American International Group Inc (AIG)vsOneMain Holdings Inc (OMF)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
OMF
OneMain Holdings Inc
$62.75
+1.11%
FINANCIAL SERVICES · Cap: $7.28B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 785% more annual revenue ($26.74B vs $3.02B). OMF leads profitability with a 25.9% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. OMF earns a higher WallStSmart Score of 65/100 (C+).
AIG
Buy64
out of 100
Grade: C+
OMF
Buy65
out of 100
Grade: C+
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
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 28.6%
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Revenue declined 2.7%
Earnings declined 5.9%
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : OMF
The strongest argument for OMF centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 25.9% and operating margin at 28.6%. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : OMF
The primary concerns for OMF are Revenue Growth, EPS Growth, Debt/Equity. Debt-to-equity of 6.73 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a value stock while OMF is a declining play — different risk/reward profiles.
OMF carries more volatility with a beta of 1.19 — expect wider price swings.
AIG is growing revenue faster at 0.5% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
OMF scores higher overall (65/100 vs 64/100), backed by strong 25.9% 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.
OneMain Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
OneMain Holdings, Inc., a financial services holding company, is in the consumer finance and insurance businesses. The company is headquartered in Evansville, Indiana.
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