American International Group Inc (AIG)vsProvident Financial Holdings Inc (PROV)
AIG
American International Group Inc
$73.42
+0.56%
FINANCIAL SERVICES · Cap: $40.16B
PROV
Provident Financial Holdings Inc
$16.92
+0.12%
FINANCIAL SERVICES · Cap: $106.69M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 67318% more annual revenue ($26.70B vs $39.60M). PROV leads profitability with a 15.4% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.62. AIG earns a higher WallStSmart Score of 72/100 (B).
AIG
Strong Buy72
out of 100
Grade: B
PROV
Hold47
out of 100
Grade: D+
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
Earnings expanding 21.6% YoY
Reasonable price relative to book value
Strong operational efficiency at 21.6%
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 4.8% — below average capital efficiency
Elevated debt levels
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.62 suggests the stock is reasonably priced for its growth.
Bull Case : PROV
The strongest argument for PROV centers on Price/Book, Operating Margin. Profitability is solid with margins at 15.4% and operating margin at 21.6%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : PROV
The primary concerns for PROV are Market Cap, Return on Equity, Debt/Equity.
Key Dynamics to Monitor
AIG profiles as a value stock while PROV is a declining play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.54 — expect wider price swings.
AIG is growing revenue faster at 1.4% — sustainability is the question.
AIG generates stronger free cash flow (155M), providing more financial flexibility.
Bottom Line
AIG scores higher overall (72/100 vs 47/100). Both earn "Strong Buy" and "Hold" 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.
Provident Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.
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