American International Group Inc (AIG)vsFirst Bancorp (FBP)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
FBP
First Bancorp
$23.84
-1.41%
FINANCIAL SERVICES · Cap: $3.69B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 2752% more annual revenue ($26.61B vs $932.90M). FBP leads profitability with a 38.2% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. FBP earns a higher WallStSmart Score of 71/100 (B).
AIG
Buy60
out of 100
Grade: C
FBP
Strong Buy71
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
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 47.8%
Reasonable price relative to book value
Earnings expanding 21.3% YoY
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull 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 : FBP
The strongest argument for FBP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 38.2% and operating margin at 47.8%.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : FBP
The primary concerns for FBP are PEG Ratio.
Key Dynamics to Monitor
AIG profiles as a declining stock while FBP is a mature play — different risk/reward profiles.
FBP carries more volatility with a beta of 0.83 — expect wider price swings.
FBP is growing revenue faster at 8.1% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
FBP scores higher overall (71/100 vs 60/100), backed by strong 38.2% 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.
First Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First BanCorp. The company is headquartered in Santurce, Puerto Rico.
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