AIG vs AIZ Stock Comparison

Scores Breakdown

Metric	AIG	AIZ
📈 Growth	12/30	26/30
💰 Profitability	14/20	14/20
🏦 Financial Health	12/20	15/20
💵 Valuation	12/20	12/20
⚠️ Risk (lower is better)	7/10	3/10
Overall Score	53/100	74/100

Side-by-Side Summaries

AIG Analysis	AIZ Analysis
📈 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.	📈 Growth & Financial Trajectory Over the 8 quarters, Revenues rose from about $2.967B in 2024 Q3 to $3.454B in 2026 Q2, roughly a 16% gain. Net Income advanced from about $133.8M to $298.6M, more than doubling, signaling improving operating leverage though occasional quarterly pauses (notably late 2025). The trend is broadly upward, supported by positive cash flow and expanding profits. 💰 Margins & Cash Flow Gross margin has hovered in the mid-to-high single digits to low double digits, averaging around 8–11%, with margin expansion by 2026. Operating margin followed suit, with 2026 Q2 showing about 11% OPM on revenue of $3.45B. Cash flow remains robust: Net cash from operating activities was strong in multiple quarters (e.g., 2026 Q2 ≈ $454.4M; 2026 Q1 ≈ $240.3M), while investing cash flow was negative as growth initiatives continued. Net cash flow overall was positive in several quarters. 🛡️ Balance Sheet & Liquidity Total assets (~~$36B) exceed liabilities (~~$30B), and equity sits around $6B, yielding a comfortable balance sheet. Current assets cover current liabilities, and there is minimal noncurrent debt, with steady operating cash flow underpinning liquidity. ⚠️ Key Drivers & Risks Drivers: Steady premium revenue growth; improving operating leverage. Risks: Catastrophe/claims volatility and regulatory/interest-rate sensitivity; competitive pricing pressure.

AIG Analysis

AIZ Analysis

📈 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.

📈 Growth & Financial Trajectory

Over the 8 quarters, Revenues rose from about $2.967B in 2024 Q3 to $3.454B in 2026 Q2, roughly a 16% gain. Net Income advanced from about $133.8M to $298.6M, more than doubling, signaling improving operating leverage though occasional quarterly pauses (notably late 2025). The trend is broadly upward, supported by positive cash flow and expanding profits.

💰 Margins & Cash Flow

Gross margin has hovered in the mid-to-high single digits to low double digits, averaging around 8–11%, with margin expansion by 2026. Operating margin followed suit, with 2026 Q2 showing about 11% OPM on revenue of $3.45B. Cash flow remains robust: Net cash from operating activities was strong in multiple quarters (e.g., 2026 Q2 ≈ $454.4M; 2026 Q1 ≈ $240.3M), while investing cash flow was negative as growth initiatives continued. Net cash flow overall was positive in several quarters.

🛡️ Balance Sheet & Liquidity

Total assets (~~$36B) exceed liabilities (~~$30B), and equity sits around $6B, yielding a comfortable balance sheet. Current assets cover current liabilities, and there is minimal noncurrent debt, with steady operating cash flow underpinning liquidity.

⚠️ Key Drivers & Risks

Drivers: Steady premium revenue growth; improving operating leverage.
Risks: Catastrophe/claims volatility and regulatory/interest-rate sensitivity; competitive pricing pressure.

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ACGL Score: 71 AIZ Score: 74 CB Score: 79 HIG Score: 81 MET Score: 61 PRU Score: 61

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