American International Group Inc (AIG)vsHeritage Insurance Hldgs Inc (HRTG)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
HRTG
Heritage Insurance Hldgs Inc
$34.58
+0.14%
FINANCIAL SERVICES · Cap: $1.02B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 3029% more annual revenue ($26.74B vs $854.63M). HRTG leads profitability with a 25.2% profit margin vs 11.1%. HRTG trades at a lower P/E of 4.8x. HRTG earns a higher WallStSmart Score of 72/100 (B).
AIG
Buy64
out of 100
Grade: C+
HRTG
Strong Buy72
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
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Strong operational efficiency at 39.2%
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
3.0% revenue growth
Smaller company, higher risk/reward
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 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 25.2% and operating margin at 39.2%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
HRTG carries more volatility with a beta of 0.91 — expect wider price swings.
HRTG is growing revenue faster at 3.0% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HRTG scores higher overall (72/100 vs 64/100), backed by strong 25.2% 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.
Heritage Insurance Hldgs Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.
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