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American International Group

AIG
48
Insurance - Diversified · Financial Services
Also trades as: 0OAL.L GBP 0.82 (-1.70%)
Price
$81.36
-1.68 (-2.02%)
Market Cap
$43.13B
Winston Score
48
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 23, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Mixed
12/30
Growth
Weak
4/20
Cash Flow
Exceptional
9/10
Stability
Exceptional
9/10
Valuation
Strong
8/10
Ownership
Weak
2/15
Dividends
Strong
4/5

48 of 100 counted points = Winston Score 48.

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Share count falling — buybacks

−34.1% over 4y

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

Diluted shares outstanding: 864.9M (2021) → 570.3M (2025)

§Winston Score History

The full picture

American International Group, or AIG, is one of the largest insurance companies in the world. It sells insurance products to businesses and individuals, helping them protect against risks like property damage, liability lawsuits, and financial losses. AIG is especially known for its commercial insurance, which covers large corporations, and it operates across dozens of countries.

AIG makes money by collecting premiums from customers and investing that money until claims need to be paid. The company operates globally, with a strong presence in North America, Europe, and Asia, and its scale gives it an advantage in pricing complex, large-scale risks that smaller insurers cannot easily handle. AIG has spent recent years simplifying its business after a major government bailout during the 2008 financial crisis, and its main challenge going forward is improving profitability in a competitive market where rising catastrophe losses from events like hurricanes and wildfires continue to pressure insurance payouts.

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Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
36.7%
Modest — 36.7% gross margin
Profit after running costs
Operating Margin
19.3%
Healthy — 19.3% operating margin
Return on the money invested
ROCE
7.5%
Weak — 7.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
-3.8%
Shrinking sales (-3.8% YoY)
Profit growth
EPS YoY
+2.4%
Flat earnings

Single-digit earnings growth — steady but not exciting.

How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash
Cash Conversion
130%
Turns 130% of profit into real cash
Spare cash per sale
FCF Margin
14.4%
Converts sales into free cash efficiently (14.4%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns
Debt / Equity
0.22
Conservative — low debt load (0.22)
Covers its interest
Interest Cover
9.22x
Comfortably covers interest (9.2x)

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

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Valuation

Price vs profit
P/E Ratio (TTM)
14.8x
Attractive valuation — P/E 14.8

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
+5.6
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (14.8 → 9.1)

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Dividends

Dividend
Dividend Yield
2.74%
Moderate income — 2.74% yield

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

Dividend record
Dividend Growth
+11.8%
Dividend growing fast (11.8% YoY)
Payout Ratio
33%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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