American International Group Inc

American International Group Inc

AIG

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Market Cap$39.25B
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Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
American International Group IncAmerican International Group Inc12.92.5%-3%-7.60.2

Earnings Call Q1 2026

May 1, 2026 - AI Summary

Q1 performance: exceptional “momentum” with broad underwriting improvement - Management called it AIG’s strongest Q1 since Peter Zaffino joined. - General Insurance net premiums written: +18% YoY (constant currency), driven by Global Commercial +21% and Global Personal +11%. - Underwriting: Accident year combined ratio (adjusted) 86.6% (-120 bps YoY); loss ratio flat 57.3% (adjusted). - Global Personal Insurance: accident year combined ratio (adjusted) 89.9% (-570 bps YoY); calendar year combined ratio 89.4% (improvement from 107.9% prior year). - Capital & profitability: Adjusted after-tax EPS: $2.11 (+80% YoY); Core operating ROE 12.2%.
Premium growth tailwinds from reinsurance/renewals (including Everest) - AIG highlighted enhanced terms & conditions at the Jan 1 renewal cycle, with substantial YoY savings, including the Everest portfolio, contributing to Q1 net premiums written. - Reinsurance structure emphasized: lower net retention for nat cats and higher exhaust limits → better reinsurance pricing, supporting growth. - Investors will likely view this as a key driver of the strong Q1 premium growth, while management framed it as part of a consistent strategy (not a one-off).
Strong pricing discipline, but U.S. Property (large accounts) remains pressured - Q1 pricing direction (examples): - North America Property: -11% overall pricing - U.S. Property (Lexington large account / E&S): under “significant pricing pressure” - International Property: down 4% in the quarter (only the second quarter of rate reductions in 5 years) - U.S. casualty lines: broadly favorable (e.g., Excess Casualty +14%, Lexington Casualty +8%) - Response strategy: contracting Lexington large account portfolio (down -19% YoY) and non-renewing accounts that no longer meet expected risk-adjusted returns; capacity redeployment to better opportunities. - Key “good vs bad” message: underwriting remains strong, but management is actively shrinking in the segment facing the most pricing degradation.

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$81.50

Target Price by Analysts

6.7% upsideAmerican International Group Target Price DetailsTarget Price
$138.34

Current Fair Value

81.1% upside

Undervalued by 81.1% based on the discounted cash flow analysis.

Share Statistics

Market cap$39.25 Billion
Enterprise Value$47.56 Billion
Dividend Yield$1.85 (2.50%)
Earnings per Share$5.48
Beta0.54
Outstanding Shares538,100,000

Return

Return on Equity-2.56%ROE
Return on Assets-0.64%
Return on Invested Capital1.67%

Valuation & Multiples

P/E Ratio12.94P/E Ratio
PEG138.96PEG
Price to Sales-7.64Price to Sales
Price to Book Ratio1.02Price to Book Ratio
Enterprise Value to Revenue-9.75
Enterprise Value to EBIT17.83
Enterprise Value to Net Income-46
Total Debt to Enterprise0.21
Debt to Equity0.24Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 7, 2026
EPS Estimate
$1.93
Average shareholder expectation
Revenue Estimate
$7.02 B
Average shareholder expectation

Next Earnings Call

Expected Date
August 5, 2026
EPS Estimate
$1.93
Average shareholder expectation
Revenue Estimate
$7.27 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.7973▲ 36.01%
Total Calls3,351,202▼ 59.12%
Total Puts2,672,034▼ 25.44%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %88.65%▼ 2.79%
Total Invested$37.69B▼ 15.86%
Investors Holding1,171▼ 39.00%

ESG Score

No data

About American International Group Inc

2,020 employees
CEO: Robert Benmosche

Relevant Senate Committees

Joint Committee on Taxation

This committee provides the official revenue estimates and technical analysis for all tax legislation. Its influence is crucial as it shapes the actual tax policy that directly affects AIG's corporate tax burden, investment incentives, and overall financial performance.

Finance

This is a pivotal committee for AIG as it controls taxation, trade, and entitlement spending. Tax policy directly impacts AIG's corporate profitability, capital structure, and investment decisions, making its influence extremely high.

Agriculture, Nutrition, and Forestry

This committee oversees the CFTC, which regulates the derivatives/futures market. AIG, as a large financial institution, participates in these markets for hedging and investment, making direct regulatory influence from this committee highly relevant. The classification of cryptocurrencies also holds potential future impact.

Banking, Housing, and Urban Affairs

This committee directly regulates the entire U.S. financial system, including institutions like AIG (which has historically been designated a SIFI). Its decisions on capital requirements, financial stability, and broader financial market regulations are of paramount importance to AIG.

Foreign Relations

AIG operates globally and its international operations, investment portfolio, and risk assessments are directly impacted by U.S. foreign policy, sanctions legislation, global market stability, and sovereign credit risk, all of which fall under this committee's purview.