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

A leading global insurer, Aon plc AON, is set to report first-quarter 2026 results on May 1, 2026, before the opening bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $6.33 per share on revenues of $4.96 billion.
The first-quarter earnings estimates have witnessed five downward revisions with no movement in the opposite direction over the past month. The bottom-line projection indicates a year-over-year increase of 11.6%. The Zacks Consensus Estimate for quarterly revenues implies year-over-year growth of 4.9%.
Image Source: Zacks Investment Research
For full-year 2026, the Zacks Consensus Estimate for Aon’s revenues is pegged at $18 billion, implying an increase of 4.8% year over year. Meanwhile, the consensus estimate for earnings per share for the year stands at $18.98, signaling year-over-year growth of approximately 11.2%.
AON’s earnings beat the consensus estimate in three of the last four quarters and missed only once, with an average surprise of 0.99%.
Aon plc Price and EPS Surprise
Q1 Earnings Whispers for AON
Our proven model does not conclusively predict an earnings beat for the company this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat, but that is not the case here.
AON has an Earnings ESP of -0.06%. This is because both the Most Accurate Estimate and the Zacks Consensus Estimate are pegged at $6.33. It has a Zacks Rank #3. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
What’s Shaping AON’s Q1 Results?
The Zacks Consensus Estimate for the Commercial Risk Solutions line’s first-quarter revenues indicates 7.3% growth from $2 billion a year ago, whereas our model predicts a 6% increase. We expect the unit to witness 5% organic revenue growth in the quarter under discussion.
The consensus mark for the Health Solutions line’s first-quarter revenues implies 6.8% growth from the year-ago level of $1.03 billion, while our model estimate indicates a 7% increase. We expect the unit to witness 5% organic revenue growth in the quarter under discussion.
The Zacks Consensus Estimate for Reinsurance Solutions' first-quarter revenues indicates growth of 5.5% from $1.2 billion recorded a year ago, while our model estimate implies an 8% increase. Favorable retention rates and new business generation are expected to have benefited the unit.
The factors mentioned above are expected to have contributed to the company's year-over-year growth. However, the positives are likely to have been partially offset by increased expenses, coupled with a decrease in Wealth Solutions revenues.
The consensus estimate for first-quarter revenues in the Wealth Solutions segment implies a 10.5% decline from the prior year’s $519 million, while our model estimate implies a 9% decrease. Our model projects a 1.4% increase in total operating expenses for the first quarter, primarily caused by higher information technology and Premises expenses. We estimate total operating expenses to be more than $3.3 billion in the to-be-reported quarter.
Stocks That Warrant a Look
Here are some companies from the broader Finance space that you may want to consider, as our model shows that these have the right combination of elements to post an earnings beat this time around:
Cboe Global Markets, Inc. CBOE has an Earnings ESP of +3.42% and sports a Zacks Rank of 1. You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for Cboe’s bottom line for the to-be-reported quarter is pegged at $3.26, which indicates 30.4% year-over-year growth. The consensus estimate for current quarter revenues is pegged at $688.4 million, a 21.8% year-over-year jump. CBOE’s earnings have beaten estimates in each of the past four quarters, delivering an average surprise of 4.4%.
Assurant, Inc. AIZ has an Earnings ESP of +3.01% and a Zacks Rank of 3.
The Zacks Consensus Estimate for Assurant’s bottom line for the to-be-reported quarter is pegged at $5.40, which indicates 59.3% year-over-year growth. The consensus estimate for Assurant’s revenues is pegged at $3.3 billion, a 6.6% increase from a year ago. AIZ’s earnings have beaten estimates in each of the past four quarters, delivering an average surprise of 20.4%.
American International Group, Inc. AIG has an Earnings ESP of +0.53% and a Zacks Rank of 3.
The Zacks Consensus Estimate for American International’s earnings for the to-be-reported quarter is pegged at $1.90 per share, indicating 62.4% year-over-year growth. The consensus estimate for revenues is pegged at $6.9 billion, signaling an increase of 4.1%. AIG’s earnings have beaten estimates in each of the past four quarters, delivering an average surprise of 15.2%.
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Will AON Beat Q1 Earnings Despite Weakness in Wealth Solutions?

American International Group, Inc. AIG is scheduled to release first-quarter 2026 results on April 30, 2026, after market close. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $1.90 per share on revenues of $6.9 billion.
The first-quarter earnings estimateshave witnessed three downward revisions with no movement in the opposite direction over the past 60 days. The bottom-line projection indicates a year-over-year increase of 62.4%. Also, the Zacks Consensus Estimate for quarterly revenues suggests year-over-year growth of 4.1%.
Image Source: Zacks Investment Research
For full-year 2026, the Zacks Consensus Estimate for American International’s revenues is pegged at $29 billion, indicating a 5.5% year-over-year increase. The consensus mark for 2026 earnings per share is pegged at $7.75, indicating a jump of 9.3% on a year-over-year basis.
American International beat the consensus estimate for earnings in each of the trailing four quarters, with the average surprise being 15.2%.
American International Group, Inc. Price and EPS Surprise
Q1 Earnings Whispers for AIG
Our proven model predicts an earnings beat for American International this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat, which is exactly the case here.
AIG has an Earnings ESP of +0.53% and carries a Zacks Rank #3 at present. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Factors Likely to Shape AIG’s Q1 Results
In the first quarter, American International’s revenues are expected to have benefited from the General Insurance business. The Zacks Consensus Estimate for the net investment income in the General Insurance unit indicates a 22.5% year-over-year increase. Also, the Zacks Consensus Estimate for adjusted pre-tax income in General Insurance is pegged at $1.5 billion, indicating 51.1% growth from the prior-year quarter’s reported number.
The Zacks Consensus Estimate for net premiums earned in General Insurance is pegged at $5.9 billion, indicating a 2.4% increase from the prior-year quarter’s reported number. The Zacks Consensus Estimate for underwriting income in General Insurance is expected to be $578 million compared with $243 million a year ago.
The consensus mark for combined ratio is pegged at 90.2% for the to-be-reported quarter, improving from 95.8% a year ago. The consensus mark for loss ratio is expected to improve 59.74% from 65.3% a year ago.
AIG’s first-quarter results are expected to reflect strong underwriting and investment income, with improved margins and profitability despite modest premium growth.
Stocks That Warrant a Look
Here are some companies from the broader Finance space that you may want to consider, as our model shows that these have the right combination of elements to post an earnings beat this time around:
Cboe Global Markets, Inc. CBOE has an Earnings ESP of +3.42% and sports a Zacks Rank of 1. You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for Cboe’s bottom line for the to-be-reported quarter is pegged at $3.26, which indicates 30.4% year-over-year growth. The consensus estimate for current quarter revenues is pegged at $688.4 million, a 21.8% year-over-year jump. CBOE’s earnings have beaten estimates in each of the past four quarters, delivering an average surprise of 4.4%.
Axis Capital Holdings Limited AXS has an Earnings ESP of +1.34% and a Zacks Rank of 2 at present.
The Zacks Consensus Estimate for Axis Capital Holdings’ earnings for the to-be-reported quarter is pegged at $3.23 per share, indicating 1.9% year-over-year growth. The consensus estimate for revenues is pegged at $1.7 billion. Axis Capital Holdings beat earnings estimates in each of the past four quarters, with the average surprise being 15.8%.
Assurant, Inc. AIZ has an Earnings ESP of +3.01% and a Zacks Rank of 3.
The Zacks Consensus Estimate for Assurant’s bottom line for the to-be-reported quarter is pegged at $5.40, which indicates 59.3% year-over-year growth. The consensus estimate for Assurant’s revenues is pegged at $3.3 billion, a 6.6% increase from a year ago. AIZ’s earnings have beaten estimates in each of the past four quarters, delivering an average surprise of 20.4%.
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Senior Stock Strategist Kevin Cook reveals 7 carefully selected stocks poised to dominate the quantum computing landscape in his report, Beyond AI: The Quantum Leap in Computing Power.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Will AIG Beat Q1 Earnings Estimates on Solid Underwriting Income?

(RTTNews) - American International Group, Inc. (AIG), the global insurance major, Monday announced that it has appointed Eric Andersen as its next Chief Executive Officer and President, effective June 1.
Current chief executive, Peter Zaffino will become Executive Chair of the company.
In pre-market activity, AIG shares were trading at $74.85, down 0.35% on the New York Stock Exchange.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

AIG Appoints Eric Andersen Next CEO As Peter Zaffino Transitions To Executive Chair

Everest Group, Ltd. EG shares are trading at a discount compared with the Zacks Multi-line Insurance industry. Its forward price-to-book value of 0.92X is lower than the industry average of 2.57X, the Finance sector’s 4.35X, and the Zacks S&P 500 composite’s 8.38X.
Everest Group underwrites property and casualty reinsurance and insurance in the United States and international markets. The company is poised for growth on product diversification, international insurance expansion, rise in fixed maturity investments.
Image Source: Zacks Investment Research
The insurer has a market capitalization of $14.2 billion. The average volume of shares traded in the last three months was 0.36 million.
Shares of other insurers like American International Group AIG, Aegon NVAEG and Assurant, Inc. AIZ are trading at a discount to the industry average.
EG’s Price Performance
Shares of Everest Group have gained 2.2% over the past year compared with the industry’s growth of 10.3%.
Image Source: Zacks Investment Research
EG’s Growth Projection
The Zacks Consensus Estimate for Everest Group’s 2026 earnings per share is pinned at $53.17, indicating a year-over-year increase of 19.3%. The estimate for 2026 revenues is pegged at $14.46 billion, implying a year-over-year decline of 5.9%.
The consensus estimate for 2027 earnings per share and revenues indicates an increase of 12.1%, while revenues indicate a decrease of 3.6% from the corresponding 2026 estimates.
Earnings of EG grew 58.4% in the last five years, better than the industry average of 22.5%. The expected long-term earnings growth is pegged at 25.2%, better than the industry average of 11.3%.
Average Target Price for EG Suggests Upside
Based on short-term price targets offered by 16 analysts, the Zacks average price target is $367.56 per share. The average suggests a potential 4.8% upside from the last closing price.
Image Source: Zacks Investment Research
What’s Driving EG?
Everest Group’s Reinsurance business is the sixth largest globally, based on gross premiums written. The segment contributes 71% of total premiums and has shown consistent growth over the past five years, highlighting its role as the core earnings driver. This growth is supported by favorable pricing conditions and rising demand for reinsurance, driven by increasing catastrophe risks. Everest Group’s geographical diversity spanning 100 countries across six continents lends further stability to its reinsurance business.
The company has been witnessing a rise in investment income over the past couple of years. The key drivers of net investment income are higher income from fixed maturity investments, an increase in short-term investments and a rise in income from other invested assets. Higher limited partnership income and increased assets under management should add to the upside. EG expects investment returns to range between 5% and 6% in the upcoming years.
Everest Group is actively scaling operations in markets such as Mexico, Colombia, Australia, and Italy, targeting regions with strong insurance demand and underpenetrated segments. Mexico and Colombia offer growth opportunities driven by rising insurance adoption and demand for customized solutions, while Australia and Italy provide exposure to developed markets with increasing need for specialty and non-life coverage.
Everest Group’s accelerating technology adoption is a compelling catalyst for margin expansion and disciplined growth. International expansion, along with EG’s technology-led underwriting and diversified product offerings, is strengthening its global presence. Management expects continued growth supported by strong underwriting discipline and favorable loss ratios, positioning the international segment as a key long-term growth driver.
Everest Group boasts a strong capital position with sufficient cash generation capabilities. It exited 2025 with total investments and cash of $45.4 billion, up 9.4% from the 2024 level. The company targets a 15 to 20% long-term debt leverage ratio for a term of three years.
In 2025, EG repurchased shares worth $800 million and expects to continue repurchasing shares throughout 2026. The company's board recently approved a share buyback program of $10 million
Risks for EG Stock
Everest Group faces foreign exchange risk as it operates in currencies like the euro, pound, and Canadian dollar while reporting in U.S. dollars. Fluctuations in exchange rates can lead to translation losses, impacting net income and capital levels.
EG has seen fluctuating return on equity (ROE) in recent years, partly due to its 2023 equity raise of $1.5 billion, which expanded the capital base and diluted returns. ROE remains below the industry average despite improving in 2025.
Conclusion
Everest Group is poised for growth on product diversification, international insurance expansion, a rise in investment income and financial flexibility. However, foreign exchange volatility and lower return on equity continue to weigh on net income and capital efficiency.
It is, therefore, wise to retain this Zacks Rank #3 (Hold) stock presently. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

EG Stock Trading at a Discount to Industry at 0.9X: Time to Hold?

Investors will be closely watching who becomes the next Federal Reserve Chairman in May, as it will likely reshape interest-rate policy, market liquidity, and overall financial conditions at a moment when the economy is highly sensitive to Fed signals.
President Donald Trump has selected and formally nominated Kevin Warsh to replace Jerome Powell when Powell’s term ends on Friday, May 15.
However, Warsh’s Senate confirmation hearing, which was supposed to be held today (April 16), has been delayed due to paperwork and procedural requirements. This comes as the Senate Banking Committee had not received the necessary documents in time, with the earliest possible date for the hearing now being next Tuesday, April 21.
The Confirmation Process Is Creating Uncertainty
Leading up to his nomination, Warsh has backed Trump’s frustrations with Jerome Powell, claiming the Fed’s policy had been broken for quite a long time and stating Trump had a right to be frustrated with Powell's reluctance to cut interest rates sooner.
Ironically, Warsh has a hawkish reputation rooted in his past emphasis on inflation risks, although recent comments and market expectations point toward the likelihood that he will impose cautious, modest rate cuts, but not an aggressive easing or dovish cycle. Analysts often describe Warsh as not an extreme hawk, but also not structurally dovish.
The Senate Banking Committee is preparing for a high-stakes confirmation hearing next week, but political obstacles remain. To that point, one senator has vowed to block the nomination until a Trump-launched investigation into the current Fed leadership concludes.
Warsh's Educational Background & High Net Worth
Stanford University — Bachelor of Arts in Public Policy (1992), with concentrations in economics and political science.
Harvard Law School — Juris Doctor (J.D.), graduated cum laude in 1995.
Warsh has also completed coursework in market economics and debt capital markets at MIT Sloan and Harvard Business School. These credentials reflect a blend of policy, law, and financial-market training.
It’s also noteworthy that Warsh would be the wealthiest person to serve as Fed Chair, with an estimated net worth of more than $130 million. Filings show Warsh holds well over $100 million in assets, including two investments worth more than $50 million each in the Juggernaut Fund from the Duquesne Family Office, a private investment firm launched by renowned billionaire Stanley Druckenmiller.
More About Kevin Warsh
At the age of 35, Warsh became the youngest person to serve on the Federal Reserve’s Board of Governors, receiving the nomination from former President George W. Bush in 2006.
Warsh previously worked his way up to an executive director and vice president for Morgan Stanley's MS) mergers and acquisitions (M&A) department before joining the Bush administration in 2002 as executive secretary for the National Economic Council.
As reported by Forbes, Warsh also aided in the Obama administration’s bailout of insurer American International Group AIG) during the 2008 financial crisis and assisted JPMorgan’s JPM) acquisition of Bear Stearns, a historic brokerage firm that collapsed as the investment banking industry failed.
Warsh resigned from the Fed in 2011 to work for the Duquesne Family Office. Notably, Warsh was a finalist for Fed Chair in 2017, before President Trump nominated Jerome Powell.
Markets Signal a Potential Policy Turn
Analysts note that if confirmed, Warsh is expected to push rates toward a “neutral” level near 3%, consistent with expectations for two quarter-point rate cuts in the second half of 2026.
Of course, any change in the expected rate path can typically affect treasury yields, mortgage rates, equity valuations, and corporate borrowing costs.
Warsh’s nomination has triggered what some analysts call the “Warsh Shock,” with markets recalibrating toward a Fed that may prioritize a smaller balance sheet and a more deregulatory stance. This has already led to a sharp sell off in precious metals, a stronger U.S. dollar, rising treasury yields, and has been partly associated with elevated market volatility.
Image Source: Federal Reserve Economic Data
How Warsh’s Policy Stance could Differ from Powell’s
Warsh is known for advocating a reduced Fed balance sheet and closer coordination with the Treasury, but has a more skeptical view of unconventional monetary tools as it relates to quantitative easing, forward guidance, and large-scale asset purchases.
Some analysts argue that in a crisis, reluctance to use these unconventional monetary tools could slow the Fed’s response. These positions differ from Jerome Powell’s approach and could influence liquidity conditions, bank regulation, and the Fed’s crisis-response playbook.
Ultimately, Warsh should fit in well with what has overall been a pro-business government/administration that has provided increased regulatory support, especially for emerging markets like cryptocurrencies, while making rare investments to boost domestic manufacturing, with chipmaker Intel (INTC) being a prime example.
Conclusion & Final Thoughts
Analysts like Kevin Warsh’s prior Fed experience, with his credibility extending to a strong focus on inflation, and some view his preference for a smaller Fed balance sheet as a return to a more traditional monetary framework.
That said, there are concerns about Warsh’s historically hawkish background, limited academic background in macroeconomics, skepticism of unconventional monetary tools, and a perceived alignment with political preferences as it relates to appeasing President Trump.
This complex combination of pros and cons is why investors are watching his potential leadership closely, as it could signal a shift in how the Fed balances inflation and financial market stability. Next week, I’ll discuss the top stocks and private venture capital companies to watch if Warsh becomes Fed Chair.
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What to Know as Kevin Warsh's Fed Chair Nomination Hearing Gets Delayed

Shares of Assurant, Inc.AIZ have gained 14.1% in the past year compared with the Multi-line Insurance industry’s 2.3% growth. The Finance sector and the Zacks S&P 500 composite have gained in the same time frame.
The insurer has a market capitalization of $11.6 billion. The average volume of shares traded in the last three months was 0.4 million.
Shares of AIZ's peers Aegon Ltd AEG and Allianz SE ALIZY have gained 31.4% and 16.9%, respectively, while those of American International Group AIG have declined 4.5%.
Image Source: Zacks Investment Research
AIZ Shares Are Undervalued
AIZ shares are trading at a discount compared with the industry. Its forward price-to-book value of 1.88X is lower than the industry average of 2.57X, the finance sector's 4.13X, and the Zacks S&P 500 composite’s 8.14X.
Image Source: Zacks Investment Research
AIZ’s Growth Projection Encourages
The Zacks Consensus Estimate for Assurant’s 2026 earnings per share (EPS) is pinned at $20.75, indicating a year-over-year increase of 4.9%. The consensus estimate for revenues is pegged at $13.63 billion, implying a year-over-year improvement of 6.1%.
Management estimates adjusted earnings, excluding reportable catastrophes, per share, to be consistent with 2025 levels or increase in the mid-to-high single-digit ranges.
The consensus estimate for 2027 EPS and revenues indicates an increase of 7.6% and 6.4%, respectively, from the corresponding 2026 estimates.
Earnings of Assurant grew 17.3% in the last five years, better than the industry average of 10.4%. The insurer has a solid track record of beating earnings estimates in each of the last four quarters, with the average being 20.36%.
Average Target Price for AIZ Suggests Upside
Based on short-term price targets offered by six analysts, the Zacks average price target is $260 per share. This average suggests a potential 18.51% upside from the last closing price.
Image Source: Zacks Investment Research
Assurant’s Favorable Return on Capital
Return on equity in the trailing 12 months was 18.65%, better than the industry average of 12.1%. This highlights the company’s efficiency in utilizing shareholders’ funds.
The return on invested capital (ROIC) has been increasing over the last few quarters as the company raised its capital investment over the same time frame, reflecting AIZ’s efficiency in utilizing funds to generate income. ROIC in the trailing 12 months was 12.1%, better than the industry average of 2.1%.
Key Points to Note for AIZ
Assurant is focusing on growing fee-based capital-light businesses that presently constitute 52% of segmental revenues. Management estimates this contribution to continue growing at a double-digit rate over the longer term.
Connected Living remains a key growth engine, supported by expansion in mobile protection programs with Verizon/Total Wireless, T-Mobile, Best Buy Geek Squad, and Chase Card Services, along with international expansion. Strategic partnerships with carriers, retailers, and financial institutions are strengthening distribution. The company is expanding Connected Living through innovation and partnerships, targeting 8% margins over the long term.
AIZ’s focus on AI, automation, and robotics is improving operational efficiency across claims processing and device handling. These technologies enhance customer experience while increasing turnaround speed and resale value.
Thus, for 2026, Global Lifestyle adjusted EBITDA is projected to increase in the high single digits with contributions from Connected Living and Global Automotive. AIZ continues to expect growth within Global Lifestyle, where both Connected Living and Global Automotive are expected to grow.
The Housing business remains a key earnings pillar, driven by growth in lender-placed insurance, renters solutions, and favorable industry conditions supporting policy expansion. Management expects combined ratios in the low-to-mid 80% range, reflecting continued profitability and resilience.
Meanwhile, the Auto segment is stabilizing with improved loss experience from pricing actions and better claims management. Expansion across dealer networks, OEMs, and lending partners supports steady earnings growth. Management estimates Global Housing adjusted EBITDA, excluding reportable catastrophes, to decrease in 2026.
Home Warranty is a new long-term growth vector. Management described Home Warranty as a path to market leadership, with an expected $15–$20 million incremental investment in 2026 and a long-term profit opportunity. Assurant signed a long-term agreement with Compass International Holdings across six U.S. real estate brands, expanding its total addressable market and distribution reach.
Focus on inorganic and organic growth strategies bodes well for Assurant's growth. For 2026, it expects adjusted EBITDA, excluding reportable catastrophes, to be consistent with 2025 levels.
AIZ has a solid capital management policy. It expects to deploy capital to fund investments, mergers and acquisitions. Assurant ended 2025 with strong liquidity, returned $300 million via buybacks, increased its dividend by 10%, and marked its 21st consecutive year of dividend increases. The company plans $250–$350 million in share buybacks in 2026, along with continued dividends.
Conclusion
AIZ has witnessed broad-based growth, improving margins, strong cash generation, disciplined capital returns, and multiple new growth levers across Lifestyle, Housing, and Home Warranty, which favor its results. Higher return on capital, favorable growth estimates and attractive valuations should continue to benefit the insurer over the long term.
Its impressive dividend history and attractive valuations are other positives.
The stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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The AI revolution has already minted millionaires. But the stocks everyone knows about aren't likely to keep delivering the biggest profits. Little-known AI firms tackling the world's biggest problems may be more lucrative in the coming months and years.
See
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AIZ Stock Outperforms Industry: Time to Hold or Buy?

Shares of American International Group, Inc. AIG are down 9.1% year to date, lagging both the broader industry and the S&P 500. The decline also trails peers like MetLife, Inc. MET and Marsh & McLennan Companies, Inc. MRSH, which have fallen 4.6% and 6.5%, respectively. For investors, the decline raises an obvious question: Is this a temporary dip, or is the market flagging real issues?
YTD Price Performance: AIG, MET, MRSH, Industry & S&P 500 Index
Image Source: Zacks Investment Research
AIG’s pullback isn’t tied to one headline, but to a combination of factors that have weighed on investor confidence. A surprise executive transition raised concerns at a time when investors value stability. Meanwhile, rising litigation costs, inflation concerns, and execution risks across the insurance industry have made investors more cautious.
Another issue is profitability. AIG has not delivered the same return on equity as many rivals. Its ROE of 9.8% is well below the industry average of 15.4%, which makes it harder to compete for investor capital.
From a valuation standpoint, AIG is trading below its own historical levels. The stock currently carries a forward 12-month P/E of 9.61X, which is below its five-year median of 10.25X. However, it is still above the industry average of 8.57X, showing investors still want more proof before re-rating the stock.
For comparison, MetLife trades at 7.40X forward earnings, while Marsh commands a much higher 16.40X. The discount to its own history signals reduced confidence, but not a complete collapse in sentiment.
What’s Supporting AIG’s Turnaround
Despite the stock’s weakness, the underlying business has been improving. AIG’s earnings recovery is being driven by a better underwriting mix, showing progress from its multi-year turnaround. Growth in North America Commercial and Global Specialty lines has been particularly important, since these areas typically offer stronger pricing power and better margins.
The company’s divestitures have also played a strategic role. Rather than simply shrinking, AIG has been selling businesses to sharpen its focus on General Insurance, reduce volatility, strengthen liquidity and free up capital for deployment.
Operational efficiency is also moving in the right direction. On a comparable basis, AIG’s expense ratio is improving due to tighter discipline, business mix shifts and a stronger premium base. In fact, its General Insurance expense ratio improved 90 basis points year over year in 2025.
AIG’s cash generation has supported strong shareholder returns as well. In 2025, it returned roughly $1 billion through dividends and $5.8 billion through share repurchases, reinforcing the company’s commitment to capital discipline.
Estimates for AIG
Analysts remain fairly optimistic even after the pullback. AIG trades below the average analyst price target of $87.55, implying about 13.9% upside. The target range remains wide, from $78 to $101, reflecting different views on execution risk, but the overall direction is still constructive.
The Zacks Consensus Estimate for 2026 EPS stands at $7.82, indicating 10.3% year-over-year growth. That is expected to be followed by another 12.7% jump in 2027. Revenue projections also remained steady, with estimates implying 5.2% growth in 2026 and 6.7% growth in 2027.
AIG beat earnings estimates in each of the past four quarters, the average surprise being 15.2%.
American International Group, Inc. Price, Consensus and EPS Surprise
Conclusion
Despite the 9% YTD drop, AIG’s fundamentals remain on a steady recovery path, supported by a stronger underwriting mix, improving expense discipline and consistent capital returns. While leadership uncertainty and below-average ROE have weighed on investor sentiment, earnings estimates still point to solid growth through 2027. The stock also trades below its historical valuation levels, leaving room for upside if execution stays on track. AIG currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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MetLife, Inc. (MET) : Free Stock Analysis Report
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AIG Stock Drops 9% YTD: Should Investors Buy Before the Bounce?

American International Group, Inc. AIG recently entered into a long-term strategic partnership with McGill and Partners. The goal is to modernize specialty insurance using data and digital tools. AIG reviewed McGill’s specialty portfolio to assess its quality and fit. Based on this, it will provide committed capacity across the business. This allows AIG to deploy capital more efficiently.
Based on this analysis, the company developed underwriting criteria to enable real-time underwriting utilizing McGill and Partners’ digital broking platform. AIG has committed to 25% of McGill’s $1.6 billion gross premiums written specialty portfolio, allowing it to deploy capital at scale. The use of McGill’s digital platform and agentic AI simplifies the underwriting process.
A key feature of the partnership is the integration of underwriting capabilities with McGill and Partners’ digital broking platform. This enables a more streamlined and responsive underwriting process, improving speed and access for brokers and clients. The model is designed to enhance execution efficiency while maintaining underwriting discipline.
AIG worked with Palantir to organize and structure data from McGill and Partners’ portfolio. By combining McGill’s digital broking platform with Palantir’s Foundry system, AIG can generate deeper insights into the business it underwrites.
This setup gives AIG near real-time visibility into exposures, capacity usage, risk models and loss trends. With this data, AIG can track performance closely and adjust its capital deployment to McGill’s clients over time. This move enables AIG to scale premium income through a steady deal pipeline. On the other hand, it allows McGill to lock in a large, reliable insurer to back deals, making it easier to place big or complex risks. This is a subscription model, where multiple insurers share slices of large risks.
Being an early mover in this AI-driven setup is expected to strengthen its position in the subscription market. It reflects AIG’s focus on technology and disciplined capital deployment, which could support long-term margin improvement.
AIG’s Stock Price Performance
AIG’s shares have fallen 10% year to date compared with the industry’s decline of 10.4%.
Image Source: Zacks Investment Research
AIG’s Zacks Rank & Key Picks
American International currently carries a Zacks Rank #3 (Hold).
Some better-ranked stocks in the broader finance space are The Allstate Corporation ALL, BankUnited, Inc. BKU and HCI Group, Inc. HCI, 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 current-year earnings is pegged at $25.40 per share and has witnessed five 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 current-year revenues is pinned at $72.8 billion, implying 7.3% year-over-year growth.
The Zacks Consensus Estimate for BankUnited’s current-year earnings is pegged at $4.01 per share, indicating a 12.3% year-over-year increase. BKU beat earnings estimates in each of the trailing four quarters, with the average surprise being 11.1%. The consensus estimate for current-year revenues is pinned at $1.2 billion, calling for 8% year-over-year growth.
The Zacks Consensus Estimate for HCI Group’s current-year earnings is pegged at $16.88 per share and has witnessed one upward revision in the past 30 days, against no movement in the opposite direction. HCI beat earnings estimates in each of the trailing four quarters, with the average surprise being 46.2%. The consensus estimate for current-year revenues is pinned at $1 billion, calling for 12.3% year-over-year growth.
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BankUnited, Inc. (BKU) : Free Stock Analysis Report
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AIG Expands Specialty Reach With McGill Tie-Up, Targets $1.6B Book

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.
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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.
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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.

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