American International Group Inc (AIG)vsByline Bancorp Inc (BY)
AIG
American International Group Inc
$76.28
+1.26%
FINANCIAL SERVICES · Cap: $39.85B
BY
Byline Bancorp Inc
$38.67
+0.76%
FINANCIAL SERVICES · Cap: $1.71B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 6054% more annual revenue ($26.74B vs $434.46M). BY leads profitability with a 34.4% profit margin vs 11.1%. BY trades at a lower P/E of 11.5x. BY earns a higher WallStSmart Score of 68/100 (B-).
AIG
Buy64
out of 100
Grade: C+
BY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Earnings expanding 36.4% YoY
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : BY
The strongest argument for BY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.4% and operating margin at 50.4%. Revenue growth of 11.7% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : BY
The primary concerns for BY are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while BY is a mature play — different risk/reward profiles.
BY carries more volatility with a beta of 0.71 — expect wider price swings.
BY is growing revenue faster at 11.7% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
BY scores higher overall (68/100 vs 64/100), backed by strong 34.4% margins and 11.7% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
Byline Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Byline Bancorp, Inc. is the banking holding company for Byline Bank offering a range of banking products and services to small and medium-sized businesses, commercial and financial real estate sponsors, and consumers in the United States. The company is headquartered in Chicago, Illinois.
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