American International Group, Inc. (AIG) Stock Analysis
Latest ClaritX AI analysis ·
American International Group, Inc. (AIG) is a global insurance provider, delivering a broad spectrum of insurance solutions to commercial, institutional, and individual clients across North America and worldwide. Its General Insurance division encompasses a wide range of coverages, including general liability, environmental protection, commercial auto liability, workers' compensation, casualty, and crisis management. This segment also covers property risks for commercial, industrial, and energy sectors, with further specialized offerings such as aerospace, political risk, trade credit, portfolio solutions, crop, and marine insurance policies. Additionally, AIG supplies professional liability
| Metric | Value |
|---|---|
| Price | $74.93 |
| Market cap | $39.7B |
| Sector | Financial Services |
| Industry | Insurance - Diversified |
| ClaritX AI score | 82/100 |
| Price/Book | 0.99 |
| Dividend yield | 2.54% |
| Beta | 0.51 |
AI verdict
American International Group, Inc. (AIG) represents a heavily fortified, deeply discounted value play entirely insulated from broader market euphoria, anchored by pristine fundamental cash flows and a robust balance sheet. Trading at $74.93, AIG is precisely 14.16% below its firmly established 52-week high of $87.29. This critical momentum awareness dictates that the equity remains completely devoid of late-stage euphoric risk; a stock trading at this significant structural discount inherently mitigates the severe downside vulnerability associated with overextended momentum traps. This built-in downside protection is profoundly amplified by an ultra-low beta coefficient of 0.511, ensuring AIG naturally absorbs only 51.1% of the systemic volatility of the S&P 500 index. With a remarkably compressed Price-to-Book ratio of 0.985, investors are actively acquiring top-tier financial assets strictly below their tangible accounting value. The 2.53% dividend yield is brilliantly secured by a highly conservative 33.46% payout ratio and a massive $7.21 in free cash flow per share. Bolstered by perfect 5/5 institutional DCF scores, strategic AI integrations optimizing underwriting efficiencies, and an explicit pivot away from high-risk property lines, AIG offers an exceptionally asymmetrical, de-risked profile for portfolios demanding reliable yield and definitive macro-defensive properties. Rating 82/100
What this score has been worth
ClaritX scores AIG 82 out of 100 (snapshot 2026-10-05).
Every ClaritX analysis is scored first and judged only on what the stock did afterwards. Across the 189 analyses that scored in the 80-84 band, the average forward return was -1.2% with a 41% win rate, -6.3pp against the S&P 500. That is a measured tendency across many names, not a forecast for AIG — roughly 59% of stocks in this band still lost money.
The full band-by-band table, including the bands that lost, is on the AI Rank Report; the live strategy arms behind it are on the AI Track Record, losses published.