Stocks · Financial Services · Insurance - Diversified
American International Group, Inc. AIG
$74.93 -0.66% Close, Oct 2, 2026 · NYSE · Market cap $39.73B
Weak trendInexpensive vs sector
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 8.6% in a year, mainly through buybacks.
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +11.7%).
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth10Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 20%
- EPS growth (TTM, YoY)Bottom 31%
- FCF growth (TTM, YoY)Top 46%
- Revenue growth, 3-year CAGRBottom 5%
- Revenue growth accelerationBottom 39%
Quality56Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 30%
- Gross marginBottom 14%
- Operating marginBottom 30%
- Cash conversion (OCF / net income)Top 40%
- Accruals (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Top 46%
- Interest coverTop 15%
Value80Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 44%
- Free-cash-flow yieldTop 39%
- EBITDA / enterprise valueTop 10%
- Sales / enterprise valueTop 23%
- P/E vs own 5-year history (lower is better)Bottom 44%
Momentum17Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 21%
- 6-month returnBottom 20%
- 1-year return vs S&P 500Bottom 26%
- Distance from 52-week highBottom 37%
- Trend checklist (0–4)Bottom 9%
Revisions73Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 23%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyBottom 35%
- Upside to consensus price targetTop 44%
Stability72Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 43%
- Maximum drawdown, 3 yearsTop 24%
- Beta vs S&P 500 (lower is better)Top 28%
- Net debt / EBITDA (lower is better)Top 46%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -2.3% | -3.8% | ↓ |
| Gross margin | 34.1% | 38.1% | ↑ |
| Operating margin | 16.9% | 14.0% | ↓ |
| FCF margin | 11.4% | 14.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -3.8% | -2.3% | ↓ | Bottom 20% |
| EPS growth (TTM, YoY) | 2.2% | — | Bottom 31% | |
| Gross margin | 38.1% | 34.1% | ↑ | Bottom 14% |
| Operating margin | 14.0% | 16.9% | ↓ | Bottom 30% |
| Net margin | 11.1% | 11.5% | ↓ | — |
| Free-cash-flow margin | 14.4% | 11.4% | ↑ | — |
| Return on invested capital | 4.9% | — | Top 30% | |
| Revenue growth, 3-year CAGR | -3.7% | — | Bottom 5% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.30×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +2.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.02×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 9.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.50%
- Net buyback yield (TTM)
- 7.51%
- Shareholder yield
- 10.00%
- Share count change, 1 year
- -8.6%
- Share count change, 3-year CAGR
- -9.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +11.7%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $87.43
- Target vs current price
- +16.7%
- Analysts with a rating
- 41
- Share rating Buy or Strong Buy
- 37%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +4.2% | -0.2% | -5.0% | -5.0% | — |
| Apr 30, 2026 | +11.6% | +1.4% | +5.3% | +0.8% | +7.3% |
| Feb 10, 2026 | +3.2% | +0.1% | +6.0% | +4.2% | +3.7% |
| Nov 4, 2025 | +27.9% | +2.2% | -2.6% | -2.5% | -5.2% |
| Aug 6, 2025 | +13.1% | +0.8% | +0.1% | +3.7% | -0.6% |
| May 1, 2025 | +17.0% | -0.8% | +0.2% | +2.5% | -2.8% |
| Feb 11, 2025 | -2.3% | +1.1% | +0.5% | +8.7% | +8.8% |
| Nov 4, 2024 | +11.8% | +0.8% | -0.2% | +0.4% | -2.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $2.00 | $1.92 | +4.2% | $7.10B |
| Apr 30, 2026 | $2.11 | $1.89 | +11.6% | $6.78B |
| Feb 10, 2026 | $1.96 | $1.90 | +3.2% | $6.74B |
| Nov 4, 2025 | $2.20 | $1.72 | +27.9% | $6.40B |
| Aug 6, 2025 | $1.81 | $1.60 | +13.1% | $7.04B |
| May 1, 2025 | $1.17 | $1.00 | +17.0% | $6.77B |
| Feb 11, 2025 | $1.30 | $1.33 | -2.3% | $7.16B |
| Nov 4, 2024 | $1.23 | $1.10 | +11.8% | $6.75B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.7× | 10.7× | 65th | Top 44% |
| P/E (forward) | 9.3× | — | — | — |
| EV / EBITDA | 6.3× | — | — | Top 10% |
| EV / Sales | 1.77× | — | — | Top 23% |
| Free-cash-flow yield | 9.69% | — | — | Top 39% |
| Earnings yield | 7.30% | — | — | Top 44% |
P/E over the past five years
Range 3.4× – 14.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -5.9%
- Earnings per share growth (TTM)
- +2.2%
- Change in P/E multiple
- +0.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.6%
- 200-day average slope (20 days)
- -0.3%
- Distance from 50-day average
- -2.2%
- Distance from 200-day average
- -2.8%
- RSI (14)
- 47.4
- Relative volume
- 0.93×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.3%
- Volatility vs own 5-year history
- 20th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.37
- Correlation with S&P 500
- 0.27
- Current drawdown from 1-year high
- -13.5%
- Maximum drawdown, 3 years
- -18.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 6, 2023 | Mar 23, 2023 | -26.9% | 52 days | 168 days (Nov 21, 2023) |
| Mar 25, 2022 | Sep 30, 2022 | -26.4% | 130 days | 67 days (Jan 6, 2023) |
| Apr 2, 2025 | Jan 21, 2026 | -18.1% | 201 days | Not yet recovered |
| Jun 1, 2021 | Jul 8, 2021 | -16.2% | 26 days | 24 days (Aug 11, 2021) |
| Nov 3, 2021 | Dec 1, 2021 | -15.3% | 19 days | 27 days (Jan 10, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $39.73B
- P/E (TTM)
- 13.7
- EPS, diluted (TTM)
- $5.47
- Revenue (TTM)
- $26.69B
- Dividend yield
- 2.54%
- 52-week range
- $71.25 – $87.29
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $51.98B | $29.98B | $27.96B | $27.27B | $26.77B |
| Gross profit | $20.11B | $7.26B | $4.37B | $9.28B | $9.24B |
| Operating income | $13.35B | $3.77B | $2.86B | $3.87B | $3.88B |
| Net income | $10.37B | $10.23B | $3.64B | -$1.40B | $3.10B |
| EPS (diluted) | $11.95 | $12.94 | $4.98 | $3.35 | $5.43 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.75B | $7.17B | $6.77B | $7.04B | $6.40B | $6.56B | $6.65B | $7.08B |
| Net income | $459.0M | $898.0M | $698.0M | $1.14B | $519.0M | $735.0M | $763.0M | $948.0M |
| EPS (diluted) | $0.71 | $1.50 | $1.16 | $1.98 | $0.93 | $1.35 | $1.41 | $1.78 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $6.22B | $4.13B | $6.24B | $3.27B | $3.31B |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $6.22B | $4.13B | $6.24B | $3.27B | $3.31B |
| Dividends paid | -$1.08B | -$982.0M | -$997.0M | -$1.00B | -$976.0M |
| Net share buybacks | -$2.59B | -$5.20B | -$2.96B | -$7.14B | -$5.84B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $83.73B
- Total assets
- $163.46B
- Total liabilities
- $122.84B
- Total debt
- $9.13B
- Net debt
- $7.64B
- Shareholders’ equity
- $40.61B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 16, 2026 | $0.50 | Sep 30, 2026 |
| Jun 15, 2026 | $0.50 | Jun 29, 2026 |
| Mar 16, 2026 | $0.45 | Mar 30, 2026 |
| Dec 16, 2025 | $0.45 | Dec 30, 2025 |
| Sep 16, 2025 | $0.45 | Sep 30, 2025 |
| Jun 13, 2025 | $0.45 | Jun 27, 2025 |
| Mar 17, 2025 | $0.40 | Mar 31, 2025 |
| Dec 16, 2024 | $0.40 | Dec 30, 2024 |
Short interest
- Shares sold short
- 10,535,266
- Days to cover
- 2.24
- Change vs previous report
- +21.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 1, 2009
- 1-for-20
- Jul 31, 2000
- 3-for-2
- Aug 2, 1999
- 5-for-4
- Aug 3, 1998
- 3-for-2
- Jul 28, 1997
- 3-for-2