WinstonWınston
Back
Stock

AIA Group Limited

AAIGF
59
Insurance - Life · Financial Services
Price
$9.61
+0.36 (+3.89%)
Market Cap
$99.03B
Exchange
Other OTC
Winston Score
59
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Sep 14, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Strong
Growth
Strong
Cash Flow
Weak
Stability
Strong
Valuation
Strong
Dividends
Strong
Track this stock — start free trial

Share count falling — buybacks

−88.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 12.09B (2021) → 1.36B (2025)

§Winston Score History

The full picture

AIA Group is the largest independent publicly listed life insurance company in the Asia-Pacific region. It sells life insurance, health insurance, savings plans, and accident coverage to individuals and families across 18 markets in Asia. The company is headquartered in Hong Kong and has been operating in the region for over a century.

AIA makes money primarily from insurance premiums and investment returns on the funds it manages for policyholders. It operates in major markets including China, Thailand, Singapore, Malaysia, and Australia, giving it broad exposure to Asia's growing middle class. The company's deep brand recognition and extensive agent network across Asia create a strong competitive position that is difficult for newcomers to replicate. Key growth depends on rising insurance adoption in underpenetrated Asian markets, though economic slowdowns in China or regulatory changes across the region remain notable risks.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+12.9% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+70.8% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$337.0B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

AIA Group Limited is a rare growth stock that's already generating positive cash flow while growing at 13%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
58.7%
Premium pricing power — 58.7% gross margin
Profit after running costs
Operating Margin
29.6%
Excellent — 29.6% operating margin
Return on the money invested
ROCE
15.4%
Strong — 15.4% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth
Sales YoY
+24.7%
Fast-growing sales (+24.7% YoY)
Profit growth
EPS YoY
+35.7%
Earnings growing fast (+35.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Profit that turns into cash
Cash Conversion
20%
Weak — only 20% of profit becomes cash
Spare cash per sale
FCF Margin
4.1%
Thin free cash flow (4.1%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

What it owes vs what it owns
Debt / Equity
0.52
Conservative — low debt load (0.52)
Covers its interest
Interest Cover
14.06x
Comfortably covers interest (14.1x)

Interest coverage above 8. Profits cover interest many times over.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit
P/E Ratio (TTM)
12.6x
Attractive valuation — P/E 12.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+1.3
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend
Dividend Yield
2.86%
Moderate income — 2.86% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+18.3%
Dividend growing fast (18.3% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free
🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.
Start free trial