American International Group Inc (AIG)vsBRC Group Holdings, Inc. (RILYL)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
RILYL
BRC Group Holdings, Inc.
$13.09
+0.69%
FINANCIAL SERVICES · Cap: $536.57M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 2408% more annual revenue ($26.74B vs $1.07B). RILYL leads profitability with a 38.6% profit margin vs 11.1%. RILYL trades at a lower P/E of 2.2x. AIG earns a higher WallStSmart Score of 64/100 (C+).
AIG
Buy64
out of 100
Grade: C+
RILYL
Avoid30
out of 100
Grade: F
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
Every $100 of equity generates 277 in profit
Keeps 39 of every $100 in revenue as profit
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 90.0%
Distress zone — elevated risk
Elevated debt levels
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 : RILYL
The strongest argument for RILYL centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 38.6% and operating margin at 11.8%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : RILYL
The primary concerns for RILYL are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 9.31 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a value stock while RILYL is a mature play — different risk/reward profiles.
RILYL carries more volatility with a beta of 1.22 — expect wider price swings.
RILYL is growing revenue faster at 10.4% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
AIG scores higher overall (64/100 vs 30/100). Both earn "Buy" and "Avoid" 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.
BRC Group Holdings, Inc.
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
B. Riley Financial, Inc. provides collaborative financial services and solutions in North America, Australia and Europe. The company is headquartered in Los Angeles, California.
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