American International Group Inc (AIG)vsInternational General Insurance Holdings Ltd (IGIC)
AIG
American International Group Inc
$75.47
+1.52%
FINANCIAL SERVICES · Cap: $40.11B
IGIC
International General Insurance Holdings Ltd
$23.57
+0.21%
FINANCIAL SERVICES · Cap: $971.08M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 5048% more annual revenue ($26.61B vs $516.90M). IGIC leads profitability with a 24.6% profit margin vs 11.6%. IGIC trades at a lower P/E of 7.8x. IGIC earns a higher WallStSmart Score of 61/100 (C+).
AIG
Buy60
out of 100
Grade: C
IGIC
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-112.5%
Fair Value
$36.92
Current Price
$75.47
$38.55 premium
Margin of Safety
+73.8%
Fair Value
$95.49
Current Price
$23.57
$71.92 discount
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 25 of every $100 in revenue as profit
Strong operational efficiency at 26.7%
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 6.5%
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 : IGIC
The strongest argument for IGIC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.6% and operating margin at 26.7%.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : IGIC
The primary concerns for IGIC are Market Cap, Revenue Growth.
Key Dynamics to Monitor
AIG carries more volatility with a beta of 0.58 — expect wider price swings.
IGIC is growing revenue faster at -6.5% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IGIC scores higher overall (61/100 vs 60/100), backed by strong 24.6% margins. 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.
International General Insurance Holdings Ltd
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
International General Insurance Holdings Ltd. provides specialized insurance and reinsurance solutions globally. The company is headquartered in Amman, Jordan.
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