AMERICAN INTERNATIONAL GROUP (AINN.DE) Stock Fundamental Analysis
FRA:AINN - US0268747849 - Common Stock
69.26 EUR
+0.18 (+0.26%)
Taking everything into account, AINN scores 4 out of 10 in our fundamental rating. AINN was compared to 38 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
AINN had positive earnings in the past year.
AINN had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: AINN reported negative net income in multiple years.
Each year in the past 5 years AINN had a positive operating cash flow.
1.2 Ratios
AINN has a better Return On Assets (1.93%) than 75.00% of its industry peers.
The Return On Equity of AINN (7.71%) is worse than 77.78% of its industry peers.
AINN's Return On Invested Capital of 1.94% is fine compared to the rest of the industry. AINN outperforms 63.89% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AINN is in line with the industry average of 2.28%.
The 3 year average ROIC (1.44%) for AINN is below the current ROIC(1.94%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.93% | ||
| ROE | 7.71% | ||
| ROIC | 1.94% |
ROA(3y)0.58%
ROA(5y)0.49%
ROE(3y)9.84%
ROE(5y)7.24%
ROIC(3y)1.44%
ROIC(5y)1.21%
1.3 Margins
AINN has a better Profit Margin (11.51%) than 75.00% of its industry peers.
AINN has a Operating Margin of 16.38%. This is in the better half of the industry: AINN outperforms 77.78% of its industry peers.
In the last couple of years the Operating Margin of AINN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.38% | ||
| PM (TTM) | 11.51% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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
AINN has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of AINN is 2.83, which is a good value as it means it would take AINN, 2.83 years of fcf income to pay off all of its debts.
AINN has a Debt to FCF ratio (2.83) which is in line with its industry peers.
AINN has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
AINN has a better Debt to Equity ratio (0.22) than 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.83 | ||
| Altman-Z | N/A |
ROIC/WACC0.26
WACC7.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AINN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.95%.
Measured over the past 5 years, AINN shows a small growth in Earnings Per Share. The EPS has been growing by 3.49% on average per year.
AINN shows a small growth in Revenue. In the last year, the Revenue has grown by 2.53%.
The Revenue for AINN have been decreasing by -11.79% on average. This is quite bad
EPS 1Y (TTM)-12.95%
EPS 3Y2.17%
EPS 5Y3.49%
EPS Q2Q%56.03%
Revenue 1Y (TTM)2.53%
Revenue growth 3Y-20.13%
Revenue growth 5Y-11.79%
Sales Q2Q%8.09%
3.2 Future
Based on estimates for the next years, AINN will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.98% on average per year.
The Revenue is expected to grow by 4.77% on average over the next years.
EPS Next Y17.97%
EPS Next 2Y19.8%
EPS Next 3Y17.55%
EPS Next 5Y10.98%
Revenue Next Year4.51%
Revenue Next 2Y3.65%
Revenue Next 3Y3.9%
Revenue Next 5Y4.77%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.70 indicates a correct valuation of AINN.
Based on the Price/Earnings ratio, AINN is valued a bit more expensive than the industry average as 69.44% of the companies are valued more cheaply.
AINN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.06.
With a Price/Forward Earnings ratio of 10.34, the valuation of AINN can be described as very reasonable.
AINN's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.69. AINN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.7 | ||
| Fwd PE | 10.34 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AINN indicates a rather cheap valuation: AINN is cheaper than 83.33% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AINN is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.73 | ||
| EV/EBITDA | 6.42 |
4.3 Compensation for Growth
AINN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as AINN's earnings are expected to grow with 17.55% in the coming years.
PEG (NY)0.82
PEG (5Y)4.22
EPS Next 2Y19.8%
EPS Next 3Y17.55%
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 4.48. 83.33% of the companies listed in the same industry pay a better dividend than AINN!
Compared to an average S&P500 Dividend Yield of 2.45, AINN has a dividend comparable with the average S&P500 company.
| 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
30.82% of the earnings are spent on dividend by AINN. This is a low number and sustainable payout ratio.
The dividend of AINN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP30.82%
EPS Next 2Y19.8%
EPS Next 3Y17.55%
FRA:AINN (9/3/2025, 7:00:00 PM)
69.26
+0.18 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.56%
Inst Owner ChangeN/A
Ins Owners0.25%
Ins Owner ChangeN/A
Market Cap38.37B
Analysts74.17
Price Target75.04 (8.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
Yearly Dividend1.35
Dividend Growth(5Y)3.87%
DP30.82%
Div Incr Years2
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.43%
Min EPS beat(2)12.13%
Max EPS beat(2)14.73%
EPS beat(4)4
Avg EPS beat(4)10.51%
Min EPS beat(4)4.69%
Max EPS beat(4)14.73%
EPS beat(8)7
Avg EPS beat(8)6.42%
EPS beat(12)11
Avg EPS beat(12)8.45%
EPS beat(16)15
Avg EPS beat(16)9.89%
Revenue beat(2)2
Avg Revenue beat(2)3.21%
Min Revenue beat(2)2.88%
Max Revenue beat(2)3.53%
Revenue beat(4)3
Avg Revenue beat(4)3.5%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)7.63%
Revenue beat(8)6
Avg Revenue beat(8)0.1%
Revenue beat(12)8
Avg Revenue beat(12)-15.91%
Revenue beat(16)12
Avg Revenue beat(16)-7.05%
PT rev (1m)-5.07%
PT rev (3m)-6.82%
EPS NQ rev (1m)0.84%
EPS NQ rev (3m)-0.34%
EPS NY rev (1m)1.28%
EPS NY rev (3m)0.84%
Revenue NQ rev (1m)-1.26%
Revenue NQ rev (3m)0.48%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-0.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.7 | ||
| Fwd PE | 10.34 | ||
| P/S | 1.61 | ||
| P/FCF | 13.73 | ||
| P/OCF | 13.73 | ||
| P/B | 1.08 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | 6.42 |
EPS(TTM)4.71
EY6.8%
EPS(NY)6.7
Fwd EY9.67%
FCF(TTM)5.04
FCFY7.28%
OCF(TTM)5.04
OCFY7.28%
SpS42.9
BVpS64.04
TBVpS58.71
PEG (NY)0.82
PEG (5Y)4.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.93% | ||
| ROE | 7.71% | ||
| ROCE | 2.77% | ||
| ROIC | 1.94% | ||
| ROICexc | 1.96% | ||
| ROICexgc | 2.84% | ||
| OM | 16.38% | ||
| PM (TTM) | 11.51% | ||
| GM | N/A | ||
| FCFM | 11.76% |
ROA(3y)0.58%
ROA(5y)0.49%
ROE(3y)9.84%
ROE(5y)7.24%
ROIC(3y)1.44%
ROIC(5y)1.21%
ROICexc(3y)1.45%
ROICexc(5y)1.22%
ROICexgc(3y)2.12%
ROICexgc(5y)1.8%
ROCE(3y)2.06%
ROCE(5y)1.74%
ROICexcg growth 3Y3.84%
ROICexcg growth 5Y12.95%
ROICexc growth 3Y5.2%
ROICexc growth 5Y12.23%
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-Score8
Asset Turnover0.17
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.83 | ||
| Debt/EBITDA | 1.13 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 7.74 | ||
| Cash Conversion | 40.12% | ||
| Profit Quality | 102.19% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.32%
ROIC/WACC0.26
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)-12.95%
EPS 3Y2.17%
EPS 5Y3.49%
EPS Q2Q%56.03%
EPS Next Y17.97%
EPS Next 2Y19.8%
EPS Next 3Y17.55%
EPS Next 5Y10.98%
Revenue 1Y (TTM)2.53%
Revenue growth 3Y-20.13%
Revenue growth 5Y-11.79%
Sales Q2Q%8.09%
Revenue Next Year4.51%
Revenue Next 2Y3.65%
Revenue Next 3Y3.9%
Revenue Next 5Y4.77%
EBIT growth 1Y25.19%
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-25.87%
FCF growth 3Y-19.28%
FCF growth 5YN/A
OCF growth 1Y-25.87%
OCF growth 3Y-19.28%
OCF growth 5YN/A