How profitable is American International Group Inc. (AIG)?

In FY 2025 (10-K), AIG converted $26.8B of revenue into a 52% gross margin, 13.6% operating margin, and $2.1B in free cash flow (7.9% FCF margin).

Stock Ratings / Financials / AIG / financials

ACGL (80) HIG (71) ALL (79) CINF (77) ⌘ Pro Terminal →

American International Group Inc. (AIG) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$81.90 +0.56% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $82.18

American International Group Inc. (AIG) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 4% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $42.82B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AIG Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AIG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, American International Group Inc. (NYSE: AIG) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $81.90 (+0.56% 1D, market cap $42.82B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, AIG ranks #78 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AIG compare to ACGL and HIG in the Financials sector?

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Within the Financials sector (Property-Casualty Insurers), AIG carries a Roarable B- (71/100 RQD), trailing P/E of 13.8x, gross margin of —, and ROIC of 4.1%. By comparison, ACGL (Arch Capital Group Ltd.) holds a B+ grade (80/100 RQD, P/E 8.1x, ROIC 9.2%, cap $36.29B) and HIG (The Hartford Insurance Group Inc.) posts a B- grade (71/100 RQD, P/E 9.2x, ROIC 28.4%, cap $35.46B). Among the 5-stock peer group, ALL leads on earnings multiple (6.4x) while HIG leads on capital efficiency (28.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AIG?

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Per AIG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000005272), American International Group Inc. generated $26.77B in revenue (-1.7% YoY), $3.10B in net income, and $2.11B in free cash flow against $161.25B in total assets and $54.04B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $82.18 (+0.34%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 7.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AIG)Realized 20D OHLCV Swing Band: ±3.5%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY AIG SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+16/20 pts (23% of score)

20D Institutional Volume Accumulation (±3.5% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 13.6% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$77.43+5.6% Next Q

Q2 (-2Q)

Grade B-$81.75-2.3% Next Q

Q3 (-1Q)

Grade B-$79.88+2.5% Next Q

Current

Grade B-$81.90+6.8% Hist 90D α

Trajectory: C+ (63) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AIG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, AIG faces multiple-compression risk if 13.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($77.37) or 200D SMA ($76.94) invalidates the momentum regime and cuts Target Base ($86.69) toward Bear Floor ($67.16).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AIG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “AIG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How AIG Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$2.11B (7.9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $27.94B

FY24

Rev $27.25B

FY25

Rev $26.77B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$26.77B	52%	13.6%	$3.10B	$2.11B	3.7%
FY 2024	$27.25B	52%	-6.1%	-$1.40B	$2.05B	-1.7%
FY 2023	$27.94B	52%	15.4%	$3.64B	$4.99B	16.8%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring AIG)

✓Walkthrough of AIG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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AIG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +5.60%📐 HORIZONTAL RANGE

2026-11-03O $81.44H $81.90L $81.44C $81.90VOL 3.13M

RES: $83.37SUP: $70.11SMA50: $77.37SMA200: $76.94

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AIG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AIG Butterfly Map → + Track AIG →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

5.4%/yr Implied 5Y Growth

vs. -1.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on AIG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AIG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for AIG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AIG)

Financials Rank #78 of 1097 ⚔️ ACGL vs AIG Full Matrix →

1. Head-to-Head Financials Peer Comparison (AIG vs. ACGL, HIG, ALL, CINF)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, American International Group Inc. (AIG) ranks #78 by composite RQD confidence (71/100, grade B-) and #72 by equity capitalization ($42.82B). Within this direct 5-issuer industry benchmark cohort, ALL leads on earnings valuation at 6.4x trailing P/E, while HIG leads on capital efficiency and profitability with 28.4% ROIC and — gross margin. ACGL currently holds the highest overall quantitative score in the immediate peer group at 80/100 (B+) compared with AIG at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
AIG ACTIVE American International Group Inc.	B-	71/100	13.8x	—	4.1%	+0.56%	$42.82B	Benchmark Subject
ACGL Arch Capital Group Ltd.	B+	80/100	8.1x	—	9.2%	+2.33%	$36.29B	/acgl-vs-aig →
HIG The Hartford Insurance Group Inc.	B-	71/100	9.2x	—	28.4%	+0.40%	$35.46B	/hig-vs-aig →
ALL Allstate Corporation	B+	79/100	6.4x	—	18.2%	+1.54%	$65.71B	/all-vs-aig →
CINF Cincinnati Financial Corporation	B+	77/100	11.7x	—	9.2%	-0.37%	$27.81B	/cinf-vs-aig →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000005272 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), American International Group Inc. (AIG) reported GAAP revenue of $26.77B (-1.7% vs. FY2024 revenue of $27.25B , and -4.2% cumulative change since FY2023) , GAAP net income of $3.10B, operating cash flow of $3.31B, and free cash flow of $2.11B (+3.0% YoY). On the balance sheet, AIG closed FY2025 with $161.25B in total assets against $54.04B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$26.77B	$3.10B	$3.31B	$2.11B	$161.25B	$54.04B
FY2024 (FY)	2024-12-31	$27.25B	-$1.40B	$3.27B	$2.05B	$161.32B	$53.45B
FY2023 (FY)	2023-12-31	$27.94B	$3.64B	$6.24B	$4.99B	$33.53B	$7.84B

3. AIG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AIG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does AIG compare to ACGL and HIG in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for AIG?

Where is AIG trading relative to its 50-day, 200-day, and 52-week technical levels?

AIG last traded at $81.90 (+0.56% on volume of 3,125,586 shares), positioning the stock +5.85% above its 50-day simple moving average ($77.37) and +6.45% above its 200-day simple moving average ($76.94). Across its 52-week range of $71.25 to $87.29, AIG sits at the 66.4% percentile with a 14-day RSI of 63.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.5% ($79.03 to $84.77).

Direct Sub-Reports: AIG RQD Cockpit AIG 12M Forecast AIG Earnings & Move AIG Dividends & DRIP AIG Insiders & 13F AIG Whale Options AIG Profit Sankey AIG News & Why

ROARABLE RATING BRIEF • RQD 71/100 (B-) ✓ SEC XBRL & RQD VERIFIED

AIG — American International Group Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

American International Group Inc. (AIG) earns a live Roarable RQD composite score of 71/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $81.90 (+0.56% 1D, market capitalization $42.82B).

Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 4.1%, gross margin of —, operating margin of 14.1%, and free cash flow yield of 4.95%.
Whale 13F & Options Flow (16/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (14/20) + Forensic Balance Sheet (15/20): Incorporates a 0.87x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. (AIG) is a NYSE-listed issuer in the Financials sector and the Property-Casualty Insurers industry. — for detailed product lines, customer segments, or revenue mix. The source data indicates reported revenue of $26.77B for FY 2025 and an operating margin of 14.1%, which reflects how the business converts premiums and other revenue into operating profit.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), American International Group Inc. (AIG) reported $26.77B in annual revenue (up from $27.25B in FY2024, -1.7% YoY) and $3.10B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($27.94B revenue, $3.64B net income) through FY2025, AIG scaled operating cash flow to $3.31B and free cash flow to $2.11B, backed by $161.25B in total assets against $54.04B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B- • RQD 71/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $71.25 – $87.29 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.8x trailing P/E and 15.3x EV/EBITDA against 14.1% operating margins and a 0.87x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream suppliers, downstream customers, or sector correlations beyond the Financials / Property-Casualty Insurers classification.

Key Question #1: Can AIG sustain or expand its 14.1% operating margin and 4.1% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $26.77B and free cash flow of $2.11B, how will capital allocation balance growth reinvestment against $54.04B in total debt?
Key Question #3: How sensitive is AIG's 12.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.87x)?

AIG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for American International Group Inc. (AIG) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AIG Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Why American International Group (AIG) is a Great Dividend Stock Right Now

Yahoo Finance report covering American International Group Inc. (AIG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE StockInvest.us • 1d ago

American International Group Stock Price Forecast. Should You Buy AIG?

StockInvest.us report covering American International Group Inc. (AIG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Will Higher Premiums Help AIG Navigate Q3 Underwriting Pressures?

TradingView report covering American International Group Inc. (AIG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

American International Group: An 11.5% ROE Could Justify A Higher Multiple (NYSE:AIG)

Seeking Alpha report covering American International Group Inc. (AIG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

Here’s How Much You Would Have Made Owning American International Gr Stock In The Last 5 Years

Benzinga report covering American International Group Inc. (AIG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

AIG (AIG) Stock May Be 48% Undervalued As Latin America Expansion Grows

Yahoo Finance report covering American International Group Inc. (AIG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Baystreet.ca • 1d ago

Everest Agrees to Sell Chile Insurance to AIG

Baystreet.ca report covering American International Group Inc. (AIG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Simply Wall St • 1d ago

How Investors Are Reacting To AIG Stock Risk Leadership Changes

Simply Wall St report covering American International Group Inc. (AIG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AIG Bull vs. Bear Conversation Board — What's Your Call at $81.90?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AIG 🐻 33% BEARISH CONVICTION

DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $108.11 (+32.0%)

📌 Pinned Debate

Insider conviction (17/20) and a forensic balance sheet (15/20, Piotroski 7/9) support the stock at a 12.8 forward P/E.

Long AIG at $81.90 targeting $108.11. Insider conviction (17/20) and a forensic balance sheet (15/20, Piotroski 7/9) support the stock at a 12.8 forward P/E.. Institutional whale score is 16/20 and the risk/reward vs. the $71.25 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@FadeTheHype Fair point on 13.8x trailing P/E, but you're ignoring the forward operating leverage in Property-Casualty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $63.88 (-22.0%)

Spot @ $81.90

Weak cash efficiency, with ROIC at 4.1% and FCF yield at 4.95% (9/20), leaves the valuation resting on expectations of improvement.

Here is the bear case nobody on the bull side wants to address on AIG: Weak cash efficiency, with ROIC at 4.1% and FCF yield at 4.95% (9/20), leaves the valuation resting on expectations of improvement.. At 13.8x trailing P/E, even a small guidance miss in Property-Casualty Insurers triggers a 12-15% air pocket.