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AIG logoAmerican International Group, Inc.(AIG)Earnings, Financials & Key Ratios

AIG•NYSE•Insurance & Managed Care
$78.47
$42.1B mkt cap·14.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryCommercial and specialty P&C 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$26.77B-1.8%
  • Combined Ratio85.51%-0.4%
  • Net Income$3.1B+320.5%
  • Return on Equity7.4%+347.2%
  • Medical Cost Ratio65.49%-0.7%
  • Operating Margin14.49%+2.2%
  • Net Margin11.56%+324.6%
  • ROA1.92%+578.9%
  • Equity / Assets25.53%-3.2%
  • Book Value per Share72.18+11.5%
  • Tangible BV/Share62.46+10.6%
  • Debt/Equity0.22+6.5%
Analysis→Technical→

AIG Key Insights

American International Group, Inc. (AIG) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 85.5% combined ratio
  • ✓Healthy dividend yield of 2.2%
  • ✓Share count reduced 13.2% through buybacks
  • ✓Trading at only 1.1x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 4.0%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

AIG Price & Volume

American International Group, Inc. (AIG) stock price & volume — 10-year historical chart

Loading chart...

AIG Growth Metrics

American International Group, Inc. (AIG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-7.59%
5 Years-9.39%
3 Years-3.69%
TTM-2.28%

Profit CAGR

10 Years3.49%
5 Years-
3 Years-32.85%
TTM264.46%

EPS CAGR

10 Years12.65%
5 Years-
3 Years-25.13%
TTM345.95%

Return on Capital

10 Years1.23%
5 Years2.45%
3 Years2.92%
Last Year6.53%

AIG Recent Earnings

American International Group, Inc. (AIG) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 30, 2026
EPS
$2.11
Est $1.89
+11.6%
Revenue
$7.0B
Est $7.0B
-0.2%
Q1 2026
Feb 10, 2026
EPS
$1.96
Est $1.90
+3.2%
Revenue
$6.7B
Est $6.9B
-2.5%
Q4 2025
Nov 4, 2025
EPS
$2.20
Est $1.72
+27.9%
Revenue
$6.4B
Est $6.8B
-6.0%
Q3 2025
Aug 6, 2025
EPS
$1.81
Est $1.60
+13.1%
Revenue
$7.0B
Est $6.8B
+3.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 30, 2026
$2.11vs $1.89+11.6%
$7.0Bvs $7.0B-0.2%
Q1 2026Feb 10, 2026
$1.96vs $1.90+3.2%
$6.7Bvs $6.9B-2.5%
Q4 2025Nov 4, 2025
$2.20vs $1.72+27.9%
$6.4Bvs $6.8B-6.0%
Q3 2025Aug 6, 2025
$1.81vs $1.60+13.1%
$7.0Bvs $6.8B+3.8%
Based on last 12 quarters of dataView full earnings history →

AIG Peer Comparison

American International Group, Inc. (AIG) competitors in Commercial and specialty P&C insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
MET logoMETMetLife, Inc.Direct Competitor52.79B79.9013.453.29%5.43%13.16%28.63%0.68
PRU logoPRUPrudential Financial, Inc.Direct Competitor34.89B100.279.81-14.01%5.87%10.54%17.97%0.94
HIG logoHIGThe Hartford Financial Services Group, Inc.Direct Competitor36.89B134.1510.077.1%14.13%22.01%15.59%0.23
TRV logoTRVThe Travelers Companies, Inc.Direct Competitor65.17B301.3910.995.17%12.88%19.12%0.28
ALL logoALLThe Allstate CorporationDirect Competitor56.25B218.515.724.64%18.09%42.74%17.57%0.24
CB logoCBChubb LimitedDirect Competitor125.88B322.5712.546.47%17.25%13.62%11.55%0.28
AFL logoAFLAflac IncorporatedDirect Competitor58.97B114.4616.76-8.84%21%13.05%4.33%0.29
AXS logoAXSAXIS Capital Holdings LimitedProduct Competitor7.28B98.818.009.05%16.18%16.93%0.23

Compare AIG vs Peers

American International Group, Inc. (AIG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MET

Most directly comparable listed peer for AIG.

Scale Benchmark

vs BAC

Larger-name benchmark to compare AIG against a more recognizable public peer.

Peer Set

Compare Top 5

vs MET, PRU, HIG, TRV

AIG Income Statement

American International Group, Inc. (AIG) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue49.93B47.48B49.79B43.84B51.98B29.98B27.96B27.27B26.77B26.65B
Revenue Growth %-5.35%-4.9%4.87%-11.96%18.58%-42.34%-6.73%-2.46%-1.82%-2.28%
Medical Costs & Claims000031.88B22.71B23.59B17.99B17.53B16.39B
Medical Cost Ratio %0%0%0%0%61.32%75.78%84.37%65.98%65.49%61.5%
Gross Profit
49.93B▲ 0%
47.48B▼ 4.9%
49.79B▲ 4.9%
43.84B▼ 12.0%
20.11B▼ 54.1%
7.26B▼ 63.9%
4.37B▼ 39.8%
9.28B▲ 112.3%
9.24B▼ 0.4%
10.26B▲ 0%
Gross Margin %100%100%100%100%38.68%24.22%15.63%34.02%34.51%38.5%
Gross Profit Growth %-5.35%-4.9%4.87%-11.96%-54.14%-63.89%-39.79%112.26%-0.4%-
Operating Expenses48.46B47.22B44.51B51.13B6.76B3.49B1.51B5.41B5.36B6.25B
OpEx / Revenue %97.06%99.46%89.38%116.64%13%11.65%5.39%19.85%20.03%23.47%
Depreciation & Amortization3.87B5.36B5.01B4.12B4.54B3.86B3.84B3.6B3.46B2.59B
Combined Ratio %97.06%99.46%89.38%116.64%74.33%87.43%89.76%85.82%85.51%84.97%
Operating Income
1.47B▲ 0%
257M▼ 82.5%
5.29B▲ 1957.2%
-7.29B▼ 237.9%
13.35B▲ 283.0%
3.77B▼ 71.8%
2.86B▼ 24.0%
3.87B▲ 35.0%
3.88B▲ 0.3%
4.01B▲ 0%
Operating Margin %2.94%0.54%10.62%-16.64%25.67%12.57%10.24%14.18%14.49%15.03%
Operating Income Growth %2081.08%-82.47%1957.2%-237.94%283.01%-71.78%-24%35.03%0.34%-
EBITDA5.34B5.62B10.29B-3.17B17.89B7.63B6.7B7.46B7.33B6.59B
EBITDA Margin %10.69%11.83%20.67%-7.24%34.41%25.45%23.98%27.37%27.39%24.75%
Interest Expense1.17B1.31B1.42B1.46B1.3B603M516M462M396M404M
Non-Operating Income0000-1.3B-608M-520M-466M-396M-304M
Pretax Income
1.47B▲ 0%
257M▼ 82.5%
5.29B▲ 1957.2%
-7.29B▼ 237.9%
13.35B▲ 283.0%
3.77B▼ 71.7%
2.87B▼ 24.0%
3.87B▲ 35.0%
3.88B▲ 0.2%
3.91B▲ 0%
Pretax Margin %2.94%0.54%10.62%-16.64%25.67%12.58%10.25%14.19%14.49%14.66%
Income Tax7.53B154M1.17B-1.46B2.44B882M126M1.17B782M744M
Effective Tax Rate %513.37%59.92%22.05%20.02%18.29%23.38%4.39%30.23%20.16%19.05%
Net Income
-6.08B▲ 0%
-6M▲ 99.9%
3.35B▲ 55900.0%
-5.94B▼ 277.5%
10.37B▲ 274.4%
10.23B▼ 1.4%
3.64B▼ 64.4%
-1.4B▼ 138.5%
3.1B▲ 320.5%
3.16B▲ 0%
Net Margin %-12.19%-0.01%6.72%-13.56%19.94%34.12%13.03%-5.15%11.56%11.86%
Net Income Growth %-616.61%99.9%55900%-277.54%274.41%-1.35%-64.38%-138.54%320.51%264.46%
EPS (Diluted)
-6.54▲ 0%
-0.01▲ 99.9%
3.74▲ 56766.7%
-6.84▼ 282.9%
11.95▲ 274.7%
12.94▲ 8.3%
4.98▼ 61.5%
3.35▼ 32.7%
5.43▲ 62.1%
5.83▲ 0%
EPS Growth %-738.46%99.9%--282.89%274.71%8.28%-61.51%-32.73%62.09%345.95%
EPS (Basic)-6.54-0.013.79-6.8412.1013.105.023.385.48-
Diluted Shares Outstanding930.56M910.14M889.51M869.31M864.88M787.94M725.23M657.28M570.3M542.2M

AIG Balance Sheet

American International Group, Inc. (AIG) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets498.3B491.98B525.06B586.48B596.11B522.23B539.31B161.32B161.25B161.54B
Asset Growth %0.01%-1.27%6.72%11.7%1.64%-12.39%3.27%-70.09%-0.04%-4.94%
Total Investment Assets322.29B314.21B337.62B360.67B359.29B309.15B90.24B93.56B92.94B4M
Long-Term Investments264.45B251.73B271.84B296.05B68.73B70.62B12.14B15.14B55.81B174.23B
Short-Term Investments249.38B239.06B264.32B289.7B290.56B238.53B78.11B78.41B37.13B8.2B
Total Current Assets0000381.72B325.95B129.36B128.89B87.61B12.46B
Cash & Equivalents2.36B2.87B2.86B2.83B2.2B2.04B1.54B1.3B1.27B1.45B
Receivables10.25B11.01B10.27B11.33B88.93B85.34B49.68B49.11B49.13B155.49B
Other Current Assets-261.99B-252.95B-277.45B-303.86B32M33M32M70M71M0
Goodwill & Intangibles1.59B4.08B4.04B4.07B14.57B16.78B5.87B5.44B5.54B20.14B
Goodwill1.59B4.08B4.04B4.07B4.06B3.93B3.75B3.37B3.44B3.42B
Intangible Assets000010.51B12.86B2.12B2.06B2.11B0
PP&E (Net)0000000000
Other Assets-266.04B-255.81B-275.88B-300.12B119.37B94.07B385.76B6.89B7.2B0
Total Liabilities432.59B434.68B457.64B519.28B527.2B478.77B488B118.77B120.09B121.11B
Total Debt31.64B34.54B35.35B37.53B30.16B27.18B10.86B8.92B9.19B9B
Net Debt29.28B31.67B32.49B34.71B27.96B25.14B9.32B7.62B7.92B7.55B
Long-Term Debt31.64B34.54B35.35B37.53B30.16B25.68B10.61B8.92B9.19B9B
Short-Term Debt000001.5B250M000
Total Current Liabilities000098.34B99.74B102.42B101.04B102.66B1.49B
Accounts Payable0000006.22B6.05B5.45B0
Deferred Revenue000019.31B18.34B17.38B17.23B17.99B0
Other Current Liabilities000-43.06B79.03B79.9B73.35B72.6B73.96B1.49B
Deferred Taxes0000001000K1000K00
Other Liabilities-31.64B-34.54B-35.35B-37.53B398.7B353.35B374.63B8.39B8.25B110.62B
Total Equity
65.71B▲ 0%
57.31B▼ 12.8%
67.43B▲ 17.7%
67.2B▼ 0.3%
68.91B▲ 2.5%
43.45B▼ 36.9%
51.3B▲ 18.1%
42.55B▼ 17.1%
41.16B▼ 3.3%
40.43B▲ 0%
Equity Growth %-14.51%-12.78%17.66%-0.34%2.55%-36.94%18.06%-17.06%-3.26%-21.15%
Shareholders Equity65.17B56.36B65.67B66.36B65.96B40.97B45.35B42.52B41.14B40.41B
Minority Interest537M948M1.75B837M2.96B2.48B5.95B29M23M24M
Retained Earnings21.46B20.88B23.08B15.5B23.79B34.89B37.52B35.08B37.19B37.7B
Common Stock4.77B4.77B4.77B4.77B4.77B4.77B4.77B4.77B4.77B4.77B
Accumulated OCI5.46B-1.41B4.98B13.51B6.69B-22.62B-14.04B-7.1B-4.99B-5.71B
Return on Equity (ROE)-8.54%-0.01%5.37%-8.83%15.23%18.2%7.69%-2.99%7.4%7.7%
Return on Assets (ROA)-1.22%-0%0.66%-1.07%1.75%1.83%0.69%-0.4%1.92%1.94%
Equity / Assets13.19%11.65%12.84%11.46%11.56%8.32%9.51%26.38%25.53%25.03%
Debt / Equity0.48x0.60x0.52x0.56x0.44x0.63x0.21x0.21x0.22x0.22x
Book Value per Share70.6162.9775.8077.3079.6855.1570.7464.7472.1874.56
Tangible BV per Share68.9058.4871.2672.6262.8333.8562.6556.4662.4668.26

AIG Cash Flow Statement

American International Group, Inc. (AIG) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations-7.82B-394M-1.81B1.04B6.22B4.13B6.24B3.27B3.31B3.31B
Operating CF Growth %-323.24%94.96%-358.63%157.44%499.52%-33.57%51.02%-47.57%1.25%814.2%
Operating CF / Revenue %-15.66%-0.83%-3.63%2.37%11.97%13.79%22.33%12%12.38%12.44%
Net Income-6.08B103M4.12B-5.83B10.91B11.27B3.88B2.7B3.1B3.16B
Depreciation & Amortization3.87B5.36B5.01B4.12B4.54B4.41B4.21B3.6B3.46B3.44B
Stock-Based Compensation0000000000
Deferred Taxes0000000000
Other Non-Cash Items650M669M-1.5B6.97B-7B819M1.7B-667M519M-3.36B
Working Capital Changes-6.26B-6.53B-9.43B-4.22B-2.22B-12.37B-3.55B-2.36B-3.76B282M
Cash from Investing14.04B-223M-5.47B-6.2B-3.28B-3.63B-7.02B1.67B3.19B1.27B
Capital Expenditures0000000000
Acquisitions792M-5.71B2M2.17B4.68B03.31B000
Purchase of Investments-53.88B-48.27B-63.03B-67.35B-79.41B-44.95B-30.21B-25.35B0-5.79B
Sale/Maturity of Investments72.9B59.56B59.74B57.15B73.18B46.69B44.56B30.14B8.9B3.77B
Other Investing-5.77B-5.81B-2.19B1.82B-1.74B-5.37B-24.69B-3.11B-5.71B3.29B
Cash from Financing-5.7B1.25B7.26B5.06B-3.68B-602M782M-5.06B-6.54B-4.67B
Dividends Paid-1.17B-1.14B-1.14B-1.13B-1.11B-1.01B-1.03B-1.02B-976M-983M
Share Repurchases-6.28B-1.74B0-500M-2.59B-5.2B-2.96B-7.14B-5.84B-4.12B
Stock Issued0000000000
Debt Issuance (Net)-1000K1000K1000K1000K-1000K-1000K-1000K-1000K1000K-1000K
Other Financing2.09B3.06B7.23B5.07B4.22B6.41B6.72B4.49B129M-463M
Net Change in Cash
630M▲ 0%
621M▼ 1.4%
-71M▼ 111.4%
-57M▲ 19.7%
-803M▼ 1308.8%
-211M▲ 73.7%
-643M▼ 204.7%
-201M▲ 68.7%
-27M▲ 86.6%
120M▲ 0%
Exchange Rate Effect-29M-11M-47M49M-67M-117M-647M-83M12M-12M
Cash at Beginning2.11B2.74B3.36B3.29B3.23B2.43B2.22B1.57B1.37B1.34B
Cash at End2.74B3.36B3.29B3.23B2.43B2.22B1.57B1.37B1.34B1.53B
Free Cash Flow
-7.82B▲ 0%
-394M▲ 95.0%
-1.81B▼ 358.6%
1.04B▲ 157.4%
6.22B▲ 499.5%
4.13B▼ 33.6%
6.24B▲ 51.0%
3.27B▼ 47.6%
3.31B▲ 1.3%
3.52B▲ 0%
FCF Growth %-323.24%94.96%-358.63%157.44%499.52%-33.57%51.02%-47.57%1.25%30.65%
FCF Margin %-15.66%-0.83%-3.63%2.37%11.97%13.79%22.33%12%12.38%13.23%
FCF per Share-8.4-0.43-2.031.197.25.258.614.985.815.81

AIG Key Ratios

American International Group, Inc. (AIG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio97.06%99.46%89.38%116.64%74.33%87.43%89.76%85.82%85.51%84.97%
Medical Cost Ratio0%0%0%0%61.32%75.78%84.37%65.98%65.49%61.5%
Return on Equity (ROE)-8.54%-0.01%5.37%-8.83%15.23%18.2%7.69%-2.99%7.4%7.7%
Return on Assets (ROA)-1.22%-0%0.66%-1.07%1.75%1.83%0.69%-0.4%1.92%1.94%
Equity / Assets13.19%11.65%12.84%11.46%11.56%8.32%9.51%26.38%25.53%25.03%
Book Value / Share70.6162.9775.877.379.6855.1570.7464.7472.1874.56
Debt / Equity0.48x0.60x0.52x0.56x0.44x0.63x0.21x0.21x0.22x0.22x
Revenue Growth-5.35%-4.9%4.87%-11.96%18.58%-42.34%-6.73%-2.46%-1.82%-2.28%

AIG SEC Filings & Documents

American International Group, Inc. (AIG) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Apr 27, 2026·SEC

Material company update

Mar 16, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 12, 2026·SEC

10-Q Quarterly Reports

4
FY 2026

May 1, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 7, 2025·SEC

AIG Frequently Asked Questions

American International Group, Inc. (AIG) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

American International Group, Inc. (AIG) saw revenue decline by 1.8% over the past year.

Yes, American International Group, Inc. (AIG) is profitable, generating $3.16B in net income for fiscal year 2025 (11.6% net margin).

Dividend & Returns

Yes, American International Group, Inc. (AIG) pays a dividend with a yield of 2.18%. This makes it attractive for income-focused investors.

American International Group, Inc. (AIG) has a return on equity (ROE) of 7.4%. This is below average, suggesting room for improvement.

Industry Metrics

American International Group, Inc. (AIG) has a combined ratio of 85.5%. A ratio below 100% indicates underwriting profitability.

Explore More AIG

American International Group, Inc. (AIG) financial analysis — history, returns, DCA and operating performance tools

Full AIG Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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