American International Group Inc (AIG)vsOportun Financial Corp (OPRT)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
OPRT
Oportun Financial Corp
$7.87
+2.74%
FINANCIAL SERVICES · Cap: $361.92M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 3494% more annual revenue ($26.74B vs $743.95M). AIG leads profitability with a 11.1% profit margin vs 2.6%. AIG trades at a lower P/E of 13.9x. AIG earns a higher WallStSmart Score of 64/100 (C+).
AIG
Buy64
out of 100
Grade: C+
OPRT
Buy55
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
Reasonable price relative to book value
Earnings expanding 21.4% YoY
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
ROE of 4.5% — below average capital efficiency
2.6% margin — thin
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 : OPRT
The strongest argument for OPRT centers on Price/Book, EPS Growth.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : OPRT
The primary concerns for OPRT are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 6.54 is elevated, increasing financial risk. Thin 2.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
OPRT carries more volatility with a beta of 1.25 — expect wider price swings.
OPRT is growing revenue faster at 9.4% — 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
AIG scores higher overall (64/100 vs 55/100). 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.
Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
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