American International Group, Inc. offers insurance products for commercial, institutional, and individual customers in North America and internationally. It operates through three segments: General Insurance, Life and Retirement, and Other Operations. The General Insurance segment provides commercial and industrial property insurance, including business interruption and package insurance that cover exposure to made and natural disasters; general liability, environmental, commercial automobile liability, workers' compensation, excess casualty, and crisis management insurance products; and professional liability insurance. This segment offers marine, energy-related property insurance, aviation, political risk, trade credit, trade finance, and portfolio solutions, as well as operates reinsurance business; voluntary and sponsor-paid personal accident, and supplemental health products; and personal auto and personal property insurance. Its Life and Retirement segment offers individual retirement products, including variable, fixed index, and fixed annuities, as well as retail mutual funds; group retirement products comprising record-keeping, plan administrative and compliance services, financial planning, and advisory solutions; life insurance, including term and universal life insurance; and institutional markets products, which includes wrap products, structured settlement, pension risk transfer annuities, corporate and bank-owned life insurance, high net worth, and guaranteed investment contract products. It distributes its products through a network of brokers, agents, advisors, banks, and other distributors. The company was founded in 1919 and is headquartered in New York, New York.

Компания American International Group, Inc. демонстрирует смешанную картину в своей финансовой отчетности. С одной стороны, коэффициенты P/E находятся на уровне медианы отрасли, что указывает на адекватность оценки. Однако, коэффициенты P/S и P/B значительно ниже, что может свидетельствовать о недооцененности. Тем не менее, наблюдается тенденция к ухудшению маржи прибыли и операционной маржи, что негативно сказывается на общей оценке. Уровень долговой нагрузки также ниже медианы, что является положительным фактором, указывающим на низкие риски. Дивиденды отсутствуют, что может настораживать инвесторов, ищущих доходность. С другой стороны, компания демонстрирует впечатляющие результаты по чистой прибыли и выручке, значительно превышающим медианные значения в отрасли. Это может указывать на потенциал роста в будущем. В целом, несмотря на некоторые слабые стороны, такие как маржинальность и отсутствие дивидендов, сильные финансовые результаты и низкая долговая нагрузка создают основу для умеренной оптимистичной оценки компании.

American International Group, Inc. New

American International Group, Inc. AIG, with a market capitalization of $41.9 billion, provides property-casualty insurance, life insurance, retirement solutions, and other financial services to customers in more than 200 countries and jurisdictions. The company operates through three main segments — North America Commercial, International Commercial, and Global Personal.
In the last six month AIG’s shares have gained 1.3%, outperforming the broader industry’s 7.3% decline over the same period. Based on short-term price targets from 22 analysts, the average target price for AIG is $87.86, implying a potential upside of about 12.7% from the latest closing price of $77.97.
Image Source: Zacks Investment Research
Zacks Estimates for AIG
The Zacks Consensus Estimate for American International’s 2026 earnings is pegged at $7.80 per share, indicating a 10% year-over-year rise. In the past seven days, it has witnessed two upward estimate revisions against none in the opposite direction. The consensus mark for revenues is pegged at $28.8 billion for 2026, indicating a 5% year-over-year increase. AIG beat on earnings in each of the past four quarters, with an average surprise of 15.2%. AIG carries a Value Score of A.
American International Group, Inc. Price, Consensus and EPS Surprise
Growth Drivers
American International has been streamlining its operations by divesting non-core businesses to focus more on its General Insurance segment. This strategic shift aims to reduce portfolio volatility, enhance cash liquidity and accelerate capital deployment. As part of this initiative, the company plans to divest certain non-core legacy private assets in the near future.
AIG’s expense ratio has been improving, supported by changes in business mix, continued expense discipline and a stronger premium base. The company’s expense ratio declined to 31.1% in 2025 from 32% in 2024, representing an improvement of 90 basis points. This reduction reflects better cost efficiency and stronger expense management.
The General Insurance segment also delivered solid underwriting performance. Underwriting income reached $2.3 billion in 2025, representing a 22% increase from the prior-year level. The improvement was driven by lower catastrophe-related losses, more favorable prior-year development (PYD) and reduced acquisition expenses. The combined ratio improved 170 basis points to 90.1, indicating significantly stronger underwriting performance compared with the year-ago period.
AIG’s cash flow position is strengthening. Net cash provided by operating activities increased to approximately $3.31 billion in 2025 from $3.27 billion in 2024, reflecting improved operational performance. The company also returned $6.8 billion to shareholders in 2025 through share repurchases and dividends. AIG’s quarterly dividend recently reaching 45 cents per share, highlighting its commitment to returning value to shareholders.
Valuation of AIG
AIG currently trades at a forward 12-month P/E ratio of 9.76x, which is higher than the industry average of 8.4x. Given this premium valuation, investors may prefer to remain cautious. The stock currently holds a Zacks Rank #3 (Hold), suggesting that a wait-and-watch approach may be appropriate.
AIG: Key Risks
There are a few factors that investors should keep an eye on.
AIG stock carries a high debt burden, which can hamper its growth initiatives. It ended the fourth quarter with a cash balance of $1.3 billion and a long-term debt of $9 billion (up from $8.8 billion at the end of 2024). Its net debt-to-EBITDA ratio is 1.1%, much higher than the industry average of 0.6%, showing that the company relies heavily on debt. Its ROE of 9.8% is lower than the industry average of 15.5%. We believe that a clear and strategic plan can help support long-term growth.
Key Picks
Some better-ranked stocks in the broader finance space are The Allstate Corporation ALL, BankUnited, Inc. BKU and Cboe Global Markets, Inc. CBOE, each sporting a Zacks Rank #1 (Strong Buy) at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for Allstate’s 2026 earnings is pegged at $25.4 per share, which has witnessed seven upward revisions in the past 30 days, with no movement in the opposite direction. ALL beat earnings estimates in each of the trailing four quarters, with the average surprise being 54.3%. The consensus estimate for 2026 revenues is pinned at $72.2 billion, implying 6.4% year-over-year growth.
The Zacks Consensus Estimate for BankUnited’s 2026 earnings is pegged at $4.01 per share, which has witnessed one upward revision in the past 30 days against no movement in the opposite direction. BKU beat earnings estimates in each of the trailing four quarters, with the average surprise being 11.1%. The consensus estimate for 2026 revenues is pinned at $1.2 billion, calling for 8% year-over-year growth.
The Zacks Consensus Estimate for Cboe Global Markets’ 2026 earnings is pegged at $11.36 per share, which has witnessed five upward revisions in the past 30 days0 against no movement in the opposite direction. CBOE beat earnings estimates in each of the trailing four quarters, with the average surprise being 4.4%. The consensus estimate for 2026 revenues is pinned at $2.6 billion, calling for 5% year-over-year growth.
Zacks Names #1 Semiconductor Stock
This under-the-radar company specializes in semiconductor products that titans like NVIDIA don't build. It's uniquely positioned to take advantage of the next growth stage of this market. And it's just beginning to enter the spotlight, which is exactly where you want to be.
With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.
See This Stock Now for Free >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

American International Shows Strong Underwriting Growth: Buy or Hold?

Better pricing, climate change, which exposes insurers to catastrophe losses, and accelerated digitalization are likely to have an impact on the insurance industry. The Fed has been lowering interest rates and has hinted at the possibility of more throughout the year. Yet Berkshire Hathaway Inc. BRK.B and American International Group, Inc. AIG — two insurance behemoths — are expected to stay strong.
Pricing plays an important part in their profitability. Per the Global Insurance Market Index by Marsh, global commercial insurance rates fell 4% in the fourth quarter, the sixth straight quarter of price decline, primarily attributable to reinsurer growth and the entry of new insurers, which increased competition.
Given the increased adoption of technology, merger and acquisition (M&A) activity is projected to witness momentum in 2026, driven by a higher number of technology-driven deals, per a report by Willis Towers Watson’s Quarterly Deal Performance Monitor.
Yet, as an investment option, which stock, BRK.B or AIG, is more attractive for long-term insurance-focused investors? Let’s closely look at the fundamentals of these stocks.
Factors to Consider for BRK.B
Berkshire Hathaway is a highly diversified conglomerate with more than 90 subsidiaries, spanning industries such as insurance, utilities, railroads, manufacturing and consumer products. This wide-ranging business portfolio helps minimize concentration risk and provides resilience across economic cycles.
Insurance remains the foundation of Berkshire’s operations, accounting for roughly one-fourth of total revenues. The segment is well-positioned for sustained growth, supported by increasing demand, disciplined underwriting and favorable pricing trends. Continued expansion in insurance operations generates a growing float, which strengthens earnings, enhances return on equity and provides substantial capital for investments and acquisitions. This float-based structure has long been a defining competitive advantage for the company.
Supported by a substantial cash position, Berkshire actively pursues acquisitions of entire businesses and selectively increases stakes in companies with durable earnings, strong competitive moats and attractive returns on equity. Large-scale acquisitions open new growth opportunities, while smaller bolt-on deals reinforce and expand existing businesses.
Warren Buffett’s investment philosophy centers on identifying undervalued companies with solid long-term prospects. Recent investments in Japanese trading houses reflect this disciplined, value-oriented approach. Long-term holdings in Coca-Cola, American Express, Apple, Bank of America, Chevron and Occidental Petroleum further underscore Berkshire’s commitment to high-quality businesses.
The company’s financial position remains strong, with more than $100 billion in cash, modest leverage and an excellent credit profile. Although its return on equity of 7.3% trails the industry average of 8%, performance has improved over time. BRK.B shares have gained 1% in the past month.
Factors to Consider for AIG
American International Group, better known as AIG, is a leading global insurance organization, providing a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to customers in more than 80 countries and jurisdictions.
The company has been focusing on implementing stricter underwriting discipline, divesting non-core businesses, reducing debt, launching strategic transformation initiatives and modernizing operations and technology infrastructure, as well as investing heavily in data and digital strategies. These have led AIG to generate $2 billion annually in underwriting profit, on average, over the past three years.
AIG is also benefiting from reinvesting assets at higher yields, including increasing asset allocation to private credit at attractive spreads.
AIG stated that its deconsolidation of Corebridge accelerated its AIG Next initiative, resulting in $450 million in exit run-rate savings in 2024. Net margin became positive in the second quarter of 2025 and continued to be so in the third quarter of 2025.
A solid capital deployment strategy supports growth and helps return wealth to shareholders. Over the first nine months of 2025, it paid $734 million in dividends and repurchased shares worth $5.3 billion. Its return on equity of 9.8% lags the industry average. AIG has gained 8.5% in the past month.
Estimates for BRK.B and AIG
The Zacks Consensus Estimate for BRK.B’s 2026 revenues implies a year-over-year increase of 4.7%, while that for EPS implies a year-over-year decrease of 0.1%. EPS estimates witnessed no movement over the past 30 days.
Image Source: Zacks Investment Research
The Zacks Consensus Estimate for AIG’s 2026 revenues implies a 5.3% year-over-year increase, while that for EPS implies a year-over-year increase of 10.2%. EPS estimates have moved 3 cents south over the past 30 days.
Image Source: Zacks Investment Research
Are BRK.B and AIG Shares Expensive?
Berkshire is trading at a price-to-book multiple of 1.54, above its median of 1.44 over the last five years. AIG’s price-to-book multiple sits at 1.03, above its median of 0.98 over the last five years.
Image Source: Zacks Investment Research
Conclusion
Holding shares of Berkshire Hathaway adds dynamism to shareholders’ portfolios. It gives the feel of investing in mutual funds while rewarding investors with higher returns. However, investors are still waiting to see how the conglomerate fares under the leadership of the new CEO.
Meanwhile, strategic business de-risking, acquisitions, cost-control efforts, investment in digitalization and accelerated capital deployment drive AIG. The AIG Next initiative is designed to save costs, reflected in the net margin improvement. It has a solid capital deployment strategy that enhances shareholders' value.
On the basis of return on equity, which reflects a company’s efficiency in generating profit from shareholders' equity as well as gives a clear picture of the company's financial health, AIG scores higher than BRK.B. Price appreciation and better valuation make AIG more appealing.
Berkshire Hathaway carries a Zacks Rank #4 (Sell). AIG, with a Zacks Rank #3 (Hold), has an edge over BRK.B.
You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
5 Stocks Set to Double
Each was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They include
Stock #1: A Disruptive Force with Notable Growth and Resilience
Stock #2: Bullish Signs Signaling to Buy the Dip
Stock #3: One of the Most Compelling Investments in the Market
Stock #4: Leader In a Red-Hot Industry Poised for Growth
Stock #5: Modern Omni-Channel Platform Coiled to Spring
Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.
See Our Newest 5 Stocks Set to Double Picks >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

BRK.B or AIG: Which Insurance Stock Should Investors Bet On?

American International Group, Inc. AIG reported fourth-quarter 2025 adjusted earnings per share of $1.96, which topped the Zacks Consensus Estimate by 3.5%. The bottom line surged 51% year over year.
Adjusted operating revenues advanced 1.5% year over year to $6.9 billion. The top line missed the consensus mark by 2.2%.
The quarterly results benefited from improved underwriting results in the North America Commercial and Global Personal segments. However, the upside was partially offset by weaker premiums in the Global Personal segment and lower investment income.
American International Group, Inc. Price, Consensus and EPS Surprise
AIG’s Q4 Operational Update
Net premiums written totaled $6 billion, reflecting a 1% year-over-year decline. Growth in Global Commercial was offset by a decline in Global Personal.
Total net investment income declined 34% year over year to $872 million, missing consensus estimates by 12.9%, mainly due to lower fair value gains, reduced Corebridge share-sale gains and weaker alternative investment income, partially offset by higher fixed maturity income. AIG retains a 10.1% stake in Corebridge.
Total benefits, losses and expenses amounted to $5.9 billion, increasing 4.6% year over year, mainly due to higher general operating and other expenses, along with lower gains on divestitures.
Adjusted return on equity improved 300 basis points year over year to 10.2%, reflecting enhanced profitability and capital efficiency.
General Insurance underwriting income rose to $670 million, marking a 48% year-over-year increase and beating the Zacks Consensus Estimate by 11.1%.
The segment’s combined ratio improved by 370 basis points to 88.8, reflecting significantly stronger underwriting performance compared with the prior-year quarter.
Segmental Performances of AIG
General Insurance – North America Commercial
The segment’s net premiums written increased 3% year over year to $2.3 billion in the fourth quarter, primarily driven by growth in Programs, Western World and Excess Casualty, partly offset by a fall in Property.
Underwriting income surged to $330 million compared with $25 million in the prior-year quarter, driven mainly by lower catastrophe-related losses and favorable prior-year development, net of reinsurance. The combined ratio improved by 1,410 basis points to 84.7%, reflecting significantly stronger underwriting performance year over year.
General Insurance – International Commercial
The segment reported net premiums written of $2.2 billion, up 5% year over year on a reported basis and 4% on a comparable basis, supported by growth in Global Specialty and Casualty lines.
Underwriting income declined 29% year over year to $248 million in the quarter and missed the Zacks Consensus Estimate by 15.1%. The combined ratio deteriorated 570 basis points to 88.8%, primarily due to higher catastrophe-related losses and an elevated expense ratio.
General Insurance – Global Personal
Net premiums written totaled $1.6 billion, declining 12% on a reported basis and 6% on a comparable basis. The decrease was primarily attributable to changes in reinsurance structures within the U.S. High Net Worth business, as well as lower warranty costs.
Underwriting income rose nearly 12% year over year to $92 million. The combined ratio improved 110 basis points to 94.3%, driven by a lower accident year combined ratio and reduced catastrophe-related losses.
Other Operations
Net investment income and other declined 24% year over year to $75 million in the quarter under review, primarily due to lower dividend income received from Corebridge and decreased yields. Interest expense increased 8% year over year to $100 million, reflecting the impact of debt interest savings, partly offset by new issuance. Adjusted pre-tax loss narrowed 14% year over year to $129 million.
Financial Position of AIG (As of Dec. 31, 2025)
AIG ended the fourth quarter with a cash balance of $1.27 billion, compared with $1.30 billion at year-end 2024. Total assets stood at $161.25 billion, slightly lower than $161.32 billion at the end of 2024.
Long-term debt increased to $9 billion, up from $8.8 billion at year-end 2024. Total shareholders’ equity declined to $41.1 billion, compared with $42.5 billion at year-end 2024.
Adjusted book value per share improved to $78.02, up from $73.79 in the prior-year quarter.
AIG’s Capital Deployment Update
AIG returned capital to its shareholders through approximately $567 million in share repurchases and $242 million in dividends during the fourth quarter of 2025.
Full-Year 2025 Update
American International reported total revenues of $26.8 billion in 2025, representing a 1.8% decline from 2024. However, adjusted earnings increased 43.2% year over year to $7.09 per share, driven by higher underwriting income and stronger net investment income within the general insurance segment. Total benefits, losses and expenses declined 2.1% to $22.9 billion in 2025 compared with the 2024 year-end level.
The combined ratio improved by 170 basis points to 90.1.
American International’s Zacks Rank
AIG currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Insurers
Companies belonging to the broader Finance space, like Chubb Limited (CB, Arch Capital Group Ltd. ACGL and The Progressive Corporation PGR, have also reported results for the December quarter. Here’s how they have performed:
Chubb reported fourth-quarter 2025 core operating income of $7.52 per share, which beat the Zacks Consensus Estimate by 13.9%. The bottom line improved 24.9% year over year. CB’s operating revenues improved 7.4% year over year to $15.3 billion. The top line beat the Zacks Consensus Estimate by 1.7%. Chubb’s strong performance was driven by solid underwriting profit, robust premium growth and record investment income.
Arch Capital reported fourth-quarter 2025 operating income of $2.98 per share, which beat the Zacks Consensus Estimate by 19.7%. The bottom line increased 31.9% year over year. ACGL’s operating revenues of $4.7 billion increased 4.4% year over year, driven by higher net premiums earned and net investment income. Revenues surpassed the Zacks Consensus Estimate by 2% on higher premiums in its Insurance segment and improved net investment income. These positives were partially offset by higher taxes.
The Progressive’s fourth-quarter 2025 earnings per share of $4.67 beat the Zacks Consensus Estimate by 5.2%. The bottom line increased 14.4% year over year. PGR’s operating revenues increased 10.6% year over year to $22.49 billion and beat the consensus estimate by 2.5%. Net premiums earned grew 10% to $21 billion. The reported figure surpassed the Zacks Consensus Estimate of $20.9 billion.
Zacks' Research Chief Picks Stock Most Likely to "At Least Double"
Our experts have revealed their Top 5 recommendations with money-doubling potential – and Director of Research Sheraz Mian believes one is superior to the others. Of course, all our picks aren’t winners but this one could far surpass earlier recommendations like Hims & Hers Health, which shot up +209%.
See Our Top Stock to Double (Plus 4 Runners Up) >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

AIG Q4 Earnings Beat Estimates, Up Y/Y on Solid Underwriting

Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.
While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures a dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.
American International Group (AIG) is headquartered in New York, and is in the Finance sector. The stock has seen a price change of -12.33% since the start of the year. The insurer is currently shelling out a dividend of $0.45 per share, with a dividend yield of 2.4%. This compares to the Insurance - Multi line industry's yield of 1.52% and the S&P 500's yield of 1.36%.
Looking at dividend growth, the company's current annualized dividend of $1.80 is up 2.9% from last year. Over the last 5 years, American International Group has increased its dividend 3 times on a year-over-year basis for an average annual increase of 6.78%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. American International Group's current payout ratio is 28%, meaning it paid out 28% of its trailing 12-month EPS as dividend.
Earnings growth looks solid for AIG for this fiscal year. The Zacks Consensus Estimate for 2026 is $7.81 per share, which represents a year-over-year growth rate of 10.16%.
Investors like dividends for a variety of different reasons, from tax advantages and decreasing overall portfolio risk to considerably improving stock investing profits. It's important to keep in mind that not all companies provide a quarterly payout.
High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. Income investors have to be mindful of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. With that in mind, AIG is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of #3 (Hold).
Zacks' Research Chief Picks Stock Most Likely to "At Least Double"
Our experts have revealed their Top 5 recommendations with money-doubling potential – and Director of Research Sheraz Mian believes one is superior to the others. Of course, all our picks aren’t winners but this one could far surpass earlier recommendations like Hims & Hers Health, which shot up +209%.
See Our Top Stock to Double (Plus 4 Runners Up) >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

This is Why American International Group (AIG) is a Great Dividend Stock

Data is currently not available
Edit My Quotes
Add up to 25 symbols
To add symbols:
Type a symbol or company name. When the symbol you want to add appears, add it to My Quotes by selecting it and pressing Enter/Return.
Copy and paste multiple symbols separated by spaces.
These symbols will be available throughout the site during your session.
Save data
Data is currently not available
Edit My European Quotes
Add up to 25 instruments
To add instruments:
Type a instrument or company name. When the instrument you want to add appears, add it to My European Quotes by selecting it and pressing Enter/Return.
Copy and paste multiple instruments separated by spaces.
These instruments will be available throughout the site during your session.
Save data
Data is currently not available
Your symbols have been updated
You'll now be able to see real-time price and activity for your symbols on the My Quotes of Nasdaq.com.
Continue
Data is currently not available
Edit Watchlist
Add up to 20 symbols
To add symbols:
Type a symbol or company name. When the symbol you want to add appears, add it to Watchlist by selecting it and pressing Enter/Return.
Copy and paste multiple symbols separated by spaces.
These symbols will be available throughout the site during your session.
Save data

AIG Q4 2025 Earnings Call Transcript

American International Group Q4 25 Earnings Conference Call At 8:30 AM ET

American International Group (AIG) reported $6.95 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 1.4%. EPS of $1.96 for the same period compares to $1.30 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $7.1 billion, representing a surprise of -2.22%. The company delivered an EPS surprise of +3.54%, with the consensus EPS estimate being $1.89.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how American International Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
General Insurance - North America Commercial - Loss ratio: 59.7% versus 65.7% estimated by three analysts on average.
General Insurance - International Commercial - Combined ratio: 88.8% versus the three-analyst average estimate of 86.4%.
General Insurance - North America Commercial - Combined ratio: 84.7% versus 88.5% estimated by three analysts on average.
General Insurance - International Commercial - Expense ratio: 31.7% compared to the 30.6% average estimate based on three analysts.
General Insurance - Loss ratio: 56.7% versus the three-analyst average estimate of 58.6%.
Revenues- Total net investment income: $872 million versus $1 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -33.6% change.
General Insurance- North America Commercial- Net premiums earned: $2.17 billion versus $2.19 billion estimated by three analysts on average.
General Insurance- International Commercial- Net premiums earned: $2.22 billion versus the three-analyst average estimate of $2.15 billion.
General Insurance- Global Personal- Net premiums earned: $1.6 billion versus the three-analyst average estimate of $1.59 billion.
General Insurance- Net investment income: $881 million versus the three-analyst average estimate of $881.82 million. The reported number represents a year-over-year change of +13.1%.
Other Operations- Net investment income and other: $75 million versus the three-analyst average estimate of $72.76 million.
General Insurance- Net premiums earned: $5.99 billion compared to the $5.93 billion average estimate based on three analysts. The reported number represents a change of +0.3% year over year.
Shares of American International Group have returned +1.1% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Just Released: Zacks Top 10 Stocks for 2026
Hurry – you can still get in early on our 10 top tickers for 2026. Handpicked by Zacks Director of Research Sheraz Mian, this portfolio has been stunningly and consistently successful.
From inception in 2012 through November, 2025, the Zacks Top 10 Stocks gained +2,530.8%, more than QUADRUPLING the S&P 500’s +570.3%.
Sheraz has combed through 4,400 companies covered by the Zacks Rank and handpicked the best 10 to buy and hold in 2026. You can still be among the first to see these just-released stocks with enormous potential.
See New Top 10 Stocks >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Here's What Key Metrics Tell Us About American International Group (AIG) Q4 Earnings

American International Group (AIG) came out with quarterly earnings of $1.96 per share, beating the Zacks Consensus Estimate of $1.89 per share. This compares to earnings of $1.3 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +3.54%. A quarter ago, it was expected that this insurer would post earnings of $1.68 per share when it actually produced earnings of $2.2, delivering a surprise of +30.95%.
Over the last four quarters, the company has surpassed consensus EPS estimates four times.
American International Group, which belongs to the Zacks Insurance - Multi line industry, posted revenues of $6.95 billion for the quarter ended December 2025, missing the Zacks Consensus Estimate by 2.22%. This compares to year-ago revenues of $6.85 billion. The company has topped consensus revenue estimates two times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
American International Group shares have lost about 12.5% since the beginning of the year versus the S&P 500's gain of 1.7%.
What's Next for American International Group?
While American International Group has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for American International Group was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.94 on $6.97 billion in revenues for the coming quarter and $7.81 on $28.92 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Insurance - Multi line is currently in the bottom 31% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
One other stock from the same industry, Fidelis Insurance Holdings (FIHL), is yet to report results for the quarter ended December 2025. The results are expected to be released on February 25.
This insurance and reinsurance company is expected to post quarterly earnings of $0.96 per share in its upcoming report, which represents a year-over-year change of +191.4%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.
Fidelis Insurance Holdings' revenues are expected to be $777.21 million, up 13.3% from the year-ago quarter.
Should You Invest in American International Group, Inc. (AIG)?
Before you invest in American International Group, Inc. (AIG), want to know the best stocks to buy for the next 30 days? Check out Zacks Investment Research for our free report on the 7 best stocks to buy.
Zacks Investment Research has been committed to providing investors with tools and independent research since 1978. For more than a quarter century, the Zacks Rank stock-rating system has more than doubled the S&P 500 with an average gain of +24.08% per year. (These returns cover a period from January 1, 1988 through May 6, 2024.)
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

American International Group (AIG) Q4 Earnings Surpass Estimates

(RTTNews) - American International Group, Inc. (AIG) revealed a profit for fourth quarter that Drops, from the same period last year
The company's earnings came in at $735 million, or $1.35 per share. This compares with $898 million, or $1.43 per share, last year.
Excluding items, American International Group, Inc. reported adjusted earnings of $1.072 billion or $1.96 per share for the period.
The company's revenue for the period fell 0.6% to $6.039 billion from $6.077 billion last year.
American International Group, Inc. earnings at a glance (GAAP) :
-Earnings: $735 Mln. vs. $898 Mln. last year. -EPS: $1.35 vs. $1.43 last year. -Revenue: $6.039 Bln vs. $6.077 Bln last year.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

American International Group, Inc. Bottom Line Drops In Q4

The following companies are expected to report earnings after hours on 02/10/2026. Visit our Earnings Calendar for a full list of expected earnings releases.
Gilead Sciences, Inc. (GILD)is reporting for the quarter ending December 31, 2025. The biomedical (gene) company's consensus earnings per share forecast from the 9 analysts that follow the stock is $1.83. This value represents a 3.68% decrease compared to the same quarter last year. GILD missed the consensus earnings per share in the 1st calendar quarter of 2025 by -0.55%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for GILD is 18.63 vs. an industry ratio of -7.20, implying that they will have a higher earnings growth than their competitors in the same industry.
Welltower Inc. (WELL)is reporting for the quarter ending December 31, 2025. The reit company's consensus earnings per share forecast from the 4 analysts that follow the stock is $1.44. This value represents a 27.43% increase compared to the same quarter last year. In the past year WELL has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 3.08%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for WELL is 37.36 vs. an industry ratio of 13.50, implying that they will have a higher earnings growth than their competitors in the same industry.
Robinhood Markets, Inc. (HOOD)is reporting for the quarter ending December 31, 2025. The investment bankers company's consensus earnings per share forecast from the 8 analysts that follow the stock is $0.63. This value represents a 16.67% increase compared to the same quarter last year. In the past year HOOD has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 19.61%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for HOOD is 42.64 vs. an industry ratio of 18.00, implying that they will have a higher earnings growth than their competitors in the same industry.
Cloudflare, Inc. (NET)is reporting for the quarter ending December 31, 2025. The internet software company's consensus earnings per share forecast from the 8 analysts that follow the stock is $0.02. This value represents a 166.67% increase compared to the same quarter last year. Ford Motor Company (F)is reporting for the quarter ending December 31, 2025. The auto (domestic) company's consensus earnings per share forecast from the 7 analysts that follow the stock is $0.17. This value represents a 56.41% decrease compared to the same quarter last year. In the past year F and beat the expectations the other three quarters. Zacks Investment Research reports that the 2025 Price to Earnings ratio for F is 12.03 vs. an industry ratio of 32.30.
Edwards Lifesciences Corporation (EW)is reporting for the quarter ending December 31, 2025. The medical instruments company's consensus earnings per share forecast from the 13 analysts that follow the stock is $0.62. This value represents a 5.08% increase compared to the same quarter last year. In the past year EW has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 13.56%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for EW is 29.65 vs. an industry ratio of 1.00, implying that they will have a higher earnings growth than their competitors in the same industry.
American International Group, Inc. (AIG)is reporting for the quarter ending December 31, 2025. The insurance company's consensus earnings per share forecast from the 7 analysts that follow the stock is $1.89. This value represents a 45.38% increase compared to the same quarter last year. In the past year AIG has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 30.95%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for AIG is 10.67 vs. an industry ratio of 9.30, implying that they will have a higher earnings growth than their competitors in the same industry.
Astera Labs, Inc. (ALAB)is reporting for the quarter ending December 31, 2025. The internet software company's consensus earnings per share forecast from the 8 analysts that follow the stock is $0.30. This value represents a 200.00% increase compared to the same quarter last year. In the past year ALAB has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 18.18%. W. P. Carey Inc. (WPC)is reporting for the quarter ending December 31, 2025. The reit company's consensus earnings per share forecast from the 2 analysts that follow the stock is $1.22. This value represents a 0.83% increase compared to the same quarter last year. In the past year WPC has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 5.04%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for WPC is 14.96 vs. an industry ratio of 13.50, implying that they will have a higher earnings growth than their competitors in the same industry.
Lattice Semiconductor Corporation (LSCC)is reporting for the quarter ending December 31, 2025. The electric company company's consensus earnings per share forecast from the 5 analysts that follow the stock is $0.16. This value represents a 220.00% increase compared to the same quarter last year. Zacks Investment Research reports that the 2025 Price to Earnings ratio for LSCC is 324.22 vs. an industry ratio of 19.30, implying that they will have a higher earnings growth than their competitors in the same industry.
Assurant, Inc. (AIZ)is reporting for the quarter ending December 31, 2025. The insurance company's consensus earnings per share forecast from the 5 analysts that follow the stock is $5.55. This value represents a 15.87% increase compared to the same quarter last year. In the past year AIZ has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 35.46%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for AIZ is 11.91 vs. an industry ratio of 9.30, implying that they will have a higher earnings growth than their competitors in the same industry.
Exelixis, Inc. (EXEL)is reporting for the quarter ending December 31, 2025. The biomedical (gene) company's consensus earnings per share forecast from the 8 analysts that follow the stock is $0.68. This value represents a 41.67% increase compared to the same quarter last year. In the past year EXEL has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 13.56%. The "days to cover" for this stock exceeds 10 days. Zacks Investment Research reports that the 2025 Price to Earnings ratio for EXEL is 16.77 vs. an industry ratio of -7.20, implying that they will have a higher earnings growth than their competitors in the same industry.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

American International Group, Inc. New

Sign up and unlock all the capabilities of the AI-screener