AIG vs AJG Stock Comparison

Scores Breakdown

Metric	AIG	AJG
📈 Growth	12/30	22/30
💰 Profitability	14/20	19/20
🏦 Financial Health	12/20	15/20
💵 Valuation	12/20	12/20
⚠️ Risk (lower is better)	7/10	4/10
Overall Score	53/100	74/100

Metric

AIG

AJG

📈 Growth

12/30

22/30

💰 Profitability

14/20

19/20

🏦 Financial Health

12/20

15/20

💵 Valuation

12/20

⚠️ Risk (lower is better)

7/10

4/10

Overall Score

53/100

74/100

Side-by-Side Summaries

AIG Analysis	AJG 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 From Q3 2024 to Q2 2026 AJG grew revenue from $2.8068B to $4.003B (+~42%), while net income to parent rose from $314.1M to $324.0M (+~3%). The trend shows a strong top‑line expansion with earnings generally steady in later quarters. 💰 Margins & Cash Flow Operating margins remained high, averaging about 82%, with a dip in Q1 2025; margins remain robust. Cash flow was positive from operating activities in most quarters (e.g., $10M in Q2 2026) with investing outflows offset by financing activity, supporting solid cash generation. 🛡️ Balance Sheet & Liquidity Total assets near $81.8B and liabilities around $58.1B in Q2 2026, with equity ~$23.7B. Current ratio near 1.05x, noncurrent liabilities around $14.9B. Leverage is moderate and liquidity resilient. ⚠️ Key Drivers & Risks Drivers: Stable insurance brokerage demand and diversified client base; potential uplift from operational leverage. Risks: Earnings volatility across quarters; sensitivity to macro/regulatory cycles and valuation sensitivity due to leverage.

AIG Analysis

AJG 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

From Q3 2024 to Q2 2026 AJG grew revenue from $2.8068B to $4.003B (+~42%), while net income to parent rose from $314.1M to $324.0M (+~3%). The trend shows a strong top‑line expansion with earnings generally steady in later quarters.

💰 Margins & Cash Flow

Operating margins remained high, averaging about 82%, with a dip in Q1 2025; margins remain robust. Cash flow was positive from operating activities in most quarters (e.g., $10M in Q2 2026) with investing outflows offset by financing activity, supporting solid cash generation.

🛡️ Balance Sheet & Liquidity

Total assets near $81.8B and liabilities around $58.1B in Q2 2026, with equity ~$23.7B. Current ratio near 1.05x, noncurrent liabilities around $14.9B. Leverage is moderate and liquidity resilient.

⚠️ Key Drivers & Risks

Drivers: Stable insurance brokerage demand and diversified client base; potential uplift from operational leverage.
Risks: Earnings volatility across quarters; sensitivity to macro/regulatory cycles and valuation sensitivity due to leverage.

AIG vs AJG Stock Comparison

Scores Breakdown

Side-by-Side Summaries

📈 Growth & Financial Trajectory

💰 Margins & Cash Flow

🛡️ Balance Sheet & Liquidity

⚠️ Key Drivers & Risks

📈 Growth & Financial Trajectory

💰 Margins & Cash Flow

🛡️ Balance Sheet & Liquidity

⚠️ Key Drivers & Risks

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