American International Group, Inc. provides insurance products for commercial, institutional, and individual customers in North America and internationally.
Fair value second-rate dividend payer.
Share Price & News
How has American International Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: AINN has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: AINN underperformed the German Insurance industry which returned 29.6% over the past year.
Return vs Market: AINN exceeded the German Market which returned 15% over the past year.
Price Volatility Vs. Market
How volatile is American International Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is American International Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: AINN (€44.99) is trading below our estimate of fair value (€92.88)
Significantly Below Fair Value: AINN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: AINN is poor value based on its PE Ratio (23.9x) compared to the Insurance industry average (12.7x).
PE vs Market: AINN is poor value based on its PE Ratio (23.9x) compared to the German market (21.1x).
Price to Earnings Growth Ratio
PEG Ratio: AINN is poor value based on its PEG Ratio (1.4x)
Price to Book Ratio
PB vs Industry: AINN is good value based on its PB Ratio (0.6x) compared to the DE Insurance industry average (1.2x).
How is American International Group forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AINN's forecast earnings growth (17% per year) is above the savings rate (-0.4%).
Earnings vs Market: AINN's earnings (17% per year) are forecast to grow faster than the German market (13.3% per year).
High Growth Earnings: AINN's earnings are forecast to grow, but not significantly.
Revenue vs Market: AINN's revenue is expected to decline over the next 3 years (-1.1% per year).
High Growth Revenue: AINN's revenue is forecast to decline over the next 3 years (-1.1% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AINN's Return on Equity is forecast to be low in 3 years time (7.8%).
How has American International Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AINN has high quality earnings.
Growing Profit Margin: AINN became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: AINN's earnings have declined by -63.4% per year over the past 5 years.
Accelerating Growth: AINN has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: AINN has become profitable in the last year, making it difficult to compare its past year earnings growth to the Insurance industry (7.8%).
Return on Equity
High ROE: AINN's Return on Equity (4.1%) is considered low.
Return on Assets
Return on Capital Employed
How is American International Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: AINN has a low level of unsold assets or inventory.
Debt Coverage by Assets: AINN's debt is covered by short term assets (assets are 2.1x debt).
Financial Institutions Analysis
Asset Level: AINN's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if AINN has a sufficient allowance for bad loans.
Low Risk Liabilities: AINN reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if AINN has an acceptable proportion of non-loan assets held.
Low Risk Deposits: AINN has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if AINN has an appropriate level of bad loans.
What is American International Group's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Purchase American International Group before the 'Buy Limit' to receive their next dividend payment.
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: AINN's dividend (2.64%) is higher than the bottom 25% of dividend payers in the German market (1.31%).
High Dividend: AINN's dividend (2.64%) is low compared to the top 25% of dividend payers in the German market (3.59%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, AINN has been paying a dividend for less than 10 years.
Growing Dividend: AINN's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (63%), AINN's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: AINN's dividends in 3 years are forecast to be well covered by earnings (26.6% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Brian Duperreault (72yo)
Mr. Brian Charles Duperreault has been the Chief Executive Officer and Director at American International Group, Inc. since May 14, 2017. Mr. Duperreault served as President at American International Group ...
CEO Compensation Analysis
Compensation vs Market: Brian's total compensation ($USD20.85M) is above average for companies of similar size in the German market ($USD4.37M).
Compensation vs Earnings: Brian's compensation has been consistent with company performance over the past year.
|Chief Executive Officer||2.8yrs||US$20.85m||0.013% $5.2m|
|Executive VP & CFO||1.2yrs||US$4.76m||no data|
|Executive VP & Chief Investment Officer||4.4yrs||US$9.71m||0.0094% $3.7m|
|Executive VP and CEO of Life & Retirement||6.3yrs||US$9.12m||0.019% $7.3m|
|Senior VP||1.5yrs||no data||no data|
|Executive VP & Chief Information Officer||1.4yrs||no data||no data|
|Head of Investor Relations & VP||9.1yrs||no data||no data|
|Chief Compliance Officer||10.1yrs||no data||no data|
|Executive VP & General Counsel||2.3yrs||no data||0.00087% $339.2k|
Experienced Management: AINN's management team is considered experienced (2.5 years average tenure).
|Chief Executive Officer||2.8yrs||US$20.85m||0.013% $5.2m|
|Independent Director||9.8yrs||US$314.11k||no data|
|Independent Director||6.8yrs||US$354.11k||0.0017% $670.6k|
|Independent Director||8.8yrs||US$344.11k||no data|
|Independent Director||1.1yrs||no data||0.0029% $1.1m|
|Independent Chairman of the Board||4.6yrs||US$564.11k||0.00055% $214.4k|
|Independent Director||11.6yrs||US$314.11k||no data|
|Independent Director||8.8yrs||US$344.11k||0.000010% $3.9k|
|Independent Director||4.6yrs||US$314.11k||no data|
|Independent Director||10.7yrs||US$324.11k||0.00036% $140.4k|
Experienced Board: AINN's board of directors are considered experienced (7.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
American International Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: American International Group, Inc.
- Ticker: AINN
- Exchange: DB
- Founded: 1919
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: US$42.175b
- Listing Market Cap: US$38.987b
- Shares outstanding: 869.95m
- Website: https://www.aig.com
Number of Employees
- American International Group, Inc.
- 175 Water Street
- New York
- New York
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|AIG||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Jan 1969|
|AIG *||BMV (Bolsa Mexicana de Valores)||Yes||Common Stock||MX||MXN||Jan 1969|
|AINN||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jan 1969|
|0OAL||LSE (London Stock Exchange)||Yes||Common Stock||GB||USD||Jan 1969|
|AIG||SWX (SIX Swiss Exchange)||Yes||Common Stock||CH||CHF||Jan 1969|
|AINN||XTRA (XETRA Trading Platform)||Yes||Common Stock||DE||EUR||Jan 1969|
|AIG||SNSE (Santiago Stock Exchange)||Yes||Common Stock||CL||USD||Jan 1969|
|AIG||WBAG (Wiener Boerse AG)||Yes||Common Stock||AT||EUR||Jan 1969|
|AINN||ETLX (Eurotlx)||Yes||Common Stock||IT||EUR||Jan 1969|
|AIG||BASE (Buenos Aires Stock Exchange)||CEDEAR EACH 5 REPR 1 ORD USD2.50||AR||ARS||Sep 2000|
|AIGB34||BOVESPA (Bolsa de Valores de Sao Paulo)||BDR EACH REPR 1 COM USD2.50||BR||BRL||Oct 2016|
|AIG.PRA||NYSE (New York Stock Exchange)||5.85 DP SH PFD A||US||USD||Mar 2019|
American International Group, Inc. provides insurance products for commercial, institutional, and individual customers in North America and internationally. The company’s General Insurance segment offers general liability, environmental, commercial automobile liability, workers’ compensation, excess casualty, and crisis management insurance products, as well as various risk-sharing and other customized structured programs; commercial, industrial, and energy-related property insurance; and aerospace, political risk, trade credit, portfolio solutions, surety, crop, and marine insurance. It also provides professional liability insurance products for a range of businesses and risks, including directors and officer’s liability, mergers and acquisitions, fidelity, employment practices, fiduciary liability, cyber risk, kidnap and ransom, and errors and omissions insurance. In addition, this segment offers personal auto and property insurance, voluntary and sponsor-paid personal accident, and supplemental health products; extended warranty insurance products; and travel insurance products. Its Life and Retirement segment offers variable annuities, fixed index and fixed annuities, and retail mutual funds; group mutual funds, fixed annuities, and variable annuities, as well as individual annuity and investment products, and financial planning and advisory services; and term life and universal life insurance. This segment also provides stable value wrap products, and structured settlement and pension risk transfer annuities; and corporate- and bank-owned life insurance and guaranteed investment contracts. This segment sells its products through independent marketing organizations, independent insurance agents, financial advisors, direct marketing, banks, wirehouses, and broker-dealers. The company’s Legacy Portfolio segment offers legacy insurance products. American International Group, Inc. was founded in 1919 and is headquartered in New York, New York.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/18 20:38|
|End of Day Share Price||2020/02/18 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.