CluenexAmerican International Group AIG
American International Group scores weak on business quality (2.5 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What American International Group does
AIG underwrites property, casualty, and general insurance products globally, collecting premiums from corporate and individual clients to protect against large-scale risks.
- What it does best
AIG maintains a massive global broker network for complex commercial lines. Its operating margin sits at 15.5%, but peers like ALL run at 23.8%, showing its underwriting spread faces heavier cost drag.
- The main risk
Property and casualty loss exposure threatens underwriting income. With ROE stuck at 7.3%, unexpected catastrophe claims could compress net margins further.
Quality, check by check
Scored against its own industry, from company filings.
Operating margin rests at 15.5% with a net margin of 11.1%. Profitability remains pressured, failing to scale effectively against peers.
Brand recognition across institutional clients forms its primary moat, yet its revenue growth ranks in just the 13th percentile of its sector.
Revenue growth crawls at 0.4%, down significantly from historical periods, showing clear stagnation across core insurance lines.
Net debt stands at $7.9B with an interest coverage ratio of 10.2x, meaning debt service is manageable, but capital structure is softening.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
No open market buys or unplanned sales by executives or directors.
Our sealed record on AIG
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
American International Group scores weak on the Cluenex quality check (2.5 of 10), measured against its own industry. Profitability is weak, moat weak, growth slow and financial health fair.
In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.
Nov 3, 2026, after the close.
See AIG today
- Today's verdict on AIG, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “American International Group (AIG)”, https://cluenex.com/stocks/aig/, data as of Oct 10, 2026.