American International Group Inc (AIG)vsMercury General Corporation (MCY)
AIG
American International Group Inc
$78.88
-1.65%
FINANCIAL SERVICES · Cap: $42.68B
MCY
Mercury General Corporation
$108.37
-1.04%
FINANCIAL SERVICES · Cap: $5.89B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 335% more annual revenue ($26.70B vs $6.14B). MCY leads profitability with a 13.7% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.66. MCY earns a higher WallStSmart Score of 76/100 (B+).
AIG
Strong Buy69
out of 100
Grade: B-
MCY
Strong Buy76
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
Every $100 of equity generates 32 in profit
Earnings expanding 100.9% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Weak financial health signals
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 0.66 suggests the stock is reasonably priced for its growth.
Bull Case : MCY
The strongest argument for MCY centers on P/E Ratio, Return on Equity, EPS Growth. Revenue growth of 10.5% 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 Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : MCY
The primary concerns for MCY are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
MCY carries more volatility with a beta of 0.91 — expect wider price swings.
MCY is growing revenue faster at 10.5% — sustainability is the question.
MCY generates stronger free cash flow (309M), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MCY scores higher overall (76/100 vs 69/100) and 10.5% 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.
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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