American International Group Inc (AIG)vsConsumer Portfolio Services Inc (CPSS)
AIG
American International Group Inc
$82.60
-0.34%
FINANCIAL SERVICES · Cap: $41.28B
CPSS
Consumer Portfolio Services Inc
$9.77
-2.10%
FINANCIAL SERVICES · Cap: $221.90M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 12316% more annual revenue ($27.79B vs $223.84M). AIG leads profitability with a 11.8% profit margin vs 10.6%. CPSS appears more attractively valued with a PEG of 0.33. CPSS earns a higher WallStSmart Score of 75/100 (B).
AIG
Strong Buy75
out of 100
Grade: B+
CPSS
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 72.0% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
16.4% revenue growth
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 50.0% YoY
Revenue surging 22.7% year-over-year
Areas to Watch
ROE of 1.9% — below average capital efficiency
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 16.4% demonstrates continued momentum. PEG of 0.65 suggests the stock is reasonably priced for its growth.
Bull Case : CPSS
The strongest argument for CPSS centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 22.7% demonstrates continued momentum. PEG of 0.33 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Altman Z-Score.
Bear Case : CPSS
The primary concerns for CPSS are Market Cap, Return on Equity, Altman Z-Score. Debt-to-equity of 13.60 is elevated, increasing financial risk.
Key Dynamics to Monitor
CPSS carries more volatility with a beta of 1.14 — expect wider price swings.
CPSS is growing revenue faster at 22.7% — sustainability is the question.
AIG generates stronger free cash flow (2.7B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AIG scores higher overall (75/100 vs 75/100) and 16.4% revenue growth. Both earn "Strong Buy" and "Strong 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.
Consumer Portfolio Services Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Consumer Portfolio Services, Inc. is a specialized finance company in the United States. The company is headquartered in Las Vegas, Nevada.
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