American International Group

AIG

Insurance - Diversified · Financial Services

Also trades as: 0OAL.L

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Weak

Cash Flow

Exceptional

Stability

Strong

Valuation

Strong

Dividends

Strong

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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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Growth Profile

For growth stock investors

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

Revenue Growth

+0.6% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-10.5% YoY

YoY Growth Rate

Earnings declining

Insider Activity

0.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$10.6B cash & investments

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

Growth context

American International Group is growing revenue at 1% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

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

-44.8%

Thin — -44.8% gross margin

Profit after running costs

Operating Margin

-13.9%

Losing money on operations — -13.9%

Return on the money invested

ROCE

2.8%

Weak — 2.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

-3.8%

Shrinking sales (-3.8% YoY)

Profit growth

EPS YoY

+1.7%

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

307%

Turns 307% 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

6.74x

Adequate interest coverage (6.7x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

13.7x

no trend

Attractive valuation — P/E 13.7

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

+3.9

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (13.7 → 9.8)

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Dividends

Dividend

Dividend Yield

2.34%

no trend

Moderate income — 2.34% yield

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

Dividend record

Dividend Growth

+12.1%

no trend

Dividend growing fast (12.1% YoY)

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