American International Group Inc (AIG)vsIntercorp Financial Services Inc (IFS)
AIG
American International Group Inc
$73.42
-0.48%
FINANCIAL SERVICES · Cap: $40.16B
IFS
Intercorp Financial Services Inc
$47.12
-2.75%
FINANCIAL SERVICES · Cap: $6.31B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 359% more annual revenue ($26.70B vs $5.81B). IFS leads profitability with a 35.9% profit margin vs 11.8%. IFS trades at a lower P/E of 10.6x. IFS earns a higher WallStSmart Score of 73/100 (B).
AIG
Strong Buy72
out of 100
Grade: B
IFS
Strong Buy73
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
Earnings expanding 21.6% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.9%
Revenue surging 24.8% year-over-year
Earnings expanding 37.3% YoY
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
Negative free cash flow — burning cash
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 0.62 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 35.9% and operating margin at 46.9%. Revenue growth of 24.8% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : IFS
The primary concerns for IFS are Debt/Equity, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while IFS is a growth play — different risk/reward profiles.
IFS carries more volatility with a beta of 0.56 — expect wider price swings.
IFS is growing revenue faster at 24.8% — sustainability is the question.
AIG generates stronger free cash flow (155M), providing more financial flexibility.
Bottom Line
IFS scores higher overall (73/100 vs 72/100), backed by strong 35.9% margins and 24.8% revenue growth. Both earn "Strong 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.
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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