American International Group Inc (AIG)vsLincoln National Corporation (LNC)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
LNC
Lincoln National Corporation
$43.84
+0.64%
FINANCIAL SERVICES · Cap: $8.29B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 38% more annual revenue ($26.74B vs $19.39B). LNC leads profitability with a 12.2% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. LNC earns a higher WallStSmart Score of 78/100 (B+).
AIG
Buy64
out of 100
Grade: C+
LNC
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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 76.8% YoY
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Operating margin of 4.6%
Weak financial health signals
Negative free cash flow — burning cash
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 : LNC
The strongest argument for LNC centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 12.6% demonstrates continued momentum. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : LNC
The primary concerns for LNC are Operating Margin, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
LNC carries more volatility with a beta of 1.11 — expect wider price swings.
LNC is growing revenue faster at 12.6% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
LNC scores higher overall (78/100 vs 64/100) and 12.6% 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.
Lincoln National Corporation
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Lincoln National Corporation is an American holding company, which operates multiple insurance and investment management businesses through subsidiary companies. Lincoln Financial Group is the marketing name for LNC and its subsidiary companies.
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