American International Group Inc (AIG)vsING Group NV ADR (ING)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
ING
ING Group NV ADR
$28.93
+4.63%
FINANCIAL SERVICES · Cap: $83.10B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 9% more annual revenue ($26.61B vs $24.46B). ING leads profitability with a 34.0% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. ING earns a higher WallStSmart Score of 79/100 (B+).
AIG
Buy60
out of 100
Grade: C
ING
Strong Buy79
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
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 62.8%
Revenue surging 118.2% year-over-year
Earnings expanding 3978.0% 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
Weak financial health signals
Negative free cash flow — burning cash
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 0.86 suggests the stock is reasonably priced for its growth.
Bull Case : ING
The strongest argument for ING centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.0% and operating margin at 62.8%. Revenue growth of 118.2% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : ING
The primary concerns for ING are PEG Ratio, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 3.41 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a declining stock while ING is a growth play — different risk/reward profiles.
ING carries more volatility with a beta of 0.87 — expect wider price swings.
ING is growing revenue faster at 118.2% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
ING scores higher overall (79/100 vs 60/100), backed by strong 34.0% margins and 118.2% 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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