AIG · NYSE · STOCK
American International Group (AIG) Stock Analysis
$76.55
52W $71.25 – $87.29
58/100
$41.03B
14.0
0.52
Is AIG Bullish or Bearish?
Bullish.
Innellis AI committee rates American International Group (AIG) Buy with a composite score of 58/100
, based on 6 analysts with 50% agreement.
Last updated August 25, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +17.28 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -2.72 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 12.7 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- 5 consecutive earnings beats -- consistent execution — Growth
- Low leverage (debt-to-equity 0.22) -- balance sheet can absorb a shock — Risk
Bear Case
- Revenue declining -2.3% YoY -- this is not a growth story right now — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Price structure making lower highs and lower lows — Technical
- MACD histogram negative -- bearish momentum — Technical
- Trend and market structure agree -- coherent bearish picture — Technical
- Current ratio of 0.04 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 25, 2026
Overall Committee Score
58/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 61%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.7 is inexpensive for the broad market
Growth Analyst
neutral
43
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ 5 consecutive earnings beats -- consistent execution
− Revenue declining -2.3% YoY -- this is not a growth story right now
Technical Analyst
neutral
42
/ 100 · High confidence
Mixed or range-bound price action
− Price structure making lower highs and lower lows
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.22) -- balance sheet can absorb a shock
− Current ratio of 0.04 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3063.01)
Investment Thesis Evolution
Committee score moved marginally from 57.7 to 57.7.
Comparing 2026-08-24 to 2026-08-25 (1 day apart).
Technical Analysis
RSI (14)
55.0
Neutral
MACD Histogram
-0.164
Bearish Momentum
Trend Direction
Downtrend
Weekly: Sideways
Market Structure
Lh Ll
Support
$76.12
Resistance
$78.94
Bollinger %B
0.44
Inside Bands
Price vs Moving Averages
EMA 9
$76.63
Below
EMA 21
$77.29
Below
EMA 50
$77.46
Below
EMA 200
$77.56
Below
Fundamental Analysis
Valuation
67
Growth
66
Profitability
39
Financial Health
73
Cash Flow
70
Valuation
P/E Ratio
14.0×
P/B Ratio
1.02×
PEG Ratio
8.46
Dividend Yield
2.39%
52W High
$87.29
52W Low
$71.25
Quality & Growth
ROE
752.6%
ROA
192.0%
Gross Margin
3806.5%
Operating Margin
1395.8%
Revenue Growth YoY
—
Debt / Equity
0.22
AI Fundamental Assessment
P/E ratio of 14.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 8.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 7.5%; Return on assets of 1.9%; Net margin of 11.1%; Gross margin of 38.1%; Current ratio of 1.36 (tight short-term liquidity); Debt-to-equity of 0.22; Free cash flow per share is positive (7.21); Most recent quarter beat estimates by 2.9%; 5 consecutive earnings beats; EPS growth decelerating (+7.7% -> -5.2% QoQ); Average YoY EPS growth of 10.5%; Analyst estimates flat over recent quarters
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