American International Group Inc (AIG)vsOnity Group Inc. (ONIT)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
ONIT
Onity Group Inc.
$34.34
-0.69%
FINANCIAL SERVICES · Cap: $284.89M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 2230% more annual revenue ($26.74B vs $1.15B). ONIT leads profitability with a 12.3% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. ONIT earns a higher WallStSmart Score of 74/100 (B).
AIG
Buy64
out of 100
Grade: C+
ONIT
Strong Buy74
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
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 50.9%
Every $100 of equity generates 29 in profit
Growing faster than its price suggests
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 70.4%
Negative free cash flow — burning cash
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 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 14.7% demonstrates continued momentum. PEG of 0.62 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 : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow. Debt-to-equity of 16.43 is elevated, increasing financial risk.
Key Dynamics to Monitor
ONIT carries more volatility with a beta of 1.46 — expect wider price swings.
ONIT is growing revenue faster at 14.7% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ONIT scores higher overall (74/100 vs 64/100) 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.
Onity Group Inc.
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Onity Group Inc., a financial services company, originates and services mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. The company is headquartered in West Palm Beach, Florida.
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