American International Group Inc (AIG)vsRenaissancere Holdings Ltd (RNR)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
RNR
Renaissancere Holdings Ltd
$324.99
-0.47%
FINANCIAL SERVICES · Cap: $13.43B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 139% more annual revenue ($26.74B vs $11.17B). RNR leads profitability with a 23.6% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. RNR earns a higher WallStSmart Score of 65/100 (B-).
AIG
Buy64
out of 100
Grade: C+
RNR
Strong Buy65
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.7%
Every $100 of equity generates 22 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Grey zone — moderate risk
Expensive relative to growth rate
Revenue declined 13.2%
Earnings declined 10.0%
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 : RNR
The strongest argument for RNR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 23.6% and operating margin at 41.7%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : RNR
The primary concerns for RNR are Altman Z-Score, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
AIG profiles as a value stock while RNR is a declining play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.51 — expect wider price swings.
AIG is growing revenue faster at 0.5% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
RNR scores higher overall (65/100 vs 64/100), backed by strong 23.6% margins. 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.
Renaissancere Holdings Ltd
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
RenaissanceRe Holdings Ltd. provides insurance and reinsurance products in the United States and internationally. The company is headquartered in Pembroke, Bermuda.
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