WallStSmart

American International Group Inc (AIG)vsFulton Financial Corporation (FULT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American International Group Inc generates 1905% more annual revenue ($26.74B vs $1.33B). FULT leads profitability with a 29.7% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. FULT earns a higher WallStSmart Score of 67/100 (B-).

AIG

Buy

64

out of 100

Grade: C+

Growth: 2.7Profit: 5.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: 0.67

FULT

Strong Buy

67

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 5/9Altman Z: -0.62

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG5 strengths · Avg: 8.6/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.578/10

Growing faster than its price suggests

P/E RatioValuation
13.9x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.72B8/10

Generating 1.7B in free cash flow

FULT4 strengths · Avg: 9.8/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
42.3%10/10

Strong operational efficiency at 42.3%

Profit MarginProfitability
29.7%9/10

Keeps 30 of every $100 in revenue as profit

Areas to Watch

AIG4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

Return on EquityProfitability
7.3%3/10

ROE of 7.3% — below average capital efficiency

EPS GrowthGrowth
-10.1%2/10

Earnings declined 10.1%

Altman Z-ScoreHealth
0.672/10

Distress zone — elevated risk

FULT3 concerns · Avg: 2.7/10
PEG RatioValuation
1.544/10

Expensive relative to growth rate

EPS GrowthGrowth
-1.9%2/10

Earnings declined 1.9%

Altman Z-ScoreHealth
-0.622/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : FULT

The strongest argument for FULT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.7% and operating margin at 42.3%. Revenue growth of 13.7% demonstrates continued momentum.

Bear Case : AIG

The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.

Bear Case : FULT

The primary concerns for FULT are PEG Ratio, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

AIG profiles as a value stock while FULT is a mature play — different risk/reward profiles.

FULT carries more volatility with a beta of 0.79 — expect wider price swings.

FULT is growing revenue faster at 13.7% — sustainability is the question.

AIG generates stronger free cash flow (1.7B), providing more financial flexibility.

Bottom Line

FULT scores higher overall (67/100 vs 64/100), backed by strong 29.7% margins and 13.7% 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.

Fulton Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Fulton Financial Corporation is a financial holding company that provides banking and financial services to businesses and consumers. The company is headquartered in Lancaster, Pennsylvania.

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