American International Group Inc (AIG)vsMerchants Bancorp (MBIN)
AIG
American International Group Inc
$73.42
-1.15%
FINANCIAL SERVICES · Cap: $40.16B
MBIN
Merchants Bancorp
$47.51
-0.40%
FINANCIAL SERVICES · Cap: $2.30B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 4461% more annual revenue ($26.70B vs $585.48M). MBIN leads profitability with a 39.0% profit margin vs 11.8%. MBIN trades at a lower P/E of 12.2x. AIG earns a higher WallStSmart Score of 72/100 (B).
AIG
Strong Buy72
out of 100
Grade: B
MBIN
Strong Buy71
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
Earnings expanding 21.6% YoY
Reasonable price relative to book value
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 58.0%
Attractively priced relative to earnings
15.8% revenue growth
Earnings expanding 34.5% YoY
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
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 0.62 suggests the stock is reasonably priced for its growth.
Bull Case : MBIN
The strongest argument for MBIN centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 39.0% and operating margin at 58.0%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : MBIN
The primary concerns for MBIN are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.05 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a value stock while MBIN is a growth play — different risk/reward profiles.
MBIN carries more volatility with a beta of 1.16 — expect wider price swings.
MBIN is growing revenue faster at 15.8% — sustainability is the question.
AIG generates stronger free cash flow (155M), providing more financial flexibility.
Bottom Line
AIG scores higher overall (72/100 vs 71/100). Both earn "Strong Buy" and "Strong 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.
Merchants Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Merchants Bancorp is the diversified bank holding company in the United States. The company is headquartered in Carmel, Indiana.
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