American International Group Inc (AIG)vsRLI Corp (RLI)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
RLI
RLI Corp
$51.15
-1.90%
FINANCIAL SERVICES · Cap: $4.86B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1302% more annual revenue ($26.61B vs $1.90B). RLI leads profitability with a 20.8% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. RLI earns a higher WallStSmart Score of 61/100 (C+).
AIG
Buy60
out of 100
Grade: C
RLI
Buy61
out of 100
Grade: C+
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
Conservative balance sheet, low leverage
Every $100 of equity generates 23 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Expensive relative to growth rate
4.0% revenue growth
Earnings declined 12.4%
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 : RLI
The strongest argument for RLI centers on Debt/Equity, Return on Equity, Profit Margin. Profitability is solid with margins at 20.8% and operating margin at 15.9%.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
AIG profiles as a declining stock while RLI is a value play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.60 — expect wider price swings.
RLI is growing revenue faster at 4.0% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
RLI scores higher overall (61/100 vs 60/100), backed by strong 20.8% margins. Both earn "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.
RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
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