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Upturn AI SWOT - About
AIG 
American International Group Inc (AIG)
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Upturn Advisory Summary
08/28/2025: AIG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
17 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $88.28
1 Year Target Price $88.28
| 5 | Strong Buy |
| 3 | Buy |
| 9 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.82% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 45.21B USD | Price to earnings Ratio 15.25 | 1Y Target Price 88.28 |
Price to earnings Ratio 15.25 | 1Y Target Price 88.28 | ||
Volume (30-day avg) 17 | Beta 0.65 | 52 Weeks Range 68.55 - 87.61 | Updated Date 08/28/2025 |
52 Weeks Range 68.55 - 87.61 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.01% | Basic EPS (TTM) 5.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-06 | When - | Estimate 1.6 | Actual 1.81 |
Profitability
Profit Margin 11.68% | Operating Margin (TTM) 22.72% |
Management Effectiveness
Return on Assets (TTM) 1.85% | Return on Equity (TTM) 7.6% |
Valuation
Trailing PE 15.25 | Forward PE 12.76 | Enterprise Value 52639714160 | Price to Sales(TTM) 1.65 |
Enterprise Value 52639714160 | Price to Sales(TTM) 1.65 | ||
Enterprise Value to Revenue 1.9 | Enterprise Value to EBITDA - | Shares Outstanding 554003968 | Shares Floating 551605013 |
Shares Outstanding 554003968 | Shares Floating 551605013 | ||
Percent Insiders 0.3 | Percent Institutions 95.24 |
Upturn AI SWOT
American International Group Inc
Company Overview
History and Background
American International Group Inc. (AIG) was founded in 1919 by Cornelius Vander Starr in Shanghai, China. Initially focused on insurance in Asia, AIG expanded globally throughout the 20th century. AIG faced a significant crisis during the 2008 financial crisis, requiring a U.S. government bailout. Since then, AIG has restructured its operations and refocused on its core insurance businesses.
Core Business Areas
- General Insurance: Provides a range of commercial and personal insurance products, including property, casualty, financial lines, and specialty insurance. Commercial Insurance includes property, casualty, financial lines, environmental, and other specialty coverages, while Personal Insurance covers home, auto, and umbrella policies. Known for its high-net worth clients and complex commercial risks.
- Life & Retirement: Offers life insurance, retirement solutions, and other financial services. AIG Life & Retirement was acquired by Corebridge Financial in September 2022 and AIG no longer reports under this sector.
Leadership and Structure
Peter Zaffino is the Chairman and CEO of AIG. The company is structured with various business units focusing on specific insurance products and geographies. AIG operates globally with regional headquarters and local offices.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Provides insurance coverage for commercial buildings and their contents. Market share is fragmented, AIG is a major player but faces competition from Chubb, Travelers, and other large insurers. Market share data is not readily available for specific product lines without accessing detailed industry reports.
- Casualty Insurance: Offers liability coverage for businesses, protecting them from claims of bodily injury or property damage. The casualty insurance market is highly competitive, with AIG competing against insurers like Liberty Mutual, Zurich, and Allianz. Market share data is not readily available for specific product lines without accessing detailed industry reports.
- Financial Lines Insurance: Includes directors and officers (D&O) liability, errors and omissions (E&O) liability, and other coverage lines related to financial risks. Competitors include Chubb, AXIS Capital, and Beazley. Market share data is not readily available for specific product lines without accessing detailed industry reports.
Market Dynamics
Industry Overview
The insurance industry is characterized by intense competition, regulatory oversight, and evolving risk landscapes. Factors like climate change, cybersecurity threats, and geopolitical instability are shaping the industry. Digital transformation and changing customer expectations are also significant trends.
Positioning
AIG is a large global insurer with a strong presence in commercial insurance. It leverages its global network and expertise to serve multinational corporations and high-net-worth individuals. It has been streamlining its operations and focusing on profitability.
Total Addressable Market (TAM)
The global insurance market is estimated to be in the trillions of dollars. AIG is positioned to capture a significant portion of this TAM through its diverse product offerings and global reach, particularly in commercial insurance and high-net-worth personal lines.
Upturn SWOT Analysis
Strengths
- Global presence and brand recognition
- Diverse range of insurance products
- Strong expertise in complex risks
- Significant capital base
Weaknesses
- History of financial instability (related to 2008 crisis)
- Complex organizational structure
- Exposure to large and unpredictable losses
- Restructuring costs
Opportunities
- Growth in emerging markets
- Increasing demand for cyber insurance
- Technological advancements in risk assessment
- Strategic acquisitions to expand product offerings
Threats
- Intense competition from other insurers
- Economic downturns impacting insurance demand
- Catastrophic events leading to large claims
- Changes in regulations
Competitors and Market Share
Key Competitors
- CB
- TRV
- WRB
Competitive Landscape
AIG competes with other large global insurers based on price, product offerings, and service quality. AIG's global reach and expertise in complex risks are advantages. However, its history and complex structure can be disadvantages compared to more focused competitors.
Major Acquisitions
Validus Re
- Year: 2018
- Acquisition Price (USD millions): 5560
- Strategic Rationale: Expanded AIG's reinsurance capabilities and presence in the property and casualty market.
Growth Trajectory and Initiatives
Historical Growth: AIG's growth has been influenced by economic cycles, strategic decisions, and the impact of the 2008 financial crisis. More recent growth reflects restructuring efforts and a focus on core insurance operations.
Future Projections: Analyst estimates for AIG's future growth would consider factors like insurance demand, pricing trends, and the success of its strategic initiatives. These projections are subject to change based on market conditions.
Recent Initiatives: Recent initiatives might include strategic acquisitions, divestitures, investments in technology, and efforts to streamline operations and reduce costs.
Summary
AIG is a large, global insurance company with a complex history. While it boasts a strong brand and global reach, it faces challenges from intense competition and a legacy of past financial difficulties. Recent restructuring efforts aim to improve profitability and focus on core insurance operations. Maintaining financial discipline and adapting to evolving risks are critical for AIG's future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Industry Analysis Reports
- MarketWatch
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and financial metrics are estimates and may vary. Investment decisions should be based on thorough research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About American International Group Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 1984-09-07 | CEO & Chairman Mr. Peter Salvatore Zaffino | ||
Sector Financial Services | Industry Insurance - Diversified | Full time employees 22200 | Website https://www.aig.com |
Full time employees 22200 | Website https://www.aig.com | ||
American International Group, Inc. offers insurance products for commercial, institutional, and individual customers in North America and internationally. It operates through three segments: North America Commercial; International Commercial; and Global Personal. The company 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. It also offers marine, energy-related property insurance, aviation, political risk, trade credit, trade finance, and portfolio solutions; voluntary and sponsor-paid personal accident, and supplemental health products; and personal auto and homeowners, extended warranty, device protection insurance, home warranty and related services, and insurance for high net-worth individuals. Further, the company provides mortgage and other loans receivable includes commercial mortgages, life insurance policy loans, and commercial loans, The company was founded in 1919 and is headquartered in New York, New York.
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