American International Group Inc (AIG)vsMastercard Inc (MA)
AIG
American International Group Inc
$82.60
-0.34%
FINANCIAL SERVICES · Cap: $41.28B
MA
Mastercard Inc
$660.73
-1.23%
FINANCIAL SERVICES · Cap: $555.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 31% more annual revenue ($36.29B vs $27.79B). MA leads profitability with a 46.7% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.65. AIG earns a higher WallStSmart Score of 75/100 (B+).
AIG
Strong Buy75
out of 100
Grade: B+
MA
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 72.0% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
16.4% revenue growth
Mega-cap, among the largest globally
Every $100 of equity generates 251 in profit
Keeps 47 of every $100 in revenue as profit
Strong operational efficiency at 60.5%
Safe zone — low bankruptcy risk
Earnings expanding 21.7% YoY
Areas to Watch
ROE of 1.9% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 85.4x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 16.4% demonstrates continued momentum. PEG of 0.65 suggests the stock is reasonably priced for its growth.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.7% and operating margin at 60.5%. Revenue growth of 14.0% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Altman Z-Score.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 3.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a growth stock while MA is a mature play — different risk/reward profiles.
MA carries more volatility with a beta of 0.76 — expect wider price swings.
AIG is growing revenue faster at 16.4% — sustainability is the question.
MA generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
AIG scores higher overall (75/100 vs 70/100) and 16.4% 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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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