WallStSmart

American International Group Inc (AIG)vsNewtekOne, Inc. (NEWT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American International Group Inc generates 6476% more annual revenue ($26.74B vs $406.63M). NEWT leads profitability with a 16.1% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.64. NEWT earns a higher WallStSmart Score of 68/100 (B-).

AIG

Buy

64

out of 100

Grade: C+

Growth: 2.7Profit: 5.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: 0.67

NEWT

Strong Buy

68

out of 100

Grade: B-

Growth: 6.0Profit: 8.0Value: 5.7Quality: 5.0
Piotroski: 3/9Altman Z: -0.16

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG5 strengths · Avg: 8.6/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.648/10

Growing faster than its price suggests

P/E RatioValuation
13.8x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.72B8/10

Generating 1.7B in free cash flow

NEWT3 strengths · Avg: 10.0/10
P/E RatioValuation
5.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
52.0%10/10

Strong operational efficiency at 52.0%

Areas to Watch

AIG4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

Return on EquityProfitability
7.3%3/10

ROE of 7.3% — below average capital efficiency

EPS GrowthGrowth
-10.1%2/10

Earnings declined 10.1%

Altman Z-ScoreHealth
0.672/10

Distress zone — elevated risk

NEWT4 concerns · Avg: 2.8/10
Market CapQuality
$343.44M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.353/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.202/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AIG

The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.64 suggests the stock is reasonably priced for its growth.

Bull Case : NEWT

The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.1% and operating margin at 52.0%. Revenue growth of 14.7% demonstrates continued momentum.

Bear Case : AIG

The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.

Bear Case : NEWT

The primary concerns for NEWT are Market Cap, Debt/Equity, Piotroski F-Score.

Key Dynamics to Monitor

AIG profiles as a value stock while NEWT is a mature play — different risk/reward profiles.

NEWT carries more volatility with a beta of 1.35 — expect wider price swings.

NEWT is growing revenue faster at 14.7% — sustainability is the question.

AIG generates stronger free cash flow (1.7B), providing more financial flexibility.

Bottom Line

NEWT scores higher overall (68/100 vs 64/100), backed by strong 16.1% margins and 14.7% 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.

NewtekOne, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

NewtekOne, Inc. (NEWT) is a leading provider of diversified business solutions designed specifically for small to medium-sized enterprises (SMBs) across the United States. The company delivers an extensive portfolio of services, including payment processing, business lending, and cutting-edge technology solutions, aimed at driving operational excellence and facilitating growth for its clients. With a robust emphasis on innovation and customer satisfaction, NewtekOne has established itself as a vital partner for SMBs navigating a competitive environment, positioning the company for sustained success in a rapidly evolving marketplace.

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