WallStSmart

American International Group Inc (AIG)vsShell PLC ADR (SHEL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Shell PLC ADR generates 903% more annual revenue ($266.89B vs $26.61B). AIG leads profitability with a 11.6% profit margin vs 6.7%. AIG appears more attractively valued with a PEG of 0.86. AIG earns a higher WallStSmart Score of 60/100 (C).

AIG

Buy

60

out of 100

Grade: C

Growth: 2.0Profit: 5.0Value: 7.3Quality: 7.0
Piotroski: 5/9Altman Z: 0.88

SHEL

Buy

57

out of 100

Grade: C

Growth: 2.7Profit: 5.5Value: 10.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.34
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AIGSignificantly Overvalued (-112.5%)

Margin of Safety

-112.5%

Fair Value

$36.92

Current Price

$75.47

$38.55 premium

UndervaluedFair: $36.92Overvalued
SHELUndervalued (+71.2%)

Margin of Safety

+71.2%

Fair Value

$280.80

Current Price

$91.12

$189.68 discount

UndervaluedFair: $280.80Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG4 strengths · Avg: 8.8/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
13.7x8/10

Attractively priced relative to earnings

SHEL4 strengths · Avg: 8.5/10
Market CapQuality
$254.34B10/10

Mega-cap, among the largest globally

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Price/BookValuation
3.0x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$3.45B8/10

Generating 3.4B in free cash flow

Areas to Watch

AIG4 concerns · Avg: 2.3/10
Return on EquityProfitability
7.4%3/10

ROE of 7.4% — below average capital efficiency

Revenue GrowthGrowth
-7.2%2/10

Revenue declined 7.2%

EPS GrowthGrowth
-5.6%2/10

Earnings declined 5.6%

Altman Z-ScoreHealth
0.882/10

Distress zone — elevated risk

SHEL4 concerns · Avg: 3.3/10
PEG RatioValuation
2.254/10

Expensive relative to growth rate

EPS GrowthGrowth
3.8%4/10

3.8% earnings growth

Profit MarginProfitability
6.7%3/10

6.7% margin — thin

Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

Comparative Analysis Report

WallStSmart Research

Bull 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 : SHEL

The strongest argument for SHEL centers on Market Cap, P/E Ratio, Price/Book.

Bear Case : AIG

The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.

Bear Case : SHEL

The primary concerns for SHEL are PEG Ratio, EPS Growth, Profit Margin.

Key Dynamics to Monitor

AIG profiles as a declining stock while SHEL is a value play — different risk/reward profiles.

AIG carries more volatility with a beta of 0.58 — expect wider price swings.

SHEL is growing revenue faster at -3.3% — sustainability is the question.

SHEL generates stronger free cash flow (3.4B), providing more financial flexibility.

Bottom Line

AIG scores higher overall (60/100 vs 57/100). SHEL offers better value entry with a 71.2% margin of safety. 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.

Shell PLC ADR

ENERGY · OIL & GAS INTEGRATED · USA

Shell plc is a global petrochemical and energy company. The company is headquartered in The Hague, the Netherlands.

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