American International Group Inc (AIG)vsING Group NV ADR (ING)
AIG
American International Group Inc
$76.28
+1.26%
FINANCIAL SERVICES · Cap: $39.85B
ING
ING Group NV ADR
$36.97
-0.82%
FINANCIAL SERVICES · Cap: $104.52B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 6% more annual revenue ($26.74B vs $25.21B). ING leads profitability with a 34.5% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. ING earns a higher WallStSmart Score of 68/100 (B-).
AIG
Buy64
out of 100
Grade: C+
ING
Strong Buy68
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 35 of every $100 in revenue as profit
Strong operational efficiency at 49.1%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 22.1% YoY
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Expensive relative to growth rate
Weak financial health signals
Elevated debt levels
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 : ING
The strongest argument for ING centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 34.5% and operating margin at 49.1%. Revenue growth of 11.1% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : ING
The primary concerns for ING are PEG Ratio, Piotroski F-Score, Debt/Equity. Debt-to-equity of 3.68 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a value stock while ING is a mature play — different risk/reward profiles.
ING carries more volatility with a beta of 0.90 — expect wider price swings.
ING is growing revenue faster at 11.1% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ING scores higher overall (68/100 vs 64/100), backed by strong 34.5% margins and 11.1% 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.
ING Group NV ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
ING Groep NV, a financial institution, offers various banking products and services to individuals, small and medium-sized businesses and medium-sized businesses. The company is headquartered in Amsterdam, the Netherlands.
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