American International Group Inc (AIG)vsOneMain Holdings Inc (OMF)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
OMF
OneMain Holdings Inc
$57.91
-1.23%
FINANCIAL SERVICES · Cap: $6.82B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 795% more annual revenue ($26.61B vs $2.97B). OMF leads profitability with a 26.3% profit margin vs 11.6%. OMF appears more attractively valued with a PEG of 0.75. OMF earns a higher WallStSmart Score of 85/100 (A).
AIG
Buy60
out of 100
Grade: C
OMF
Exceptional Buy85
out of 100
Grade: A
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
Strong operational efficiency at 33.7%
Earnings expanding 63.7% YoY
Every $100 of equity generates 24 in profit
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
No major concerns identified
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 : OMF
The strongest argument for OMF centers on P/E Ratio, Operating Margin, EPS Growth. Profitability is solid with margins at 26.3% and operating margin at 33.7%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : OMF
No major red flags identified for OMF, but monitor valuation.
Key Dynamics to Monitor
AIG profiles as a declining stock while OMF is a mature play — different risk/reward profiles.
OMF carries more volatility with a beta of 1.26 — expect wider price swings.
OMF is growing revenue faster at 12.2% — sustainability is the question.
OMF generates stronger free cash flow (865M), providing more financial flexibility.
Bottom Line
OMF scores higher overall (85/100 vs 60/100), backed by strong 26.3% margins and 12.2% revenue growth. Both earn "Exceptional 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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