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American International Group Valuation

Q: What is the Fair Price of AINN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

AINN (€66.46) is trading below our estimate of [[fair value]] (€137.41)

Is AINN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of AINN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: AINN (€66.46) is trading below our estimate of fair value (€137.41)

Significantly Below Fair Value: AINN is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for AINN?

Key metric: As AINN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for AINN. This is calculated by dividing AINN's market cap by their current earnings.
What is AINN's PE Ratio?
PE Ratio	13.8x
Earnings	US$3.31b
Market Cap	US$45.45b

AINN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	1.2x
Enterprise Value/EBITDA	6x
PEG Ratio	1.5x

Price to Earnings Ratio vs Peers

How does AINN's PE Ratio compare to its peers?

The above table shows the PE ratio for AINN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	11.9x
601601 China Pacific Insurance (Group)	7.6x	-4.3%	CN¥291.4b
G Assicurazioni Generali	11.8x	8.2%	€41.4b
ZURN Zurich Insurance Group	18.6x	8.5%	CHF 80.1b
CS AXA	9.6x	5.4%	€68.6b
AINN American International Group	13.8x	9.2%	€45.5b

Price-To-Earnings vs Peers: AINN is expensive based on its Price-To-Earnings Ratio (13.8x) compared to the peer average (11.6x).

Price to Earnings Ratio vs Industry

How does AINN's PE Ratio compare vs other companies in the European Insurance Industry?

1 Company	Price / Earnings	Estimated Growth	Market Cap

1 Company		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: AINN is expensive based on its Price-To-Earnings Ratio (13.8x) compared to the European Insurance industry average (10.3x).

Price to Earnings Ratio vs Fair Ratio

What is AINN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

AINN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	13.8x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate AINN's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst AINN forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	n/a	€76.91 0%	6.2%	€87.89	€65.92	n/a	18
Nov ’25	n/a	€76.91 0%	6.2%	€87.89	€65.92	n/a	18
Oct ’25	n/a	€76.91 0%	6.2%	€87.89	€65.92	n/a	18
Sep ’25	n/a	€76.91 0%	6.2%	€87.89	€65.92	n/a	18
Aug ’25	€69.82	€78.52 +12.5%	6.5%	€88.96	€66.72	n/a	18
Jul ’25	€69.58	€78.10 +12.2%	6.1%	€85.96	€67.28	n/a	19
Jun ’25	€72.01	€77.24 +7.3%	5.8%	€84.81	€66.37	n/a	19
May ’25	€70.28	€76.68 +9.1%	6.9%	€84.83	€65.25	n/a	20
Apr ’25	€72.63	€72.04 -0.8%	6.6%	€80.40	€62.84	n/a	20
Mar ’25	€67.73	€72.04 +6.4%	6.6%	€80.40	€62.84	n/a	20
Feb ’25	€63.68	€70.68 +11.0%	7.0%	€79.59	€61.08	n/a	19
Jan ’25	€61.38	€67.54 +10.0%	7.5%	€77.44	€60.33	n/a	17
Dec ’24	€60.83	€66.80 +9.8%	6.8%	€76.32	€59.86	n/a	17
Nov ’24	€58.90	€67.47 +14.5%	7.8%	€76.69	€60.60	n/a	16
Oct ’24	€57.68	€64.71 +12.2%	9.0%	€74.66	€57.15	n/a	15
Sep ’24	€54.60	€64.71 +18.5%	9.0%	€74.66	€57.15	n/a	15
Aug ’24	€54.88	€61.54 +12.2%	10.2%	€71.91	€51.24	€69.82	15
Jul ’24	€52.70	€62.76 +19.1%	10.3%	€72.38	€52.22	€69.58	14
Jun ’24	€49.73	€64.41 +29.5%	9.3%	€73.42	€53.91	€72.01	13
May ’24	€47.62	€61.90 +30.0%	10.3%	€72.11	€50.20	€70.28	16
Apr ’24	€45.93	€64.26 +39.9%	10.0%	€79.16	€55.23	€72.63	16
Mar ’24	€57.67	€67.00 +16.2%	9.3%	€81.52	€56.87	€67.73	16
Feb ’24	€56.71	€64.90 +14.4%	8.8%	€79.38	€55.38	€63.68	16
Jan ’24	€59.34	€63.37 +6.8%	11.1%	€79.99	€54.58	€61.38	15
Dec ’23	€60.02	€64.18 +6.9%	10.8%	€81.58	€55.67	€60.83	15
Nov ’23	n/a	€65.81 0%	13.0%	€84.03	€53.66	€58.90	13

Analyst Forecast: Target price is less than 20% higher than the current share price.