American International Group Inc (AIG)vsF.N.B. Corp (FNB)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
FNB
F.N.B. Corp
$17.85
+1.83%
FINANCIAL SERVICES · Cap: $6.23B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1450% more annual revenue ($26.61B vs $1.72B). FNB leads profitability with a 34.1% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. FNB earns a higher WallStSmart Score of 74/100 (B).
AIG
Buy60
out of 100
Grade: C
FNB
Strong Buy74
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 42.0%
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bull Case : FNB
The strongest argument for FNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.1% and operating margin at 42.0%. PEG of 1.05 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : FNB
No major red flags identified for FNB, but monitor valuation.
Key Dynamics to Monitor
AIG profiles as a declining stock while FNB is a mature play — different risk/reward profiles.
FNB carries more volatility with a beta of 0.90 — expect wider price swings.
FNB is growing revenue faster at 9.6% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
FNB scores higher overall (74/100 vs 60/100), backed by strong 34.1% 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.
F.N.B. Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FNB Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small and medium-sized businesses. The company is headquartered in Pittsburgh, Pennsylvania.
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