Stock fact sheet · data as of
American International Group, Inc. (AIG): fair value, margin of safety and Wheel Score
Ticker symbol AIG · Financial Services · Insurance - Diversified · United States · Value
Is AIG undervalued?
At 81.71 (close of 5 Nov 2026), AIG trades within a few percent of the GLS average fair value of 85.67 (4.6% below fair value). 9 models produced a value and they split 2 above the price to 7 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
There is a wide gap between GLS Growth (1.19) and DCF (347.41). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, AIG is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 57, growth score 11, out of 100).
Nine valuation models for AIG
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 347.41 | +325% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 47.84 | -41% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 34.54 | -58% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 11.77 | -86% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.19 | -99% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 225.61 | +176% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 59.33 | -27% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 27.96 | -66% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 15.41 | -81% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -61.27 | -175% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 87.14 | +7% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
American International Group, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 2.4/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 6.2%, ROE 7.5%, ROA 1.9% - with debt at 0.22 times equity and a free-cash-flow yield of 12.0%.
The dividend yield is 2.33% at a payout ratio of 137%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Corporate Nonsegment and Reconciling It… 100% (fiscal year FY2025).
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 10/10 on the GLS smart-money scales; the last recorded insider buy was on 16 Oct 2026.
| Piotroski F-score | 7 / 9 | ROIC | 6.2% |
|---|---|---|---|
| GLS Moat | 2.4 / 10 | ROE | 7.5% |
| Debt / equity | 0.22 | ROA | 1.9% |
| Free-cash-flow yield | 12.0% | Payout ratio | 137% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 10 / 10 |
Wheel Score 70: Good
With a Wheel Score of 70 - the Good band - American International Group, Inc. passes all 9 Wheel Trade Filters. How it ranks: value weak, premium fair, moat weak, health good, red flags strong, option trading strong, stability strong. Value (weak) is the part keeping it out of the Prime band.
Implied volatility is 28% on the near-the-money contracts 20-60 days out: enough to pass the 25-80% Wheel Trade Filter, but under the 35-60% sweet spot the score rewards most. The option chain is deep: 58,888 contracts of open interest across all expiries, which means tight fills at most strikes.
Volume runs at 5.8M shares a day on a market cap of $43.3B, with a beta of 0.49 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that strong.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 5% below fair value | |
| Premium | Fair | implied volatility 28% | |
| Moat | Weak | moat 2.4/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Strong | Red Flags score 100/100 | |
| Option trading | Strong | 10,435 contracts a day, 58,888 open interest | |
| Stability | Strong | beta 0.49, $43.3B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for AIG in the nightly calendar. The next ex-dividend date is 16 Dec 2026 (0.5000 per share).
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Diversified
The 12 companies below are the closest to American International Group, Inc. by market cap within the Insurance - Diversified industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PFH Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060 | 15.42 | 141.40 | +89% | 33No options | $43.7B |
| SLF Sun Life Financial Inc. | 81.98 | 162.88 | +50% | 76Good | $45.6B |
| ACGL Arch Capital Group Ltd. | 110.68 | 302.58 | +63% | 80Good | $37.8B |
| ACGLN Arch Capital Group Ltd. | 15.11 | 133.92 | +89% | 39No options | $37.8B |
| ACGLO Arch Capital Group Ltd. | 18.33 | 141.94 | +87% | 39No options | $37.8B |
| HIG The Hartford Insurance Group, Inc. | 138.11 | 378.41 | +64% | 73Good | $36.9B |
| BNT Brookfield Wealth Solutions Ltd. | 43.08 | 55.05 | +22% | 40Weak | $14.3B |
| AEFC Aegon Funding Company LLC | 17.80 | 22.69 | +22% | 25No options | $13.8B |
| AEG Aegon Ltd. | 8.58 | 10.13 | +15% | 70Good | $13.0B |
| AXS AXIS Capital Holdings Limited | 107.78 | 470.12 | +77% | 46Weak | $7.7B |
| WTM White Mountains Insurance Group, Ltd. | 2,376.30 | 8,914.92 | +73% | 34No options | $5.7B |
| GNW Genworth Financial, Inc. | 9.19 | 14.89 | +38% | 76Good | $3.5B |
⚖ Compare AIG with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about AIG
Is AIG undervalued right now?
Not meaningfully: at 81.71 the stock trades within a few percent of the GLS average fair value of 85.67 (4.6% below fair value, data as of 5 Nov 2026).
What is the Wheel Score of AIG and what does it mean?
AIG scores 70 out of 100 (Good). The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for AIG?
85.67 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does American International Group, Inc. report earnings next?
No upcoming earnings date is recorded for AIG in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does AIG have listed options, and how liquid are they?
Yes. The nightly snapshot found 516 listed contracts with 58,888 open interest across all expiries and implied volatility of 28% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.