American International Group Inc (AIG)vsIntercorp Financial Services Inc (IFS)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
IFS
Intercorp Financial Services Inc
$44.45
-1.00%
FINANCIAL SERVICES · Cap: $4.94B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 384% more annual revenue ($26.61B vs $5.50B). IFS leads profitability with a 35.1% profit margin vs 11.6%. IFS trades at a lower P/E of 9.3x. IFS earns a higher WallStSmart Score of 60/100 (C).
AIG
Buy60
out of 100
Grade: C
IFS
Buy60
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 39.7%
Generating 2.2B in free cash flow
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
1.1% revenue growth
Earnings declined 2.8%
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 0.86 suggests the stock is reasonably priced for its growth.
Bull Case : IFS
The strongest argument for IFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.1% and operating margin at 39.7%.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : IFS
The primary concerns for IFS are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a declining stock while IFS is a value play — different risk/reward profiles.
IFS carries more volatility with a beta of 0.70 — expect wider price swings.
IFS is growing revenue faster at 1.1% — sustainability is the question.
IFS generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
AIG scores higher overall (60/100 vs 60/100). 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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