Reading the tape
NYSE: AIG
American International Group, Inc.
Financial Services · Insurance - Diversified
Market Cap
$40.33B
52w High
$87.46
52w Low
$71.25
P/E
12.95
Volume
2.40M
Outstanding Shares
530.21M
Price vs Fundamentals
Why The Stock Is Moving
Mixed / unclearLow confidence
1Y Price: -8.88%Revenue (TTM): -2.28%FCF (TTM): 30.65%P/FCF: 45th pct
What changed
The stock fell 8.88% over the last year. Revenue declined 2.28% over the trailing twelve months. Operating margin moved from 13.82% to 14.66%. Free cash flow grew 30.65% over the trailing twelve months.
What the market seems to be pricing
The stock has moved lower against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 14.66%. A decisive move in revenue — currently down 2.28% — would be the clearest signal to resolve the ambiguity.
Company profile
American International Group, Inc. offers insurance products for commercial, institutional, and individual customers in North America and internationally.
CEOPeter Salvatore Zaffino
SectorFinancial Services
IndustryInsurance - Diversified
Employees22,200
IPO dateJan 2, 1973
Valuation
Forward P/E—
EV/EBITDA7.28
Enterprise value$56.26B
Price / Book0.98
Stock splits
Jul 1, 2009↓ Reverse
Every 20 shares became 1
Jul 31, 2000↑ Forward
Every 2 shares became 3
Aug 2, 1999↑ Forward
Every 4 shares became 5
Aug 3, 1998↑ Forward
Every 2 shares became 3
Jul 28, 1997↑ Forward
Every 2 shares became 3
Jul 31, 1995↑ Forward
Every 2 shares became 3
Jul 30, 1993↑ Forward
Every 2 shares became 3
Jul 23, 1990↑ Forward
Every 4 shares became 5
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth-1.83%
Gross margin38.5%▲1.45%vs FY2024
Operating margin14.66%▲2.20%vs FY2024
ROE7.53%▲327.92%vs FY2024
Analyst consensus
RatingHold
Target price$85.63▲12.58%
15
Buy
25
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Aug 5, 2026
Q3 FY26 · EPS est $1.93 · Revenue est $7.29B
View
Dividends
$1.85/shareQuarterlyDividend Achiever · 12yrSafeAIG pays a dividend with a 2.43% declared yield, 12 consecutive years of growth, growing at 7.64% annually, covered 3.4× by free cash flow.
Declared Yield
2.43%
Annual Div / Share
$1.85
TTM $1.80
5yr CAGR
+7.64%
Doubles every ~9.4yr
Payout Ratio
31.1%
Safe
Dividend Growth Rate
3yr CAGR
+11.91%
5yr CAGR
+7.64%
10yr CAGR
+4.42%
Dividend Safety
10/10Safe
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2026$1.85+12.1%
2025$1.65+11.5%
2024$1.48+12.1%
2023$1.32+3.1%
2022$1.28+0.0%
2021$1.28+0.0%
2020$1.28+0.0%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$24/yr
$2/mo
In 5 yrs
$35/yr+45%
$3/mo
In 10 yrs
$51/yr+109%
$4/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$24/yr $2/mo | $35/yr+45% $3/mo | $51/yr+109% $4/mo |
Yield-on-cost grows from 2.43% → 5.08% over 10yr
Analysis
Dividend Strengths
Dividend Achiever
AIG has raised its dividend for 12 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Well-covered by free cash flow
The dividend is covered 3.4× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Strong dividend growth rate
The 5-year CAGR of 7.64% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
No strong risk signal stands out from the latest period pair.