American International Group Inc (AIG)vsMercury General Corporation (MCY)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
MCY
Mercury General Corporation
$96.36
-0.98%
FINANCIAL SERVICES · Cap: $5.30B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 344% more annual revenue ($26.61B vs $5.99B). AIG leads profitability with a 11.6% profit margin vs 9.0%. AIG appears more attractively valued with a PEG of 0.86. MCY earns a higher WallStSmart Score of 73/100 (B).
AIG
Buy60
out of 100
Grade: C
MCY
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
Attractively priced relative to earnings
Earnings expanding 100.9% YoY
Every $100 of equity generates 25 in profit
Reasonable price relative to book value
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Distress zone — elevated risk
Weak financial health signals
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 : MCY
The strongest argument for MCY centers on P/E Ratio, EPS Growth, Return on Equity. Revenue growth of 14.1% demonstrates continued momentum. PEG of 1.12 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : MCY
The primary concerns for MCY are Altman Z-Score, Piotroski F-Score.
Key Dynamics to Monitor
AIG profiles as a declining stock while MCY is a value play — different risk/reward profiles.
MCY carries more volatility with a beta of 0.93 — expect wider price swings.
MCY is growing revenue faster at 14.1% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
MCY scores higher overall (73/100 vs 60/100) and 14.1% revenue growth. Both earn "Strong 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.
Mercury General Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Mercury General Corporation engages in underwriting personal auto insurance in the United States. The company is headquartered in Los Angeles, California.
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