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AMERICAN INTERNATIONAL GROUP (AINN.DE) Stock Fundamental Analysis

FRA:AINN - Deutsche Boerse Ag - US0268747849 - Common Stock - Currency: EUR

68.83  -0.51 (-0.74%)

Fundamental Rating

4

Overall AINN gets a fundamental rating of 4 out of 10. We evaluated AINN against 37 industry peers in the Insurance industry. There are concerns on the financial health of AINN while its profitability can be described as average. AINN has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

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.
The reported net income has been mixed in the past 5 years: AINN reported negative net income in multiple years.
In the past 5 years AINN always reported a positive cash flow from operatings.
AINN.DE Yearly Net Income VS EBIT VS OCF VS FCFAINN.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B 15B

1.2 Ratios

AINN has a Return On Assets of -1.19%. This is amonst the worse of the industry: AINN underperforms 91.89% of its industry peers.
AINN has a worse Return On Equity (-4.64%) than 91.89% of its industry peers.
AINN has a Return On Invested Capital of 1.57%. This is in the better half of the industry: AINN outperforms 70.27% 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 2.18%.
The 3 year average ROIC (1.43%) for AINN is below the current ROIC(1.57%), indicating increased profibility in the last year.
Industry RankSector 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%
AINN.DE Yearly ROA, ROE, ROICAINN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

1.3 Margins

AINN has a Operating Margin of 13.22%. This is in the better half of the industry: AINN outperforms 64.86% of its industry peers.
AINN's Operating Margin has been stable in the last couple of years.
AINN does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
AINN.DE Yearly Profit, Operating, Gross MarginsAINN.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AINN is destroying value.
The number of shares outstanding for AINN has been reduced compared to 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.
AINN.DE Yearly Shares OutstandingAINN.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
AINN.DE Yearly Total Debt VS Total AssetsAINN.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

2.2 Solvency

AINN has a debt to FCF ratio of 3.24. This is a good value and a sign of high solvency as AINN would need 3.24 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.24, AINN perfoms like the industry average, outperforming 54.05% of the companies in the same industry.
AINN has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.21, AINN belongs to the top of the industry, outperforming 91.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 3.24
Altman-Z N/A
ROIC/WACC0.21
WACC7.58%
AINN.DE Yearly LT Debt VS Equity VS FCFAINN.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B 80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AINN.DE Yearly Current Assets VS Current LiabilitesAINN.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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3

3. Growth

3.1 Past

The earnings per share for AINN have decreased strongly by -29.77% in the last year.
AINN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.49% yearly.
AINN shows a decrease in Revenue. In the last year, the revenue decreased by -2.58%.
The Revenue for AINN have been decreasing by -11.79% on average. This is quite bad
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%-45.57%

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 11.00% on average per year.
AINN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.77% yearly.
EPS Next Y16.47%
EPS Next 2Y20.18%
EPS Next 3Y18.03%
EPS Next 5Y11%
Revenue Next Year4.73%
Revenue Next 2Y4.08%
Revenue Next 3Y5.25%
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.
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.
AINN.DE Yearly Revenue VS EstimatesAINN.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
AINN.DE Yearly EPS VS EstimatesAINN.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6 8

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5

4. Valuation

4.1 Price/Earnings Ratio

AINN is valuated correctly with a Price/Earnings ratio of 16.51.
AINN's Price/Earnings is on the same level as the industry average.
AINN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.91.
With a Price/Forward Earnings ratio of 10.17, the valuation of AINN can be described as very reasonable.
AINN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AINN is cheaper than 75.68% of the companies in the same industry.
AINN is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.11, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.51
Fwd PE 10.17
AINN.DE Price Earnings VS Forward Price EarningsAINN.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, AINN is valued cheaply inside the industry as 89.19% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as AINN.
Industry RankSector Rank
P/FCF 17.13
EV/EBITDA 7.49
AINN.DE Per share dataAINN.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

AINN's 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 18.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)1
PEG (5Y)4.73
EPS Next 2Y20.18%
EPS Next 3Y18.03%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.26%, AINN has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.26, AINN pays less dividend than the industry average, which is at 4.44. 86.49% of the companies listed in the same industry pay a better dividend than AINN!
Compared to an average S&P500 Dividend Yield of 2.32, AINN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.26%

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
AINN.DE Yearly Dividends per shareAINN.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

The earnings of AINN are negative and hence is the payout ratio. AINN will probably not be able to sustain this dividend level.
The dividend of AINN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-51.66%
EPS Next 2Y20.18%
EPS Next 3Y18.03%
AINN.DE Yearly Income VS Free CF VS DividendAINN.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B

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AMERICAN INTERNATIONAL GROUP

FRA:AINN (7/23/2025, 7:00:00 PM)

68.83

-0.51 (-0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)08-06 2025-08-06/amc
Inst Owners95.85%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap39.67B
Analysts74.78
Price Target79.05 (14.85%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.26%
Yearly Dividend1.35
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)5.26%
Min Revenue beat(2)2.88%
Max Revenue beat(2)7.63%
Revenue beat(4)3
Avg Revenue beat(4)3.07%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)7.63%
Revenue beat(8)6
Avg Revenue beat(8)1.37%
Revenue beat(12)8
Avg Revenue beat(12)-14.51%
Revenue beat(16)11
Avg Revenue beat(16)-7.66%
PT rev (1m)-1.04%
PT rev (3m)1.98%
EPS NQ rev (1m)-2.84%
EPS NQ rev (3m)-4.35%
EPS NY rev (1m)-0.52%
EPS NY rev (3m)1.37%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)5.42%
Valuation
Industry RankSector Rank
PE 16.51
Fwd PE 10.17
P/S 1.7
P/FCF 17.13
P/OCF 17.13
P/B 1.12
P/tB 1.22
EV/EBITDA 7.49
EPS(TTM)4.17
EY6.06%
EPS(NY)6.77
Fwd EY9.83%
FCF(TTM)4.02
FCFY5.84%
OCF(TTM)4.02
OCFY5.84%
SpS40.6
BVpS61.68
TBVpS56.63
PEG (NY)1
PEG (5Y)4.73
Profitability
Industry RankSector 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 RankSector 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
WACC7.58%
ROIC/WACC0.21
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 Y16.47%
EPS Next 2Y20.18%
EPS Next 3Y18.03%
EPS Next 5Y11%
Revenue 1Y (TTM)-2.58%
Revenue growth 3Y-20.13%
Revenue growth 5Y-11.79%
Sales Q2Q%-45.57%
Revenue Next Year4.73%
Revenue Next 2Y4.08%
Revenue Next 3Y5.25%
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