American International Group Inc (AIG)vsThe Baldwin Insurance Group, Inc. (BWIN)
AIG
American International Group Inc
$76.28
+1.26%
FINANCIAL SERVICES · Cap: $39.85B
BWIN
The Baldwin Insurance Group, Inc.
$29.65
+0.88%
FINANCIAL SERVICES · Cap: $2.88B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1439% more annual revenue ($26.74B vs $1.74B). AIG leads profitability with a 11.1% profit margin vs -4.7%. AIG earns a higher WallStSmart Score of 64/100 (C+).
AIG
Buy64
out of 100
Grade: C+
BWIN
Hold39
out of 100
Grade: F
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
Revenue surging 30.1% year-over-year
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Operating margin of 2.0%
Weak financial health signals
ROE of -4.7% — below average capital efficiency
Earnings declined 90.0%
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 : BWIN
The strongest argument for BWIN centers on Revenue Growth. Revenue growth of 30.1% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : BWIN
The primary concerns for BWIN are Operating Margin, Piotroski F-Score, Return on Equity. Debt-to-equity of 3.04 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a value stock while BWIN is a hypergrowth play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.03 — expect wider price swings.
BWIN is growing revenue faster at 30.1% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
AIG scores higher overall (64/100 vs 39/100). Both earn "Buy" and "Hold" 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.
The Baldwin Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE BROKERS · USA
The Baldwin Insurance Group, Inc. is an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. The company is headquartered in Tampa, Florida.
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