American International Group Inc (AIG)vsHCI Group Inc (HCI)
AIG
American International Group Inc
$82.60
-0.34%
FINANCIAL SERVICES · Cap: $41.28B
HCI
HCI Group Inc
$190.83
+0.51%
FINANCIAL SERVICES · Cap: $2.36B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 2734% more annual revenue ($27.79B vs $980.69M). HCI leads profitability with a 33.5% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.65. HCI earns a higher WallStSmart Score of 84/100 (A-).
AIG
Strong Buy75
out of 100
Grade: B+
HCI
Exceptional Buy84
out of 100
Grade: A-
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
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 50.1%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
ROE of 1.9% — below average capital efficiency
Distress zone — elevated risk
Grey zone — moderate risk
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 : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 33.5% and operating margin at 50.1%. Revenue growth of 13.2% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Altman Z-Score.
Bear Case : HCI
The primary concerns for HCI are Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a growth stock while HCI is a mature play — different risk/reward profiles.
HCI carries more volatility with a beta of 0.93 — expect wider price swings.
AIG is growing revenue faster at 16.4% — sustainability is the question.
AIG generates stronger free cash flow (2.7B), providing more financial flexibility.
Bottom Line
HCI scores higher overall (84/100 vs 75/100), backed by strong 33.5% margins and 13.2% revenue growth. Both earn "Exceptional 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.
HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
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