American International Group Inc (AIG)vsRLI Corp (RLI)
AIG
American International Group Inc
$78.78
-1.49%
FINANCIAL SERVICES · Cap: $41.66B
RLI
RLI Corp
$64.23
-0.23%
FINANCIAL SERVICES · Cap: $5.62B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1252% more annual revenue ($26.70B vs $1.97B). RLI leads profitability with a 22.2% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.65. RLI earns a higher WallStSmart Score of 77/100 (B+).
AIG
Strong Buy69
out of 100
Grade: B-
RLI
Strong Buy77
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
Earnings expanding 21.6% YoY
Strong operational efficiency at 36.9%
Every $100 of equity generates 22 in profit
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
15.2% revenue growth
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
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 0.65 suggests the stock is reasonably priced for its growth.
Bull Case : RLI
The strongest argument for RLI centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 22.2% and operating margin at 36.9%. Revenue growth of 15.2% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while RLI is a growth play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.54 — expect wider price swings.
RLI is growing revenue faster at 15.2% — sustainability is the question.
AIG generates stronger free cash flow (155M), providing more financial flexibility.
Bottom Line
RLI scores higher overall (77/100 vs 69/100), backed by strong 22.2% margins and 15.2% revenue growth. Both earn "Strong Buy" and "Strong 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.
RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
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