American International Group Inc (AIG)vsCullen/Frost Bankers Inc (CFR)
AIG
American International Group Inc
$76.28
+1.26%
FINANCIAL SERVICES · Cap: $39.85B
CFR
Cullen/Frost Bankers Inc
$162.92
+0.16%
FINANCIAL SERVICES · Cap: $10.17B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1081% more annual revenue ($26.74B vs $2.26B). CFR leads profitability with a 30.2% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. CFR earns a higher WallStSmart Score of 66/100 (B-).
AIG
Buy64
out of 100
Grade: C+
CFR
Strong Buy66
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
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 37.2%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Negative free cash flow — burning cash
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 : CFR
The strongest argument for CFR centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 30.2% and operating margin at 37.2%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : CFR
The primary concerns for CFR are Debt/Equity, PEG Ratio, Free Cash Flow.
Key Dynamics to Monitor
AIG profiles as a value stock while CFR is a mature play — different risk/reward profiles.
CFR carries more volatility with a beta of 0.51 — expect wider price swings.
CFR is growing revenue faster at 6.1% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
CFR scores higher overall (66/100 vs 64/100), backed by strong 30.2% 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.
Cullen/Frost Bankers Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Cullen / Frost Bankers, Inc. is the banking holding company for Frost Bank offering commercial and consumer banking services in Texas. The company is headquartered in San Antonio, Texas.
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