A vs AIG Stock Comparison

Scores Breakdown

Metric	A	AIG
📈 Growth	18/30	23/30
💰 Profitability	16/20	12/20
🏦 Financial Health	7/20	15/20
💵 Valuation	9/20	10/20
⚠️ Risk (lower is better)	7/10	6/10
Overall Score	53/100	64/100

Side-by-Side Summaries

A Analysis	AIG Analysis
📈 Growth & Financial Trajectory Over eight quarters, Revenues rose from about $1.66B to $1.84B, a positive trend, with a mid-2025 dip. Net income fluctuated from $308M–$434M, ending near $339M in 2026 Q2. The sequence shows top-line resilience but earnings volatility, implying improving mix or cost management but not a steady uplift in profitability. 💰 Margins & Cash Flow Gross Margin is generally in the mid-50s percentile, peaking around 63% in 2024 Q2 and typical ~50–55% in other quarters. Operating Margin has run in the high-teens to low-20s percent range on Revenues of ~$1.6–$1.8B. Operating cash flow remains positive across quarters (roughly $0.27–$0.55B), while investing cash flow is negative (capital outlays), and financing cash flow is often negative, reflecting debt/return actions. 🛡️ Balance Sheet & Liquidity Total Assets (~~$11–$13B) exceed Liabilities (~~$4.8–$6B) with Equity frequently negative, signaling balance-sheet rehabilitation needs. Current assets vs current liabilities suggests solid liquidity (working capital positive); long-term debt remains a meaningful load but generally manageable within cash flows. ⚠️ Key Drivers & Risks Drivers: Life sciences capex & instrument upgrades; continued demand for laboratory testing and automation. Risks: Earnings volatility from cyclic lab-spend; structural negative equity raises valuation sensitivity and balance-sheet risk.	📈 Growth & Financial Trajectory Over the eight quarters, Revenues stayed broadly flat in the $6.4B–$7.2B range, peaking at about $7.18B in 2024 Q4 and easing to around $6.65B by 2026 Q1. Net income progressed from a sizable quarterly loss in 2024 Q3 (~-$3.88B) to positive earnings from 2024 Q4 onward, with a peak near $1.14B in 2025 Q2, then moderating to roughly $0.52B–$0.76B across 2025 Q3–2026 Q1. This reflects meaningful earnings leverage despite a relatively flat revenue base, with a notable mid-2025 uplift followed by stabilization. 💰 Margins & Cash Flow Operating margins swung from the mid-teens to the low- to mid-20s in 2025 Q2 (peak around 22%), indicating strong operating leverage when volumes align with cost structure. Across quarters, the average margin sits in the low-teens, roughly around 12%. Operating cash flow was positive in most periods, signaling solid cash generation from core activities, while investing cash flow fluctuated and financing cash flow was typically negative, reflecting ongoing debt management and capital activity. 🛡️ Balance Sheet & Liquidity Assets run roughly $160–$166B with liabilities near $120–$125B and equity around $40–$41B, suggesting a solid asset base and meaningful equity cushion. The structure implies resilience supported by recurring operating cash flow, albeit with ongoing financing activity. ⚠️ Key Drivers & Risks Drivers: Steady core insurance volumes and favorable investment environment supporting earnings uplift. Risks: Earnings volatility from reserve development and sensitivity to macro/regulatory shifts that can affect margins.

A Analysis

AIG Analysis

📈 Growth & Financial Trajectory

Over eight quarters, Revenues rose from about $1.66B to $1.84B, a positive trend, with a mid-2025 dip. Net income fluctuated from $308M–$434M, ending near $339M in 2026 Q2. The sequence shows top-line resilience but earnings volatility, implying improving mix or cost management but not a steady uplift in profitability.

💰 Margins & Cash Flow

Gross Margin is generally in the mid-50s percentile, peaking around 63% in 2024 Q2 and typical ~50–55% in other quarters.
Operating Margin has run in the high-teens to low-20s percent range on Revenues of ~$1.6–$1.8B.
Operating cash flow remains positive across quarters (roughly $0.27–$0.55B), while investing cash flow is negative (capital outlays), and financing cash flow is often negative, reflecting debt/return actions.

🛡️ Balance Sheet & Liquidity

Total Assets (~~$11–$13B) exceed Liabilities (~~$4.8–$6B) with Equity frequently negative, signaling balance-sheet rehabilitation needs. Current assets vs current liabilities suggests solid liquidity (working capital positive); long-term debt remains a meaningful load but generally manageable within cash flows.

⚠️ Key Drivers & Risks

Drivers: Life sciences capex & instrument upgrades; continued demand for laboratory testing and automation.
Risks: Earnings volatility from cyclic lab-spend; structural negative equity raises valuation sensitivity and balance-sheet risk.

📈 Growth & Financial Trajectory

Over the eight quarters, Revenues stayed broadly flat in the $6.4B–$7.2B range, peaking at about $7.18B in 2024 Q4 and easing to around $6.65B by 2026 Q1. Net income progressed from a sizable quarterly loss in 2024 Q3 (~-$3.88B) to positive earnings from 2024 Q4 onward, with a peak near $1.14B in 2025 Q2, then moderating to roughly $0.52B–$0.76B across 2025 Q3–2026 Q1. This reflects meaningful earnings leverage despite a relatively flat revenue base, with a notable mid-2025 uplift followed by stabilization.

💰 Margins & Cash Flow

Operating margins swung from the mid-teens to the low- to mid-20s in 2025 Q2 (peak around 22%), indicating strong operating leverage when volumes align with cost structure. Across quarters, the average margin sits in the low-teens, roughly around 12%. Operating cash flow was positive in most periods, signaling solid cash generation from core activities, while investing cash flow fluctuated and financing cash flow was typically negative, reflecting ongoing debt management and capital activity.

🛡️ Balance Sheet & Liquidity

Assets run roughly $160–$166B with liabilities near $120–$125B and equity around $40–$41B, suggesting a solid asset base and meaningful equity cushion. The structure implies resilience supported by recurring operating cash flow, albeit with ongoing financing activity.

⚠️ Key Drivers & Risks

Drivers: Steady core insurance volumes and favorable investment environment supporting earnings uplift.
Risks: Earnings volatility from reserve development and sensitivity to macro/regulatory shifts that can affect margins.

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AMAT Score: 80 AME Score: 81 ANET Score: 84 GOOGL Score: 78 TMO Score: 75 WAT Score: 78

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