WallStSmart

American International Group Inc (AIG)vsBrown & Brown Inc (BRO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

American International Group Inc generates 301% more annual revenue ($26.74B vs $6.66B). BRO leads profitability with a 18.1% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. BRO earns a higher WallStSmart Score of 75/100 (B).

AIG

Buy

64

out of 100

Grade: C+

Growth: 2.7Profit: 5.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: 0.67

BRO

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.0Quality: 4.5
Piotroski: 2/9Altman Z: 1.15

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG5 strengths · Avg: 8.6/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.578/10

Growing faster than its price suggests

P/E RatioValuation
13.9x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.72B8/10

Generating 1.7B in free cash flow

BRO3 strengths · Avg: 9.3/10
Operating MarginProfitability
41.8%10/10

Strong operational efficiency at 41.8%

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

AIG4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

Return on EquityProfitability
7.3%3/10

ROE of 7.3% — below average capital efficiency

EPS GrowthGrowth
-10.1%2/10

Earnings declined 10.1%

Altman Z-ScoreHealth
0.672/10

Distress zone — elevated risk

BRO3 concerns · Avg: 3.0/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
1.152/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : BRO

The strongest argument for BRO centers on Operating Margin, Revenue Growth, Price/Book. Profitability is solid with margins at 18.1% and operating margin at 41.8%. Revenue growth of 32.4% demonstrates continued momentum.

Bear Case : AIG

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

Bear Case : BRO

The primary concerns for BRO are PEG Ratio, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

AIG profiles as a value stock while BRO is a growth play — different risk/reward profiles.

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

BRO is growing revenue faster at 32.4% — sustainability is the question.

AIG generates stronger free cash flow (1.7B), providing more financial flexibility.

Bottom Line

BRO scores higher overall (75/100 vs 64/100), backed by strong 18.1% margins and 32.4% 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.

Brown & Brown Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Brown & Brown, Inc. markets and sells insurance products and services in the United States, Bermuda, Canada, the Cayman Islands, Ireland, and the United Kingdom. The company is headquartered in Daytona Beach, Florida.

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