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American International Group, Inc.

AIG

Fire, Marine & Casualty Insurance

Mkt Cap

$50.18B

PE

13.23

Debt

$1B

Cash

$2.034B

EV

$49.14B

FCF

-

Market Cap

$50.18B

P/E Ratio

13.23

Debt

$1B

Cash

$2.034B

EV

$49.14B

FCF

-
Charts data: {"Earnings":[{"time":"2014-12-30","value":7524000000},{"time":"2015-12-30","value":2196000000},{"time":"2016-12-30","value":-849000000},{"time":"2017-12-30","value":-6084000000},{"time":"2018-12-30","value":-6000000},{"time":"2019-12-30","value":3326000000},{"time":"2020-12-30","value":-5973000000},{"time":"2021-12-30","value":9359000000},{"time":"2022-12-30","value":10247000000}],"Sales":[{"time":"2014-12-30","value":64406000000},{"time":"2015-12-30","value":58327000000},{"time":"2016-12-30","value":52367000000},{"time":"2017-12-30","value":49520000000},{"time":"2018-12-30","value":47389000000},{"time":"2019-12-30","value":49746000000},{"time":"2020-12-30","value":43736000000},{"time":"2021-12-30","value":52057000000},{"time":"2022-12-30","value":56437000000}],"Net Margins":[{"time":"2014-12-30","value":0.11682141415396081},{"time":"2015-12-30","value":0.03764980197850052},{"time":"2016-12-30","value":-0.016212500238699943},{"time":"2017-12-30","value":-0.122859450726979},{"time":"2018-12-30","value":-0.00012661166093397202},{"time":"2019-12-30","value":0.06685964700679452},{"time":"2020-12-30","value":-0.13656941649899396},{"time":"2021-12-30","value":0.1797836986380314},{"time":"2022-12-30","value":0.1815652851852508}],"Assets":[{"time":"2014-12-30","value":515581000000},{"time":"2015-12-30","value":496943000000},{"time":"2016-12-30","value":498264000000},{"time":"2017-12-30","value":498301000000},{"time":"2018-12-30","value":491984000000},{"time":"2019-12-30","value":525064000000},{"time":"2020-12-30","value":586481000000},{"time":"2021-12-30","value":596112000000},{"time":"2022-12-30","value":526634000000}],"Stockholders Equity":[{"time":"2014-12-30","value":107272000000},{"time":"2015-12-30","value":90210000000},{"time":"2016-12-30","value":76858000000},{"time":"2017-12-30","value":65708000000},{"time":"2018-12-30","value":57309000000},{"time":"2019-12-30","value":67427000000},{"time":"2020-12-30","value":67199000000},{"time":"2021-12-30","value":68912000000},{"time":"2022-12-30","value":42235000000}],"ROE":[{"time":"2014-12-30","value":0.0701394585726005},{"time":"2015-12-30","value":0.02434319920186232},{"time":"2016-12-30","value":-0.011046345208046007},{"time":"2017-12-30","value":-0.0925914652705911},{"time":"2018-12-30","value":-0.00010469559755012302},{"time":"2019-12-30","value":0.04932742076616192},{"time":"2020-12-30","value":-0.08888525126862007},{"time":"2021-12-30","value":0.13581088925005805},{"time":"2022-12-30","value":0.24261868118858768}],"ROA":[{"time":"2014-12-30","value":0.023699476900816748},{"time":"2015-12-30","value":0.006602366871049597},{"time":"2016-12-30","value":-0.00014851564632403707},{"time":"2017-12-30","value":0.0029419969054848374},{"time":"2018-12-30","value":0.0005223747113727276},{"time":"2019-12-30","value":0.010069248701110721},{"time":"2020-12-30","value":-0.012435185453578206},{"time":"2021-12-30","value":0.020296521459054674},{"time":"2022-12-30","value":0.027119403608578254}]}

American International Group, Inc. offers insurance products for commercial, institutional, and individual customers in North America and internationally. It operates through General Insurance, and Life and Retirement segments. The General Insurance segment provides commercial and industrial property insurance, including business interruption and package insurance that cover exposure to made and natural disasters; general liability, environmental, commercial automobile liability, workers' compensation, excess casualty, and crisis management insurance products; and professional liability insurance. This segment also offers marine, energy-related property insurance, aviation, political risk, trade credit, trade finance, and portfolio solutions, as well as operates reinsurance business; voluntary and sponsor-paid personal accident, and supplemental health products; and personal auto and personal property insurance. The Life and Retirement segment offers individual retirement products, including variable, fixed index, and fixed annuities, as well as retail mutual funds; group retirement products comprising record-keeping, plan administrative and compliance services, financial planning, and advisory solutions; life insurance, including term and universal life insurance; and institutional markets products, which includes wrap products, structured settlement, pension risk transfer annuities, corporate and bank-owned life insurance, high net worth, and guaranteed investment contract products. The company distributes its products through a network of brokers, agents, advisors, banks, and other distributors. American International Group, Inc. was founded in 1919 and is headquartered in New York, New York.

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In the chart Earnings are multiplied by this value.

Earnings Growth 15%
Earnings Stability -40%


Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12-201412-201512-201612-201712-201812-201912-202012-202112-2022TTM
Net Margin12%3.8%-1.6%-12%-0.013%6.7%-14%18%18%7.8%
ROA2.4%0.66%-0.015%0.29%0.052%1%-1.2%2%2.7%1.1%
ROE7%2.4%-1.1%-9.3%-0.01%4.9%-8.9%14%24%8.8%

What is the average Net Margin?

The average Net Margin over the past 5 years is +2.81%.

What is the trend of Net Margin?

The trend of Net Margin over the past 5 years is +5.31%.

What is the average Return on Assets (ROA)?

The average ROA over the past 5 years is +0.81%.

What is the trend of Return on Assets (ROA)?

The trend of ROA over the past 5 years is +0.45%.

What is the average Return on Equity (ROE)?

The average ROE over the past 5 years is +4.1%.

What is the trend of Return on Equity (ROE)?

The trend of ROE over the past 5 years is +5.56%.


Safety & Stabiliy

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12-201412-201512-201612-201712-201812-201912-202012-202112-2022TTM
Debt FCF-25.4124.46-3.49-112.51-28.6954.795.087.18-
Debt Equity0.290.330.400.480.600.520.560.440.680.02
MIN
Graham Stability----210%----100%-210%

What is the Debt/FCF?

The Debt/FCF trailing twelve month is -.

What is the trend of Debt/FCF?

The trend of Debt/FCF over the past 5 years is 13.99.

What is the Graham’s Stability?

Graham’s Stability measure stands at -2.06.


Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12-201512-201712-201912-2021Trend
Revenue-0.47%2.6%4.3%8.4%3.1%
Net Income25%-46%9.5%11%
Stockholders Equity-10%-8.5%-14%-39%0.00061%
FCF19%---33%54%

What is the 5 year Revenue CAGR?

The Revenue CAGR over the past 5 years is +2.65%.

What is the trend of Revenue growth?

The trend of Revenue growth rate over the past 5 years is +3.1%.

What is the 5 year Earnings CAGR?

The Earnings CAGR over the past 5 years is -.

What is the trend of Earnings growth?

The trend of Earnings growth rate over the past 5 years is +11.47%.

What is the 5 year Equity CAGR?

The Equity CAGR over the past 5 years is -8.46%.

What is the trend of Equity growth?

The trend of Equity growth rate over the past 5 years is 0%.

What is the 5 year FCF CAGR?

The FCF CAGR over the past 5 years is -.

What is the trend of FCF growth?

The trend of FCF growth rate over the past 5 years is +54.09%.