American International Group Inc (AIG)vsPRA Group Inc (PRAA)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
PRAA
PRA Group Inc
$18.93
+0.85%
FINANCIAL SERVICES · Cap: $716.07M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1909% more annual revenue ($26.74B vs $1.33B). AIG leads profitability with a 11.1% profit margin vs -19.9%. AIG appears more attractively valued with a PEG of 0.57. PRAA earns a higher WallStSmart Score of 66/100 (B-).
AIG
Buy64
out of 100
Grade: C+
PRAA
Strong Buy66
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
Reasonable price relative to book value
Strong operational efficiency at 41.2%
Conservative balance sheet, low leverage
Revenue surging 29.4% year-over-year
Earnings expanding 40.1% 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
Expensive relative to growth rate
ROE of -25.4% — below average capital efficiency
Negative free cash flow — burning cash
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 : PRAA
The strongest argument for PRAA centers on Price/Book, Operating Margin, Debt/Equity. Revenue growth of 29.4% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : PRAA
The primary concerns for PRAA are Market Cap, PEG Ratio, Return on Equity.
Key Dynamics to Monitor
AIG profiles as a value stock while PRAA is a growth play — different risk/reward profiles.
PRAA carries more volatility with a beta of 1.11 — expect wider price swings.
PRAA is growing revenue faster at 29.4% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
PRAA scores higher overall (66/100 vs 64/100) and 29.4% 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.
PRA Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PRA Group, Inc., a service company, is engaged in the purchase, collection and management of delinquent loan portfolios in the Americas, Australia and Europe. The company is headquartered in Norfolk, Virginia.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?