AIG (AIG): analysis in plain words
Is AIG cheap or expensive? How it makes money, whether it grows and its risks, explained in plain words and with its official accounts.
AIG (AIG) is listed on the NYSE and we classify it in insurance. Below are its key dated figures, how it makes money, how it compares with its sector, what works for and against AIG according to those figures, and the questions people ask most about the stock. No buy or sell tips.
AIG (AIG) key figures as of November 4, 2026
| Figure | Value | What it measures |
|---|---|---|
| Share price | $81.71 | Last price on November 4, 2026 |
| P/E ratio (TTM) | 15.0x | Price over earnings per share |
| Revenue growth | +0.5% | Latest quarter vs the same quarter a year earlier |
| Net margin (TTM) | 11.1% | Profit for every 100 of sales |
| Net debt / EBITDA | Not meaningful (financial company) | Years of operating profit to repay debt |
| Dividend yield | 2.48% | Annual dividend over price |
| Market cap | $42.7 billion | What the stock market values it at |
The AIG figures come from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026. Any AIG figure that is not available shows as N/A: we do not estimate it.
How AIG makes money
AIG collects premiums on property and casualty insurance. It reports North America Commercial and International Commercial, which cover businesses against property damage, liability and financial risks, plus Global Personal for individuals. Commercial lines make up most of the business, and the company also earns investment income on the premiums it holds.
Over the last 12 months, AIG brought in revenue of $26.7 billion. For every 100 it sells, AIG keeps 35.1 after the direct cost of what it sells (gross margin) and 19.4 after all operating costs (operating margin). With 22,100 full-time employees, that is about $1 million of revenue per employee.
AIG against its sector
To know whether a AIG figure is high or low you have to put it next to similar companies. This table compares AIG with the median of the 11 insurance companies Fintols covers, with data as of November 4, 2026.
| Figure | AIG | insurance median |
|---|---|---|
| P/E | 15.0x | 13.1x (11) |
| Revenue growth | +0.5% | +3.0% (11) |
| Net margin | 11.1% | 11.2% (11) |
| Dividend yield | 2.48% | 2.35% (11) |
| ROE | 7.2% | 18.4% (11) |
In short, against the typical insurance company, AIG grows more slowly and earns less on its equity. By size, AIG ranks number 7 of 7 insurance companies quoted in USD on Fintols.
The bull case for AIG
These are the strengths in the AIG figures as of November 4, 2026:
- Analysts expect AIG earnings to rise: its P/E on the next 12 months of estimated earnings is 9.3x, below the current 15.0x.
The main risk for AIG
The AIG figures as of November 4, 2026 show no clear red flag (no heavy debt, no losses, no falling sales). Its main risk is the one built into its business: natural catastrophes and claims above plan, plus swings in the markets where it invests premiums.
Frequently asked questions about AIG
Is it a good time to buy AIG stock?
Fintols does not tell you whether to buy or sell AIG, and nobody knows what the price will do tomorrow. What we can show you is where it stands today. As of November 4, 2026, AIG stock trades at $81.71, 6% below its 52-week high ($87.29) and 15% above its low ($71.25). Its P/E is 15.0x against a insurance median of 13.1x, and 9.3x on the earnings analysts expect over the next 12 months. With AIG, as with any stock, timing matters less than understanding the business, investing for the long run and not betting everything on a single company.
Does AIG pay a dividend?
Yes. As of November 4, 2026, AIG pays $2.00 per share a year, which at today's price is a yield of 2.48%. It uses 34% of its profit to pay it, which leaves room to keep paying it if profit dips. Its average dividend yield over the last five years is 2.16%. The insurance median on Fintols is 2.35%.
Is AIG stock expensive?
It depends on what you compare it with. On P/E, AIG trades at 15.0x its last 12 months of earnings: in line with the insurance median (13.1x). For a financial company you also look at price to book value: 1.1x (insurance median: 2.2x). A high P/E alone does not make AIG expensive: it can be justified if earnings grow fast, and a low one can reflect a business in trouble.
Who are AIG's competitors?
On Fintols we compare AIG with Progressive, Chubb and Berkshire Hathaway, which are also in insurance. As of November 4, 2026, Progressive is worth $136.0 billion and trades on a P/E of 11.8; Chubb is worth $143.0 billion and trades on a P/E of 13.1; Berkshire Hathaway is worth $1.24 trillion and trades on a P/E of 14.6. Each has a side-by-side comparison with AIG below.
AIG competitors
- Progressive (PGR) analysis · AIG vs Progressive comparison
- Chubb (CB) analysis · AIG vs Chubb comparison
- Berkshire Hathaway (BRK-B) analysis · AIG vs Berkshire Hathaway comparison
To understand AIG better
- How to Read a Balance Sheet: A Beginner's Guide
- P/E Ratio and EPS Explained: How to Read Them Without Traps
More companies like AIG: insurance stocks, S&P 500 companies and S&P 100 companies. Open the full AIG analysis with its valuation and scenarios. Educational content about AIG, not investment advice.