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American International Group
AIGFinancialsGenerated Jul 5, 2026, 08:12 PM UTC
AIG (American International Group) analytical snapshot. Revenue declined +6.9% YoY to $27.94B. 5-year revenue CAGR -10.9%; 10y CAGR -8.9%. Net margin at 13.04% (expanding ▲). Market cap $42.09B at $79.39 per share. Trailing P/E 15.94, P/S 1.51, P/B 1.04. EV/Operating income ≈ 15.18 (EV $49.76B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score -5 (data confidence 79%). Descriptive analytics from public filings — not investment advice.
Market cap
$42.09B
530.21M shares
Price
$79.39
NYQ
P/E (ttm)
15.94
Revenue (FY)
$27.94B
YoY -6.9%
Net margin
13.04%
▲ 26.63pp
Free cash flow
—
Risk level
Elevated
Free SEC analysis
— computed from SEC filings, free to readFree previewFundamentals Analyst
Fundamentals
Fundamentals Analyst
score -20Deteriorating
80% conf
Revenue declined +6.9% YoY to $27.94B. 5-year revenue CAGR -10.9%; 10y CAGR -8.9%. Net margin at 13.04% (expanding ▲).
- Revenue declined +6.9% YoY to $27.94B.
- 5-year revenue CAGR -10.9%; 10y CAGR -8.9%.
- Net margin at 13.04% (expanding ▲).
- Return on equity 8.57%, ROA 2.26%, ROIC 0.00%.
- Gross margin 0.00%, operating margin 0.00%.
- Net income down ▼ +64.4% YoY.
- Debt/equity 0.23, current ratio —, net debt $7.66B.
- Asset turnover 0.17 — capital efficiency.
Revenue (FY)
$27.94B
YoY -6.9%
Net margin
13.04%
▲ 26.63pp
ROE
8.57%
ROA 2.26%
ROIC
0.00%
EPS (diluted)
$4.98
FY2025
Free cash flow
—
Debt / equity
0.23
Cash $1.53B
Current ratio
—
Equity $40.41B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2016 | $64.41B | — | 0.00 | 11.77 | 11.69 | $3.29B | 8.40 |
| 2017 | $58.33B | -9.4% | 0.00 | 3.76 | 3.76 | $1.76B | 2.88 |
| 2018 | $52.37B | -10.2% | 0.00 | -1.45 | -1.62 | $3.02B | -1.30 |
| 2019 | $49.52B | -5.4% | 0.00 | -12.29 | -12.29 | -$8.19B | -10.79 |
| 2020 | $47.39B | -4.3% | 0.00 | 0.08 | -0.01 | -$698.0M | -0.01 |
| 2021 | $49.75B | +5.0% | 0.00 | 6.59 | 6.73 | -$2.16B | 5.05 |
| 2022 | $43.74B | -12.1% | 0.00 | 0.00 | -13.59 | $695.0M | -9.01 |
| 2023 | $52.16B | +19.3% | 0.00 | 0.00 | 19.88 | $6.01B | 15.93 |
| 2024 | $30.00B | -42.5% | 0.00 | 0.00 | 34.09 | — | 22.55 |
| 2025 | $27.94B | -6.9% | 0.00 | 0.00 | 13.04 | — | 8.57 |
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Mar 31, 2025 | $6.78B | -46.1% | — | 10.29% |
| Jun 30, 2025 | $13.87B | +4.1% | +104.5% | 13.28% |
| Jun 30, 2025 | $7.09B | -46.8% | -48.9% | 25.98% |
| Sep 30, 2025 | $20.23B | +0.8% | +185.2% | 11.67% |
| Sep 30, 2025 | $6.35B | -68.4% | -68.6% | 37.18% |
| Mar 31, 2026 | $6.65B | -2.0% | +4.7% | — |
Revenue (annual, SEC 10-K)
2016: 64,406
2017: 58,327
2018: 52,367
2019: 49,520
2020: 47,389
2021: 49,746
2022: 43,736
2023: 52,157
2024: 29,996
2025: 27,938
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
GrossOperatingNet
Free cash flow (annual)
2016: 3,285
2017: 1,758
2018: 3,019
2019: -8,186
2020: -698
2021: -2,160
2022: 695
2023: 6,013
2024: 0
2025: 0
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst
Filings & Ownership
Regulatory Analyst
score 30Improving
80% conf
Latest annual report (10-K) filed Feb 12, 2026. Latest quarterly report (10-Q) filed May 1, 2026. 11 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 12, 2026.
- Latest quarterly report (10-Q) filed May 1, 2026.
- 11 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference American International Group; broad institutional reporting.
- Recent filers include Westchester Capital Management, LLC, Westchester Capital Management, LLC, Westchester Capital Management, LLC.
- 7 recent 13D activist/beneficial-ownership filings — potential catalyst.
- 13 recent 13G passive institutional ownership notices.
Latest 10-K
Feb 12, 2026
Annual report
Latest 10-Q
May 1, 2026
8-K (recent)
11
Insider net
—
0B/0S
13F filers
10k+
Activist 13D
7
Recent 13F institutional filers (SEC EDGAR full-text)
| Filer | Form | Filed |
|---|---|---|
| Westchester Capital Management, LLC | 13F-HR | Aug 15, 2016 |
| Westchester Capital Management, LLC | 13F-HR | May 15, 2017 |
| Westchester Capital Management, LLC | 13F-HR | May 15, 2015 |
| INVESTORS TRUST CO /PA | 13F-HR | Feb 15, 2002 |
| INVESTORS TRUST CO /PA | 13F-HR | Feb 1, 2001 |
Recent 8-K material events
| Date | Form | Description |
|---|---|---|
| May 14, 2026 | 8-K | 8-K |
| Apr 30, 2026 | 8-K | 8-K |
| Apr 27, 2026 | 8-K | 8-K |
| Mar 16, 2026 | 8-K | 8-K |
| Feb 10, 2026 | 8-K | 8-K |
| Jan 6, 2026 | 8-K | 8-K |
| Dec 15, 2025 | 8-K | 8-K |
| Nov 21, 2025 | 8-K | 8-K |
Free previewSEC Filing Analyst
SEC Filing Deep-Analysis
SEC Filing Analyst
score -57Deteriorating
64% conf
4 risk signal(s), 1 positive signal(s) detected from XBRL filing diff analysis. 4 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- NEW: Going concern doubt in latest filing: The term "going concern" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 17 filing(s).
- Material weakness in internal controls: The term "material weakness" appears in 36 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- NEW: Substantial doubt about ability to continue in latest filing: The term "substantial doubt" "ability to continue" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 8 filing(s).
- NEW: Restatement of financial statements in latest filing: The term "restate" "financial statements" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 14 filing(s).
- Operating cash flow exceeds net income: OCF is 1.71x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- Endogenous analysis: 4 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 3 new risk-language term(s) detected in filing text: Going concern doubt, Substantial doubt about ability to continue, Restatement of financial statements.
- Ongoing high-severity risk language: Material weakness in internal controls.
Revenue
$27.94B
-6.9% YoY
Operating income
$3.28B
+9005.6% YoY
Net income
$3.64B
-64.4% YoY
Operating cash flow
$6.24B
+51.0% YoY
Capex
$210.0M
-38.8% YoY
Total assets
$161.32B
-70.1% YoY
Total liabilities
$118.77B
-75.7% YoY
Long-term debt
$8.92B
-15.9% YoY
Filing quality score
65/100
stable
SEC XBRL metric changes (latest annual vs prior)
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $30.00B | $27.94B | $-2.06B | -6.9% |
| Operating income | $36.0M | $3.28B | $3.24B | +9005.6% |
| Net income | $10.23B | $3.64B | $-6.58B | -64.4% |
| Operating cash flow | $4.13B | $6.24B | $2.11B | +51.0% |
| Capex | $343.0M | $210.0M | $-133.0M | -38.8% |
| Total assets | $539.31B | $161.32B | $-377.98B | -70.1% |
| Total liabilities | $488.00B | $118.77B | $-369.23B | -75.7% |
| Long-term debt | $10.61B | $8.92B | $-1.68B | -15.9% |
| Cash & equivalents | $1.57B | $1.57B | $2.0M | +0.1% |
| Stockholders equity | $45.35B | $42.52B | $-2.83B | -6.2% |
| SG&A expense | $6.16B | $5.40B | $-760.0M | -12.3% |
| Interest expense | $603.0M | $516.0M | $-87.0M | -14.4% |
XBRL disclosure changes (new vs dropped concepts)
| Type | Concepts |
|---|---|
| Removed | AllocatedShareBasedCompensationExpense, AllocatedShareBasedCompensationExpenseNetOfTax, AssumedPremiumsEarned, BusinessExitCosts1, CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations, CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations, CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations, CededPremiumsEarned, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit |
Risk language in filing text (EDGAR full-text search)
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 17 | 0 | NEW |
| Material weakness in internal controls | high | 36 | 2 | Ongoing |
| Substantial doubt about ability to continue | high | 8 | 0 | NEW |
| Restatement of financial statements | high | 14 | 0 | NEW |
| Impairment charge | medium | 85 | 3 | Ongoing |
| Restructuring | medium | 127 | 9 | Ongoing |
| Off-balance sheet arrangements | medium | 102 | 8 | Ongoing |
| Related party transactions | low | 46 | 3 | Ongoing |
Filing signal breakdown
Red flags: 4
Positive: 1
Watch: 0
Red flags
Positive
Watch
Unlock the rest
- ProValuationMarket cap $42.09B at $79.39 per share.
- ProPrice & TechnicalsPrice $79.39 — uptrend (above 200-DMA); 1-month momentum positive.
- ProMacro & RatesMarket regime: Risk-on · Supportive.
- ProRisk ScorecardComposite risk: Elevated.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. American International Group is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
16.59
Fed funds
3.63%
CPI YoY
+4.2%
Analytical read
deterministic previewPrice $79.39 — uptrend (above 200-DMA); 1-month momentum positive..
Risk
Elevated
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Peer comparison
Rate-sensitive groupHow AIG stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Capital One Financial COF | 23 | Neutral |
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| American Express Co. AXP | 11 | Neutral |
| Bank of America Corp. BAC | 11 | Neutral |
| Visa Inc. V | 8 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Public Storage PSA | 8 | Neutral |
| Dominion Energy D | 6 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| PNC Financial Services PNC | 4 | Neutral |
| Realty Income Corp. O | 4 | Neutral |
| Travelers Cos. TRV | 2 | Neutral |
| Duke Energy Corp. DUK | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Wells Fargo & Co. WFC | -1 | Neutral |
| Welltower Inc. WELL | -1 | Neutral |
| Exelon Corp. EXC | -3 | Neutral |
| NextEra Energy NEE | -4 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| American International Group AIG● you | -5 | Neutral |
| Truist Financial TFC | -5 | Neutral |
| Digital Realty Trust DLR | -6 | Neutral |
| Allstate Corp. ALL | -7 | Neutral |
| S&P Global SPGI | -8 | Neutral |
| American Water Works AWK | -9 | Neutral |
| Goldman Sachs Group GS | -10 | Neutral |
| Citigroup Inc. C | -11 | Neutral |
| Moody's Corp. MCO | -13 | Neutral |
| Morgan Stanley MS | -13 | Neutral |
| MetLife Inc. MET | -13 | Neutral |
| Southern Company SO | -15 | Neutral |
| BlackRock Inc. BLK | -15 | Neutral |
| Equinix Inc. EQIX | -16 | Neutral |
| American Electric Power AEP | -18 | Neutral |
| Crown Castle Inc. CCI | -18 | Neutral |
| American Tower Corp. AMT | -39 | Neutral |