4.77B
Accumulated OCI	2.54B	3.23B	5.46B	-1.41B	4.98B	13.51B	6.69B	-22.62B	-14.04B	-7.1B
Return on Equity (ROE)	0.02%	-0.01%	-0.09%	-0%	0.05%	-0.09%	0.15%	0.18%	0.08%	-0.03%
Return on Assets (ROA)	0%	-0%	-0.01%	-0%	0.01%	-0.01%	0.02%	0.02%	0.01%	-0%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	0.32x	0.40x	0.48x	0.60x	0.52x	0.56x	0.44x	0.63x	0.21x	0.21x
Book Value per Share	67.60	70.44	70.61	62.97	75.80	77.30	79.68	55.15	70.74	64.73
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.88B	3.5B	-7.82B	-394M	-1.81B	1.04B	6.22B	4.13B	6.24B	3.27B
Operating CF Growth %	-0.43%	0.22%	-3.23%	0.95%	-3.59%	1.57%	5%	-0.34%	0.51%	-0.48%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	2.22B	-259M	-6.08B	103M	4.12B	-5.83B	10.91B	11.27B	3.88B	2.7B
Depreciation & Amortization	4.63B	4.09B	3.87B	5.36B	5.01B	4.12B	4.54B	4.41B	4.21B	3.6B
Stock-Based Compensation	0	0	0	0	0	0	0	0	0	0
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	153M	1.13B	650M	669M	-1.5B	6.97B	-7B	819M	1.7B	-667M
Working Capital Changes	-4.13B	-1.46B	-6.26B	-6.53B	-9.43B	-4.22B	-2.22B	-12.37B	-3.55B	-2.36B
Cash from Investing+	8.46B	3.25B	14.04B	-223M	-5.47B	-6.2B	-3.28B	-3.63B	-7.02B	1.67B
Capital Expenditures	0	0	0	0	0	0	0	0	0	0
Acquisitions	0	2.81B	792M	-5.71B	2M	2.17B	4.68B	0	3.31B	0
Purchase of Investments	-55.13B	-62.42B	-53.88B	-48.27B	-63.03B	-67.35B	-79.41B	-44.95B	-30.21B	-25.35B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Investing	-5.09B	-5.6B	-5.77B	-5.81B	-2.19B	1.82B	-1.74B	-5.37B	-24.69B	-3.11B
Cash from Financing+	-11.43B	-6.83B	-5.7B	1.25B	7.26B	5.06B	-3.68B	-602M	782M	-5.06B
Dividends Paid	-1.03B	-1.37B	-1.17B	-1.14B	-1.14B	-1.13B	-1.11B	-1.01B	-1.03B	-1.02B
Share Repurchases	-10.69B	-11.46B	-6.28B	-1.74B	0	-500M	-2.59B	-5.2B	-2.96B	-7.14B
Stock Issued	0	0	0	0	0	0	0	0	0	0
Debt Issuance (Net)	-1000K	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K
Other Financing	3.23B	4.13B	2.09B	3.06B	7.23B	5.07B	4.22B	6.41B	6.72B	4.49B
Net Change in Cash+	-129M	-131M	630M	621M	-71M	-57M	-803M	-211M	-643M	-201M
Exchange Rate Effect	-1000K	1000K	-1000K	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K
Cash at Beginning	1.76B	2.24B	2.11B	2.74B	3.36B	3.29B	3.23B	2.43B	2.22B	1.57B
Cash at End	1.63B	2.11B	2.74B	3.36B	3.29B	3.23B	2.43B	2.22B	1.57B	1.37B
Free Cash Flow+	2.88B	3.5B	-7.82B	-394M	-1.81B	1.04B	6.22B	4.13B	6.24B	3.27B
FCF Growth %	-0.43%	0.22%	-3.23%	0.95%	-3.59%	1.57%	5%	-0.34%	0.51%	-0.48%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	2.16	3.21	-8.4	-0.43	-2.03	1.19	7.2	5.25	8.61	4.98

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	94.43%	100.14%	97.06%	99.46%	89.38%	116.64%	74.33%	87.43%	89.76%	85.82%
Medical Cost Ratio	0%	0%	0%	0%	0%	0%	61.32%	75.78%	84.37%	65.98%
Return on Equity (ROE)	2.22%	-1.02%	-8.54%	-0.01%	5.37%	-8.83%	15.23%	18.2%	7.69%	-2.99%
Return on Assets (ROA)	0.43%	-0.17%	-1.22%	-0%	0.66%	-1.07%	1.75%	1.83%	0.69%	-0.4%
Equity / Assets	18.16%	15.43%	13.19%	11.65%	12.84%	11.46%	11.56%	8.32%	9.51%	26.38%
Book Value / Share	67.6	70.44	70.61	62.97	75.8	77.3	79.68	55.15	70.74	64.73
Debt / Equity	0.32x	0.40x	0.48x	0.60x	0.52x	0.56x	0.44x	0.63x	0.21x	0.21x
Revenue Growth	-8.8%	-10.47%	-5.35%	-4.9%	4.87%	-11.96%	18.58%	-42.34%	-6.73%	-2.46%

Revenue by Segment

	2013	2016	2017	2018	2019	2020	2021	2022	2023	2024
General Insurance	-	-	-	-	29.88B	26.59B	28.36B	27.72B	28.54B	27.71B
General Insurance Growth	-	-	-	-	-	-11.03%	6.67%	-2.25%	2.94%	-2.89%
Corporate Nonsegment and Reconciling Items	-	-	-	-	3.06B	1.39B	347M	392M	479M	870M
Corporate Nonsegment and Reconciling Items Growth	-	-	-	-	-	-54.74%	-74.95%	12.97%	22.19%	81.63%
Total Reconciling Items	-	-	-	-	836M	-995M	3.75B	10.67B	-1.08B	-548M
Total Reconciling Items Growth	-	-	-	-	-	-219.02%	477.39%	184.13%	-110.10%	49.17%
Life and Retirement	-	-	-	-	16.36B	17.27B	19.59B	17.65B	-	-
Life and Retirement Growth	-	-	-	-	-	5.62%	13.42%	-9.90%	-	-
General Insurance	-	-	29.69B	30.17B	-	-	-	-	-	-
General Insurance Growth	-	-	-	1.61%	-	-	-	-	-	-
Life And Retirement	-	-	15.59B	14.14B	-	-	-	-	-	-
Life And Retirement Growth	-	-	-	-9.30%	-	-	-	-	-	-
Legacy portfolio	-	5.25B	4.39B	3.04B	-	-	-	-	-	-
Legacy portfolio Growth	-	-	-16.36%	-30.79%	-	-	-	-	-	-
Corporate and Other	-	4.02B	1.41B	636M	-	-	-	-	-	-
Corporate and Other Growth	-	-	-64.83%	-54.99%	-	-	-	-	-	-
Consumer Insurance	-	24.05B	-	-	-	-	-	-	-	-
Consumer Insurance Growth	-	-	-	-	-	-	-	-	-	-
Commercial Insurance	-	21.37B	-	-	-	-	-	-	-	-
Commercial Insurance Growth	-	-	-	-	-	-	-	-	-	-
AIG Property Casualty Operating	73.66B	-	-	-	-	-	-	-	-	-
AIG Property Casualty Operating Growth	-	-	-	-	-	-	-	-	-	-
AIG Life Insurance and Retirement Operatings	25.72B	-	-	-	-	-	-	-	-	-
AIG Life Insurance and Retirement Operatings Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2013	2016	2017	2018	2019	2020	2021	2022	2023	2024
International	-	-	15.37B	16.39B	-	-	-	14.83B	13.24B	14.22B
International Growth	-	-	-	6.60%	-	-	-	-	-10.75%	7.43%
North America	-	-	34.15B	31B	-	-	-	41.6B	33.56B	13.03B
North America Growth	-	-	-	-9.21%	-	-	-	-	-19.32%	-61.18%
UNITED STATES	-	37.41B	-	-	-	-	-	-	-	-
UNITED STATES Growth	-	-	-	-	-	-	-	-	-	-
Other Foreign	-	6.71B	-	-	-	-	-	-	-	-
Other Foreign Growth	-	-	-	-	-	-	-	-	-	-
Europe	-	4.61B	-	-	-	-	-	-	-	-
Europe Growth	-	-	-	-	-	-	-	-	-	-
JP	-	3.64B	-	-	-	-	-	-	-	-
JP Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

American International Group, Inc. (AIG) saw revenue decline by 2.5% over the past year.

Yes, American International Group, Inc. (AIG) is profitable, generating $3.26B in net income for fiscal year 2024 (-5.1% net margin).

Dividend & Returns

Yes, American International Group, Inc. (AIG) pays a dividend with a yield of 2.06%. This makes it attractive for income-focused investors.

American International Group, Inc. (AIG) has a return on equity (ROE) of -3.0%. Negative ROE indicates the company is unprofitable.

Industry Metrics

American International Group, Inc. (AIG) has a combined ratio of 85.8%. A ratio below 100% indicates underwriting profitability.