American International Group Inc (AIG)vsUMB Financial Corporation (UMBF)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
UMBF
UMB Financial Corporation
$139.49
+0.09%
FINANCIAL SERVICES · Cap: $10.83B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 850% more annual revenue ($26.74B vs $2.81B). UMBF leads profitability with a 33.5% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. UMBF earns a higher WallStSmart Score of 75/100 (B).
AIG
Buy64
out of 100
Grade: C+
UMBF
Strong Buy75
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
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 51.1%
Earnings expanding 26.2% YoY
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
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 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.5% and operating margin at 51.1%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while UMBF is a mature play — different risk/reward profiles.
UMBF carries more volatility with a beta of 0.78 — expect wider price swings.
UMBF is growing revenue faster at 12.2% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
UMBF scores higher overall (75/100 vs 64/100), backed by strong 33.5% margins and 12.2% revenue growth. 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.
UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
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