American International Group Inc (AIG)vsFirst Merchants Corporation (FRME)
AIG
American International Group Inc
$81.44
+1.95%
FINANCIAL SERVICES · Cap: $41.61B
FRME
First Merchants Corporation
$40.66
-0.66%
FINANCIAL SERVICES · Cap: $2.55B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 3855% more annual revenue ($26.74B vs $676.12M). FRME leads profitability with a 29.2% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.68. FRME earns a higher WallStSmart Score of 78/100 (B+).
AIG
Buy61
out of 100
Grade: C+
FRME
Strong Buy78
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
Reasonable price relative to book value
Strong operational efficiency at 45.0%
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 21.0% 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
ROE of 7.4% — below average capital efficiency
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 0.68 suggests the stock is reasonably priced for its growth.
Bull Case : FRME
The strongest argument for FRME centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.2% and operating margin at 45.0%. Revenue growth of 21.0% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : FRME
The primary concerns for FRME are Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while FRME is a growth play — different risk/reward profiles.
FRME carries more volatility with a beta of 0.88 — expect wider price swings.
FRME is growing revenue faster at 21.0% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
FRME scores higher overall (78/100 vs 61/100), backed by strong 29.2% margins and 21.0% 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.
First Merchants Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Merchants Corporation is the financial holding company for First Merchants Bank providing community banking services. The company is headquartered in Muncie, Indiana.
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