AMERICAN INTERNATIONAL GROUP (AINN.DE) Stock Fundamental Analysis
FRA:AINN - Deutsche Boerse Ag - US0268747849 - Common Stock - Currency: EUR
Overall AINN gets a fundamental rating of 3 out of 10. We evaluated AINN against 35 industry peers in the Insurance industry. AINN has a medium profitability rating, but doesn't score so well on its financial health evaluation. AINN has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
AINN had positive earnings in the past year.
In the past year AINN had a positive cash flow from operations.
In multiple years AINN reported negative net income over the last 5 years.
Each year in the past 5 years AINN had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of -1.19%, AINN is not doing good in the industry: 91.67% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -4.64%, AINN is doing worse than 91.67% of the companies in the same industry.
With a decent Return On Invested Capital value of 1.57%, AINN is doing good in the industry, outperforming 66.67% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AINN is in line with the industry average of 2.19%.
The 3 year average ROIC (1.43%) for AINN is below the current ROIC(1.57%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.19% | ||
| ROE | -4.64% | ||
| ROIC | 1.57% |
ROA(3y)0.58%
ROA(5y)0.49%
ROE(3y)9.84%
ROE(5y)7.24%
ROIC(3y)1.43%
ROIC(5y)1.21%
1.3 Margins
The Operating Margin of AINN (13.22%) is better than 72.22% of its industry peers.
In the last couple of years the Operating Margin of AINN has remained more or less at the same level.
The Profit Margin and Gross Margin are not available for AINN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.22% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y-15.59%
OM growth 5Y-0.01%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AINN is destroying value.
AINN has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, AINN has less shares outstanding
The debt/assets ratio for AINN is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of AINN is 3.24, which is a good value as it means it would take AINN, 3.24 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.24, AINN is in line with its industry, outperforming 50.00% of the companies in the same industry.
A Debt/Equity ratio of 0.21 indicates that AINN is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.21, AINN belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 3.24 | ||
| Altman-Z | N/A |
ROIC/WACC0.2
WACC7.74%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for AINN have decreased strongly by -29.77% in the last year.
The Earnings Per Share has been growing slightly by 3.49% on average over the past years.
AINN shows a decrease in Revenue. In the last year, the revenue decreased by -2.58%.
AINN shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -11.79% yearly.
EPS 1Y (TTM)-29.77%
EPS 3Y2.17%
EPS 5Y3.49%
EPS Q2Q%-33.9%
Revenue 1Y (TTM)-2.58%
Revenue growth 3Y-20.13%
Revenue growth 5Y-11.79%
Sales Q2Q%-46.92%
3.2 Future
AINN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.00% yearly.
The Revenue is expected to grow by 4.77% on average over the next years.
EPS Next Y14.9%
EPS Next 2Y20.15%
EPS Next 3Y17.98%
EPS Next 5Y11%
Revenue Next Year5.08%
Revenue Next 2Y4.27%
Revenue Next 3Y5.18%
Revenue Next 5Y4.77%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 16.94, which indicates a correct valuation of AINN.
AINN's Price/Earnings ratio is a bit more expensive when compared to the industry. AINN is more expensive than 63.89% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.21, AINN is valued a bit cheaper.
AINN is valuated reasonably with a Price/Forward Earnings ratio of 10.45.
63.89% of the companies in the same industry are more expensive than AINN, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of AINN to the average of the S&P500 Index (20.44), we can say AINN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.94 | ||
| Fwd PE | 10.45 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AINN is valued cheaper than 83.33% of the companies in the same industry.
AINN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AINN is more expensive than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.82 | ||
| EV/EBITDA | 7.75 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
AINN's earnings are expected to grow with 17.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.14
PEG (5Y)4.86
EPS Next 2Y20.15%
EPS Next 3Y17.98%
5. Dividend
5.1 Amount
AINN has a Yearly Dividend Yield of 2.20%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.20, AINN pays less dividend than the industry average, which is at 4.53. 83.33% of the companies listed in the same industry pay a better dividend than AINN!
AINN's Dividend Yield is comparable with the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
5.2 History
The dividend of AINN has a limited annual growth rate of 3.87%.
Dividend Growth(5Y)3.87%
Div Incr Years2
Div Non Decr Years6
5.3 Sustainability
AINN has negative earnings and hence a negative payout ratio. The dividend may be in danger.
AINN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-51.66%
EPS Next 2Y20.15%
EPS Next 3Y17.98%
FRA:AINN (5/8/2025, 7:00:00 PM)
73.19
+0.23 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.43%
Inst Owner ChangeN/A
Ins Owners0.21%
Ins Owner ChangeN/A
Market Cap42.73B
Analysts74.78
Price Target80.53 (10.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
Yearly Dividend1.41
Dividend Growth(5Y)3.87%
DP-51.66%
Div Incr Years2
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.71%
Min EPS beat(2)4.69%
Max EPS beat(2)14.73%
EPS beat(4)3
Avg EPS beat(4)4.59%
Min EPS beat(4)-11.57%
Max EPS beat(4)14.73%
EPS beat(8)7
Avg EPS beat(8)6.06%
EPS beat(12)11
Avg EPS beat(12)8.06%
EPS beat(16)15
Avg EPS beat(16)10.7%
Revenue beat(2)2
Avg Revenue beat(2)3.98%
Min Revenue beat(2)0.33%
Max Revenue beat(2)7.63%
Revenue beat(4)3
Avg Revenue beat(4)2.43%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)7.63%
Revenue beat(8)6
Avg Revenue beat(8)1.05%
Revenue beat(12)8
Avg Revenue beat(12)-14.73%
Revenue beat(16)11
Avg Revenue beat(16)-7.82%
PT rev (1m)4.64%
PT rev (3m)-0.09%
EPS NQ rev (1m)-0.31%
EPS NQ rev (3m)0.81%
EPS NY rev (1m)0.33%
EPS NY rev (3m)-6.33%
Revenue NQ rev (1m)1.1%
Revenue NQ rev (3m)-0.93%
Revenue NY rev (1m)5.44%
Revenue NY rev (3m)2.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.94 | ||
| Fwd PE | 10.45 | ||
| P/S | 1.76 | ||
| P/FCF | 17.82 | ||
| P/OCF | 17.82 | ||
| P/B | 1.16 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | 7.75 |
EPS(TTM)4.32
EY5.9%
EPS(NY)7
Fwd EY9.57%
FCF(TTM)4.11
FCFY5.61%
OCF(TTM)4.11
OCFY5.61%
SpS41.52
BVpS63.07
TBVpS57.9
PEG (NY)1.14
PEG (5Y)4.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.19% | ||
| ROE | -4.64% | ||
| ROCE | 2.25% | ||
| ROIC | 1.57% | ||
| ROICexc | 1.59% | ||
| ROICexgc | 2.32% | ||
| OM | 13.22% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 9.89% |
ROA(3y)0.58%
ROA(5y)0.49%
ROE(3y)9.84%
ROE(5y)7.24%
ROIC(3y)1.43%
ROIC(5y)1.21%
ROICexc(3y)1.44%
ROICexc(5y)1.22%
ROICexgc(3y)2.11%
ROICexgc(5y)1.79%
ROCE(3y)2.06%
ROCE(5y)1.74%
ROICexcg growth 3Y3.35%
ROICexcg growth 5Y12.63%
ROICexc growth 3Y4.86%
ROICexc growth 5Y12.01%
OM growth 3Y-15.59%
OM growth 5Y-0.01%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.17
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 3.24 | ||
| Debt/EBITDA | 1.2 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.81 | ||
| Cash Conversion | 37.71% | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.74%
ROIC/WACC0.2
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-29.77%
EPS 3Y2.17%
EPS 5Y3.49%
EPS Q2Q%-33.9%
EPS Next Y14.9%
EPS Next 2Y20.15%
EPS Next 3Y17.98%
EPS Next 5Y11%
Revenue 1Y (TTM)-2.58%
Revenue growth 3Y-20.13%
Revenue growth 5Y-11.79%
Sales Q2Q%-46.92%
Revenue Next Year5.08%
Revenue Next 2Y4.27%
Revenue Next 3Y5.18%
Revenue Next 5Y4.77%
EBIT growth 1Y-10.46%
EBIT growth 3Y-32.58%
EBIT growth 5Y-11.79%
EBIT Next Year134.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-41.25%
FCF growth 3Y-19.28%
FCF growth 5YN/A
OCF growth 1Y-41.25%
OCF growth 3Y-19.28%
OCF growth 5YN/A