AIGAIG
US • —
$74.53
P/E
13.16
PEG
—
FCF Yield
—
Rev Growth YoY
-2.3% YoY
Gross Margin
—
Health Score
6/10
D/E Ratio
0.22
Confidence
LOW
Business Snapshot
American International Group (AIG) is a global insurance company with a presence in property-casualty insurance, life insurance, and retirement services. The company operates across a fragmented and highly competitive global insurance market, functioning as a major incumbent with significant scale. While exact revenue figures and market capitalisation are not available in this data set, the company's P/E ratio and earnings beat history suggest an established, reporting entity rather than a start-up. AIG's key differentiating characteristic is its large, diversified insurance and asset management platform, which provides a degree of earnings stability across economic cycles.
Financial Health
The net margin stands at 11.9%, indicating a reasonable level of profitability, though gross margin data is unavailable for direct cost analysis. The balance sheet appears conservative, with a low debt-to-equity ratio of 0.22x, suggesting ample financial flexibility...
Risk Assessment
- VALUATION — The P/E of 13.16x is at a discount to the sector average of 22x, which could indicate a value trap if earnings continue to decline.
- LIQUIDITY — The current ratio of 0.04x is well below the 1.0x threshold, indicating a balance sheet that relies on consistent cash inflows to meet short-term liabilities.
- REVENUE DECELERATION — Revenue declined by 2.3% year-over-year, signaling a contraction in the core business.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed....
The net margin stands at 11.9%, indicating a reasonable level of profitability, though gross margin data is unavailable for direct cost analysis. The balance sheet appears conservative, with a low debt-to-equity ratio of 0.22x, suggesting ample financial flexibility. However, the current ratio of 0.04x is exceptionally low, a common feature for insurance companies due to the nature of their liabilities but a critical liquidity risk metric for general corporate analysis. Free cash flow and its yield are not reported, preventing a full assessment of cash generation ability. Overall, the company has low leverage but significant working capital liabilities, implying that an investor's focus should be on underwriting discipline and reserve adequacy rather than near-term liquidity.
- VALUATION — The P/E of 13.16x is at a discount to the sector average of 22x, which could indicate a value trap if earnings continue to decline. - LIQUIDITY — The current ratio of 0.04x is well below the 1.0x threshold, indicating a balance sheet that relies on consistent cash inflows to meet short-term liabilities. - REVENUE DECELERATION — Revenue declined by 2.3% year-over-year, signaling a contraction in the core business. - TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
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