American International Group Inc (AIG)vsPalomar Holdings Inc (PLMR)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
PLMR
Palomar Holdings Inc
$124.00
-2.45%
FINANCIAL SERVICES · Cap: $3.29B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 2938% more annual revenue ($26.61B vs $875.97M). PLMR leads profitability with a 22.5% profit margin vs 11.6%. AIG trades at a lower P/E of 13.7x. PLMR earns a higher WallStSmart Score of 72/100 (B).
AIG
Buy60
out of 100
Grade: C
PLMR
Strong Buy72
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
Revenue surging 62.7% year-over-year
Earnings expanding 59.9% YoY
Every $100 of equity generates 24 in profit
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 28.7%
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Weak financial health signals
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 : PLMR
The strongest argument for PLMR centers on Revenue Growth, EPS Growth, Return on Equity. Profitability is solid with margins at 22.5% and operating margin at 28.7%. Revenue growth of 62.7% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : PLMR
The primary concerns for PLMR are Piotroski F-Score.
Key Dynamics to Monitor
AIG profiles as a declining stock while PLMR is a growth play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.60 — expect wider price swings.
PLMR is growing revenue faster at 62.7% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
PLMR scores higher overall (72/100 vs 60/100), backed by strong 22.5% margins and 62.7% 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.
Palomar Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Palomar Holdings, Inc., an insurance holding company, offers specialized property insurance to residential and commercial clients. The company is headquartered in La Jolla, California.
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