# American International Group, Inc. (AIG) — Stock CV

American International Group, Inc. is a $40.3B financial services company. Revenue shrank 4.2% over the last year, and it keeps 11¢ of every dollar of sales as profit. It trades at 13.6× earnings — in the most expensive third of its own history.

> American International Group is one of the largest insurance and financial services firms in the world and has a global footprint. It operates through a wide range of subsidiaries that provide property, casualty, and life insurance.

## Identity

- **Ticker**: AIG
- **Sector**: Financial Services
- **Industry**: Fire, Marine & Casualty Insurance
- **Headquarters**: NEW YORK, NY
- **Employees**: 22 100
- **Website**: https://www.aig.com
- **Market cap**: $40.3B
- **Last price**: $77.04
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $26.6B
- **Net income**: $2.96B
- **Free cash flow**: $3.85B
- **Net cash**: $1.95B
- **P/E**: 13.6
- **Revenue growth (YoY)**: -4.2%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 75 |
| Growth | 25 |
| Profitability | 57 |
| Health | 53 |
| Quality | 52 |
| Moat | 0 |

## Qualifications (beginner checklist) — 8 of 11 passed

- [ ] Revenue growing — -4.2% YoY
- [x] Profitable — $2.96B TTM
- [ ] Profit growing — -25.2% YoY
- [x] Generates cash — $3.85B TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $40.3B market cap
- [x] Not printing shares — -34.4% shares over ~5y
- [x] Proven track record — 5/10 profitable years
- [ ] Financially stable — Altman Z 0.5 — distress
- [x] Pays a dividend — yield 2.46%
- [x] Valuation not extreme — P/E 13.6

## Experience (career milestones)

- **FY2023** — Became debt-free: cash now exceeds total debt
- **FY2022** — Best year on record: $10.3B net income
- **FY2020** — Positive free cash flow every year since: 6-year streak
- **FY2019** — Turned profitable: $3.35B net income after a loss year
- **FY2016** — Revenue already above $50B: $52.4B in first reported year

## Strengths

- Net cash position after subtracting debt from cash
- Interest covered 10.8× by operating earnings

## Watch-outs

- Revenue shrinking 4.2% year over year
- Altman Z-Score 0.47 — elevated financial-distress risk
- Loss-making in 5 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $52.1B | $9.39B | $6.28B |
| FY2022 | $56.4B | $10.3B | $4.21B |
| FY2023 | $46.8B | $3.64B | $6.24B |
| FY2024 | $27.3B | -$1.40B | $3.27B |
| FY2025 | $26.8B | $3.10B | $3.31B |

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Source: https://stockcv.com/AIG — derived from company filings; may be delayed or incomplete. Information, not investment advice.