American International Group Inc (AIG)vsFirst Merchants Corporation (FRME)
AIG
American International Group Inc
$78.88
-1.65%
FINANCIAL SERVICES · Cap: $42.68B
FRME
First Merchants Corporation
$43.26
-0.37%
FINANCIAL SERVICES · Cap: $2.81B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 4086% more annual revenue ($26.70B vs $637.81M). FRME leads profitability with a 31.2% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.66. AIG earns a higher WallStSmart Score of 69/100 (B-).
AIG
Strong Buy69
out of 100
Grade: B-
FRME
Buy57
out of 100
Grade: C
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
Earnings expanding 21.6% YoY
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 22.6%
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
ROE of 7.4% — below average capital efficiency
Revenue declined 2.5%
Earnings declined 52.1%
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 0.66 suggests the stock is reasonably priced for its growth.
Bull Case : FRME
The strongest argument for FRME centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 31.2% and operating margin at 22.6%. PEG of 1.40 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : FRME
The primary concerns for FRME are Return on Equity, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AIG profiles as a value stock while FRME is a declining play — different risk/reward profiles.
FRME carries more volatility with a beta of 0.85 — 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.
Bottom Line
AIG scores higher overall (69/100 vs 57/100). 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.
First Merchants Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Merchants Corporation is the financial holding company for First Merchants Bank providing community banking services. The company is headquartered in Muncie, Indiana.
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