WallStSmart

Aegon NV ADR (AEG)vsAmerican International Group Inc (AIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American International Group Inc generates 119% more annual revenue ($26.70B vs $12.19B). AIG leads profitability with a 11.8% profit margin vs 8.0%. AIG appears more attractively valued with a PEG of 0.62. AIG earns a higher WallStSmart Score of 72/100 (B).

AEG

Hold

40

out of 100

Grade: D

Growth: 3.0Profit: 6.0Value: 5.0Quality: 5.5
Piotroski: 5/9

AIG

Strong Buy

72

out of 100

Grade: B

Growth: 4.7Profit: 5.5Value: 7.0Quality: 5.0
Piotroski: 4/9Altman Z: 0.67

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AEG3 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Return on EquityProfitability
27.6%9/10

Every $100 of equity generates 28 in profit

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

AIG5 strengths · Avg: 8.6/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.628/10

Growing faster than its price suggests

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
21.6%8/10

Earnings expanding 21.6% YoY

Areas to Watch

AEG4 concerns · Avg: 2.3/10
Operating MarginProfitability
0.3%3/10

Operating margin of 0.3%

PEG RatioValuation
14.092/10

Expensive relative to growth rate

Revenue GrowthGrowth
-13.7%2/10

Revenue declined 13.7%

EPS GrowthGrowth
-46.7%2/10

Earnings declined 46.7%

AIG3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.4%4/10

1.4% revenue growth

Return on EquityProfitability
7.8%3/10

ROE of 7.8% — below average capital efficiency

Altman Z-ScoreHealth
0.672/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AEG

The strongest argument for AEG centers on Price/Book, Return on Equity, P/E Ratio.

Bull Case : AIG

The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.62 suggests the stock is reasonably priced for its growth.

Bear Case : AEG

The primary concerns for AEG are Operating Margin, PEG Ratio, Revenue Growth.

Bear Case : AIG

The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.

Key Dynamics to Monitor

AEG carries more volatility with a beta of 0.63 — expect wider price swings.

AIG is growing revenue faster at 1.4% — sustainability is the question.

AIG generates stronger free cash flow (155M), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AIG scores higher overall (72/100 vs 40/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Aegon NV ADR

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Aegon NV offers a range of financial services in the Americas, Europe and Asia. The company is headquartered in The Hague, the Netherlands.

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American International Group Inc

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

American International Group, Inc., also known as AIG, is an American multinational finance and insurance corporation with operations in more than 80 countries and jurisdictions. The company operates through three core businesses: General Insurance, Life & Retirement, and a standalone technology-enabled subsidiary.

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