Stocks analysis

AEP vs AIG Stock Comparison

Scores Breakdown

Metric AEP AIG
📈 Growth 12/30 12/30
💰 Profitability 14/20 14/20
🏦 Financial Health 14/20 12/20
💵 Valuation 15/20 12/20
⚠️ Risk (lower is better) 5/10 7/10
Overall Score 60/100 53/100

Side-by-Side Summaries

AEP Analysis AIG Analysis

📈 Growth & Financial Trajectory

Across the 8 quarters, Revenues rose from about $4.70B (2024 Q3) to $5.45B (2026 Q2), a ~16% gain, but with volatility (peak around $6.01B in 2025 Q3 and dips in several quarters). Net income ranged from about $0.92B (2024 Q3) to a high of about $1.29B (2025 Q2), ending near $0.75B in 2026 Q2. The trajectory shows modest top-line growth with mixed earnings momentum; the end result is below the initial earnings level despite higher revenue.

💰 Margins & Cash Flow

Operating margins have generally trended in the mid-20s percent across several quarters (roughly mid-20s in 2024 Q4 and 2025 Q3; about 23% in 2026 Q2). Cash flow from operations remained positive in most periods (roughly $1.2B–$1.9B), while investing activities were sizable and often negative, pressuring overall free cash flow. Net cash flow patterns reflect ongoing capital spending typical of a regulated utility.

🛡️ Balance Sheet & Liquidity

Total assets run around $110B–$122B with equity in the $27B–$33B range and long-term debt near $42B–$50B. Liabilities exceed current assets in several quarters, yielding weaker near-term liquidity (current ratio often below 1). Still, a large asset base and regulated cash flows provide resilience, with debt levels offset by steady rate recovery.

⚠️ Key Drivers & Risks

  • Drivers: Regulated utility demand and rate recovery leverage, ongoing energy transition investments.
  • Risks: Interest-rate/regulatory sensitivity and capital-intensity; earnings can remain volatile around quarterly shifts in demand and tax items.

📈 Growth & Financial Trajectory

Across eight quarters from 2024Q4 to 2026Q2, Revenues rose from about $6.75B to $7.09B (~5% growth). Net income started strong at ~$1.334B in 2024Q4 but declined to ~$0.948B in 2026Q2, signaling earnings volatility. The trend features modest top-line expansion with a mix of quarterly profit swings; operating income in 2026Q2 was ~$1.264B on revenue of about $7.085B, implying positive leverage. Peak earnings occurred in late 2024 with a dip mid-2025, followed by partial recovery in 2026.

💰 Margins & Cash Flow

Operating margin has hovered in the low-to-mid teens, with 2026Q2 delivering roughly an 18% margin. Net cash flow from operating activities was positive in most quarters, notably continuing cash flow of about $1.716B in 2026Q2, underscoring cash generation. Investing cash flow remained negative as the firm deployed assets, and financing cash flow was cash-using, tempering total free cash flow despite solid operating cash flow.

🛡️ Balance Sheet & Liquidity

Assets run around $161–$165B; Liabilities around $122–$125B and Equity near $41B. The rough current ratio sits around 1.3–1.4, indicating liquidity cushion but sizable near-term obligations. Some quarters show atypical balance-sheet numbers (e.g., concentrated current liabilities), yet the overall base remains substantial for resilience.

⚠️ Key Drivers & Risks

  • Drivers: Insurance premiums and investment income; rising interest-rate environment.
  • Risks: Earnings volatility and sensitivity to reserve and regulatory changes; near-term liquidity and leverage considerations.