American International Group, Inc. (AIG) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Diversified
EV/EBITDA
↑
6.82
↓-10% vs avg
5yr avg: 7.60
30Y Low3.8·High26.2
P/FCF
↑
12.70
+11% vs avg
5yr avg: 11.43
30Y Low0.2·High42.5
P/B Ratio
↑
1.09
+6% vs avg
5yr avg: 1.03
30Y Low0.0·High4.9
ROE
↓
7.4%
-19% vs avg
5yr avg: 9.1%
30Y Low-118%·High19%
Debt/EBITDA
↓
1.25
↓-33% vs avg
5yr avg: 1.86
30Y Low1.2·High13.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
AIG Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
American International Group, Inc. trades at 14.5x earnings, 19% above its 5-year average of 12.1x, sitting at the 38th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 8%. On a free-cash-flow basis, the stock trades at 12.7x P/FCF, 11% above the 5-year average of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $42.1B | $48.8B | $47.9B | $49.1B | $49.8B | $49.2B | $32.9B | $45.7B | $35.9B | $55.4B | $71.3B |
| Enterprise Value | $50.0B | $56.7B | $55.5B | $58.5B | $75.0B | $77.1B | $67.6B | $78.2B | $67.5B | $84.7B | $100.3B |
| P/E Ratio → | 14.45 | 15.76 | 21.73 | 13.60 | 4.89 | 4.76 | — | 13.72 | — | — | — |
| P/S Ratio | 1.57 | 1.82 | 1.75 | 1.76 | 1.66 | 0.95 | 0.75 | 0.92 | 0.76 | 1.11 | 1.35 |
| P/B Ratio | 1.09 | 1.19 | 1.12 | 0.96 | 1.15 | 0.71 | 0.49 | 0.68 | 0.63 | 0.84 | 0.93 |
| P/FCF | 12.70 | 14.72 | 14.62 | 7.87 | 12.05 | 7.90 | 31.71 | — | — | — | 20.35 |
| P/OCF | 12.70 | 14.72 | 14.62 | 7.87 | 12.05 | 7.90 | 31.71 | — | — | — | 20.35 |
P/E links to full P/E history page with 30-year chart
AIG EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
American International Group, Inc.'s enterprise value stands at 6.8x EBITDA, 10% below its 5-year average of 7.6x. The Financial Services sector median is 11.4x, placing the stock at a 40% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.12 | 2.03 | 2.09 | 2.50 | 1.48 | 1.54 | 1.57 | 1.42 | 1.70 | 1.90 |
| EV / EBITDA | 6.82 | 7.73 | 7.43 | 8.72 | 9.83 | 4.31 | — | 7.59 | 12.02 | 15.87 | 24.98 |
| EV / EBIT | 12.90 | 13.26 | 12.80 | 17.28 | 17.13 | 5.26 | — | 14.78 | 262.78 | 57.79 | — |
| EV / FCF | — | 17.11 | 16.95 | 9.36 | 18.13 | 12.40 | 65.14 | — | — | — | 28.64 |
AIG Profitability
Margins and return-on-capital ratios measuring operating efficiency
American International Group, Inc. earns an operating margin of 14.5%, below the Financial Services sector average of 21.4%. Operating margins have expanded from 10.2% to 14.5% over the past 3 years, signaling improving operational efficiency. ROE of 7.4% is modest, trailing the sector median of 9.5%. ROIC of 5.9% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 34.5% | 34.5% | 34.0% | 15.6% | 24.2% | 38.7% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating Margin | 14.5% | 14.5% | 14.2% | 10.2% | 12.6% | 25.7% | -16.6% | 10.6% | 0.5% | 2.9% | -0.1% |
| Net Profit Margin | 11.6% | 11.6% | -5.1% | 13.0% | 34.1% | 19.9% | -13.6% | 6.7% | -0.0% | -12.2% | -1.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.4% | 7.4% | -3.0% | 7.7% | 18.2% | 15.2% | -8.8% | 5.4% | -0.0% | -8.5% | -1.0% |
| ROA | 1.9% | 1.9% | -0.4% | 0.7% | 1.8% | 1.8% | -1.1% | 0.7% | -0.0% | -1.2% | -0.2% |
| ROIC | 5.9% | 5.9% | 5.2% | 3.3% | 3.4% | 10.1% | -5.4% | 4.2% | 0.2% | 1.1% | -0.0% |
| ROCE | 6.5% | 6.5% | 1.6% | 0.7% | 0.8% | 2.7% | -1.3% | 1.0% | 0.1% | 0.3% | -0.0% |
AIG Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
American International Group, Inc. carries a Debt/EBITDA ratio of 1.3x, which is manageable (70% below the sector average of 4.1x). Net debt stands at $7.9B ($9.2B total debt minus $1.3B cash). Interest coverage of 10.8x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | 0.22 | 0.21 | 0.21 | 0.63 | 0.44 | 0.56 | 0.52 | 0.60 | 0.48 | 0.40 |
| Debt / EBITDA | 1.25 | 1.25 | 1.20 | 1.62 | 3.56 | 1.69 | — | 3.43 | 6.15 | 5.93 | 7.70 |
| Net Debt / Equity | — | 0.19 | 0.18 | 0.18 | 0.58 | 0.41 | 0.52 | 0.48 | 0.55 | 0.45 | 0.38 |
| Net Debt / EBITDA | 1.08 | 1.08 | 1.02 | 1.39 | 3.30 | 1.56 | — | 3.16 | 5.64 | 5.48 | 7.23 |
| Debt / FCF | — | 2.39 | 2.33 | 1.49 | 6.08 | 4.49 | 33.44 | — | — | — | 8.29 |
| Interest Coverage | 10.80 | 10.80 | 9.38 | 6.56 | 7.26 | 11.23 | -5.01 | 3.73 | 0.20 | 1.26 | -0.06 |
AIG Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.85x is below 1.0, meaning current liabilities exceed current assets — though the company's $1.3B cash position helps mitigate short-term liquidity concerns. The current ratio has declined from 1.26x to 0.85x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.85 | 0.85 | 1.28 | 1.26 | 3.27 | 3.88 | — | — | — | — | — |
| Quick Ratio | 0.85 | 0.85 | 1.28 | 1.26 | 3.27 | 3.88 | — | — | — | — | — |
| Cash Ratio | 0.37 | 0.37 | 0.79 | 0.78 | 2.41 | 2.98 | — | — | — | — | — |
| Asset Turnover | — | 0.17 | 0.17 | 0.05 | 0.06 | 0.09 | 0.07 | 0.09 | 0.10 | 0.10 | 0.11 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
AIG Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
American International Group, Inc. returns 16.0% to shareholders annually — split between a 2.2% dividend yield and 13.9% buyback yield. The payout ratio of 31.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.2% | 2.0% | 2.1% | 2.0% | 2.0% | 2.2% | 3.4% | 2.4% | 3.2% | 2.1% | 1.9% |
| Payout Ratio | 31.5% | 31.5% | — | 27.4% | 9.6% | 10.4% | — | 33.3% | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.9% | 6.3% | 4.6% | 7.4% | 20.5% | 21.0% | — | 7.3% | — | — | — |
| FCF Yield | 7.9% | 6.8% | 6.8% | 12.7% | 8.3% | 12.7% | 3.2% | — | — | — | 4.9% |
| Buyback Yield | 13.9% | 12.0% | 14.9% | 6.0% | 10.4% | 5.3% | 1.5% | 0.0% | 4.8% | 11.3% | 16.1% |
| Total Shareholder Yield | 16.0% | 14.0% | 17.0% | 8.1% | 12.4% | 7.5% | 4.9% | 2.4% | 8.0% | 13.4% | 18.0% |
| Shares Outstanding | — | $570M | $657M | $725M | $788M | $865M | $869M | $890M | $910M | $931M | $1.1B |
Peer Comparison
Compare AIG with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 AIGYou | $42B | 14.5 | 6.8 | 12.7 | 34.5% | 14.5% | 7.4% | 5.9% | 1.3 |
 MET | $53B | 13.5 | 8.1 | 3.5 | 27.2% | 8.0% | 15.3% | 15.4% | 3.0 |
 PRU | $35B | 9.8 | 9.9 | 5.6 | 42.0% | 7.9% | 10.9% | 8.7% | 6.8 |
 HIG | $37B | 10.1 | 8.0 | 6.4 | 46.1% | 16.8% | 21.7% | 16.3% | 0.8 |
 TRV | $65B | 11.0 | 8.7 | — | 44.3% | 16.0% | 20.7% | 15.3% | 1.1 |
 ALL | $56B | 5.7 | 4.6 | 5.7 | 33.2% | 19.8% | 39.6% | 29.8% | 0.5 |
 CB | $126B | 12.5 | 10.9 | 8.7 | 29.4% | 21.8% | 13.9% | 10.8% | 1.7 |
 AFL | $59B | 16.8 | 11.1 | 23.1 | 38.9% | 26.6% | 13.1% | 11.8% | 1.5 |
 AXS | $7B | 8.0 | 6.2 | — | 49.9% | 18.7% | 16.2% | 14.8% | 1.2 |
 RNR | $13B | 5.3 | 3.4 | 3.5 | 40.7% | 31.5% | 14.6% | 16.0% | 0.6 |
 MKL | $22B | 10.4 | 7.6 | 8.6 | 69.4% | 16.5% | 11.5% | 10.7% | 1.5 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
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Start ComparisonAIG — Frequently Asked Questions
Quick answers to the most common questions about buying AIG stock.
What is American International Group, Inc.'s P/E ratio?
American International Group, Inc.'s current P/E ratio is 14.5x. The historical average is 17.4x. This places it at the 38th percentile of its historical range.
What is American International Group, Inc.'s EV/EBITDA?
American International Group, Inc.'s current EV/EBITDA is 6.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.3x.
What is American International Group, Inc.'s ROE?
American International Group, Inc.'s return on equity (ROE) is 7.4%. The historical average is 3.6%.
Is AIG stock overvalued?
Based on historical data, American International Group, Inc. is trading at a P/E of 14.5x. This is at the 38th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is American International Group, Inc.'s dividend yield?
American International Group, Inc.'s current dividend yield is 2.18% with a payout ratio of 31.5%.
What are American International Group, Inc.'s profit margins?
American International Group, Inc. has 34.5% gross margin and 14.5% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does American International Group, Inc. have?
American International Group, Inc.'s Debt/EBITDA ratio is 1.3x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.