American International Group Inc (AIG)vsIntercorp Financial Services Inc (IFS)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
IFS
Intercorp Financial Services Inc
$54.73
+0.11%
FINANCIAL SERVICES · Cap: $6.03B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 356% more annual revenue ($26.74B vs $5.87B). IFS leads profitability with a 35.7% profit margin vs 11.1%. IFS trades at a lower P/E of 10.0x. AIG earns a higher WallStSmart Score of 64/100 (C+).
AIG
Buy64
out of 100
Grade: C+
IFS
Buy59
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
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Reasonable price relative to book value
Generating 2.7B in free cash flow
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
3.8% revenue growth
2.4% earnings growth
Elevated debt levels
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 : IFS
The strongest argument for IFS centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 35.7% and operating margin at 44.7%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : IFS
The primary concerns for IFS are Revenue Growth, EPS Growth, Debt/Equity.
Key Dynamics to Monitor
AIG carries more volatility with a beta of 0.51 — expect wider price swings.
IFS is growing revenue faster at 3.8% — sustainability is the question.
IFS generates stronger free cash flow (2.7B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AIG scores higher overall (64/100 vs 59/100). Both earn "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.
Intercorp Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Intercorp Financial Services Inc. provides banking, insurance and wealth management services for retail and commercial clients in Peru. The company is headquartered in Lima, Peru.
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