American International Group, Inc.

DB:AINN Stock Report

Market Cap: €45.3b

American International Group Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • 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 (€72.92) is trading below our estimate of fair value (€160.25)

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 Ratio12.6x
EarningsUS$3.81b
Market CapUS$47.96b

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.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average11.9x
ALV Allianz
11.9x5.9%€112.8b
TLX Talanx
10.9x5.0%€20.7b
MUV2 Münchener Rückversicherungs-Gesellschaft in München
11.4x2.9%€65.2b
HNR1 Hannover Rück
13.2x5.6%€29.8b
AINN American International Group
12.6x37.4%€48.0b

Price-To-Earnings vs Peers: AINN is expensive based on its Price-To-Earnings Ratio (12.6x) compared to the peer average (11.9x).

Price to Earnings Ratio vs Industry

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

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
AINN 12.6xIndustry Avg. 11.9xNo. of Companies13PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: AINN is expensive based on its Price-To-Earnings Ratio (12.6x) compared to the European Insurance industry average (11.9x).

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 Ratio12.6x
Fair PE Ratio18.8x

Price-To-Earnings vs Fair Ratio: AINN is good value based on its Price-To-Earnings Ratio (12.6x) compared to the estimated Fair Price-To-Earnings Ratio (18.8x).

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.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€72.92
€80.36
+10.2%
6.1%€91.58€71.55n/a17
Nov ’25€69.63
€77.96
+12.0%
5.1%€83.23€69.36n/a17
Oct ’25€65.45
€75.38
+15.2%
5.9%€84.02€65.04n/a18
Sep ’25€68.53
€74.16
+8.2%
5.8%€83.10€64.33n/a17
Aug ’25€68.33
€78.52
+14.9%
6.5%€88.96€66.72n/a18
Jul ’25€68.82
€78.10
+13.5%
6.1%€85.96€67.28n/a19
Jun ’25€72.01
€77.24
+7.3%
5.8%€84.81€66.37n/a19
May ’25€70.45
€76.68
+8.8%
6.9%€84.83€65.25n/a20
Apr ’25€72.05
€72.04
-0.008%
6.6%€80.40€62.84n/a20
Mar ’25€67.50
€72.04
+6.7%
6.6%€80.40€62.84n/a20
Feb ’25€64.30
€70.68
+9.9%
7.0%€79.59€61.08n/a19
Jan ’25€61.10
€67.54
+10.5%
7.5%€77.44€60.33n/a17
Dec ’24€60.25
€66.80
+10.9%
6.8%€76.32€59.86€72.9217
Nov ’24€57.70
€67.47
+16.9%
7.8%€76.69€60.60€69.6316
Oct ’24€57.45
€64.71
+12.6%
9.0%€74.66€57.15€65.4515
Sep ’24€53.70
€64.71
+20.5%
9.0%€74.66€57.15€68.5315
Aug ’24€54.65
€61.54
+12.6%
10.2%€71.91€51.24€68.3315
Jul ’24€52.40
€62.76
+19.8%
10.3%€72.38€52.22€68.8214
Jun ’24€49.22
€64.41
+30.9%
9.3%€73.42€53.91€72.0113
May ’24€47.12
€61.90
+31.4%
10.3%€72.11€50.20€70.4516
Apr ’24€45.59
€64.26
+41.0%
10.0%€79.16€55.23€72.0516
Mar ’24€57.51
€67.00
+16.5%
9.3%€81.52€56.87€67.5016
Feb ’24€57.77
€64.90
+12.3%
8.8%€79.38€55.38€64.3016
Jan ’24€59.27
€63.37
+6.9%
11.1%€79.99€54.58€61.1015
Dec ’23€59.95
€64.18
+7.1%
10.8%€81.58€55.67€60.2515

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

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