American International Group Inc (AIG)vsCentral Pacific Financial Corp (CPF)
AIG
American International Group Inc
$81.75
+1.47%
FINANCIAL SERVICES · Cap: $41.61B
CPF
Central Pacific Financial Corp
$38.47
-1.28%
FINANCIAL SERVICES · Cap: $966.35M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 9042% more annual revenue ($26.74B vs $292.48M). CPF leads profitability with a 29.8% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.68. CPF earns a higher WallStSmart Score of 72/100 (B).
AIG
Buy61
out of 100
Grade: C+
CPF
Strong Buy72
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
Strong operational efficiency at 40.3%
Keeps 30 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 27.8% YoY
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Expensive relative to growth rate
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 0.68 suggests the stock is reasonably priced for its growth.
Bull Case : CPF
The strongest argument for CPF centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 29.8% and operating margin at 40.3%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : CPF
The primary concerns for CPF are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while CPF is a mature play — different risk/reward profiles.
CPF carries more volatility with a beta of 0.85 — expect wider price swings.
CPF is growing revenue faster at 6.1% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
CPF scores higher overall (72/100 vs 61/100), backed by strong 29.8% margins. 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.
Central Pacific Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.
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