American International Group Inc (AIG)vsHomeTrust Bancshares, Inc. (HTB)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
HTB
HomeTrust Bancshares, Inc.
$45.67
+0.26%
FINANCIAL SERVICES · Cap: $768.41M
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 12535% more annual revenue ($26.61B vs $210.61M). HTB leads profitability with a 31.6% profit margin vs 11.6%. HTB trades at a lower P/E of 11.8x. HTB earns a higher WallStSmart Score of 62/100 (C+).
AIG
Buy60
out of 100
Grade: C
HTB
Buy62
out of 100
Grade: C+
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
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 40.5%
Conservative balance sheet, low leverage
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
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 0.86 suggests the stock is reasonably priced for its growth.
Bull Case : HTB
The strongest argument for HTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.6% and operating margin at 40.5%.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : HTB
The primary concerns for HTB are Market Cap, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
AIG profiles as a declining stock while HTB is a mature play — different risk/reward profiles.
HTB carries more volatility with a beta of 0.86 — expect wider price swings.
HTB is growing revenue faster at 9.3% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
HTB scores higher overall (62/100 vs 60/100), backed by strong 31.6% margins. Both earn "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.
HomeTrust Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. The company is headquartered in Asheville, North Carolina.
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