WallStSmart

American International Group Inc (AIG)vsMarsh & McLennan Companies, Inc. (MRSH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies, Inc. generates 3% more annual revenue ($27.52B vs $26.61B). MRSH leads profitability with a 14.3% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. AIG earns a higher WallStSmart Score of 60/100 (C).

AIG

Buy

60

out of 100

Grade: C

Growth: 2.0Profit: 5.0Value: 7.0Quality: 7.0
Piotroski: 5/9Altman Z: 0.88

MRSH

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 7.5Value: 5.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIG4 strengths · Avg: 8.8/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
13.7x8/10

Attractively priced relative to earnings

MRSH3 strengths · Avg: 8.7/10
Market CapQuality
$82.30B9/10

Large-cap with strong market position

Return on EquityProfitability
27.6%9/10

Every $100 of equity generates 28 in profit

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

Areas to Watch

AIG4 concerns · Avg: 2.3/10
Return on EquityProfitability
7.4%3/10

ROE of 7.4% — below average capital efficiency

Revenue GrowthGrowth
-7.2%2/10

Revenue declined 7.2%

EPS GrowthGrowth
-5.6%2/10

Earnings declined 5.6%

Altman Z-ScoreHealth
0.882/10

Distress zone — elevated risk

MRSH3 concerns · Avg: 2.7/10
PEG RatioValuation
1.674/10

Expensive relative to growth rate

EPS GrowthGrowth
-15.4%2/10

Earnings declined 15.4%

Free Cash FlowQuality
$-750.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : MRSH

The strongest argument for MRSH centers on Market Cap, Return on Equity, Operating Margin.

Bear Case : AIG

The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.

Bear Case : MRSH

The primary concerns for MRSH are PEG Ratio, EPS Growth, Free Cash Flow.

Key Dynamics to Monitor

AIG profiles as a declining stock while MRSH is a value play — different risk/reward profiles.

MRSH carries more volatility with a beta of 0.75 — expect wider price swings.

MRSH is growing revenue faster at 7.6% — sustainability is the question.

AIG generates stronger free cash flow (636M), providing more financial flexibility.

Bottom Line

AIG scores higher overall (60/100 vs 58/100). 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.

Marsh & McLennan Companies, Inc.

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh & McLennan Companies, Inc., a professional services company, provides advisory services and insurance solutions to clients in the areas of risk, strategy, and people globally. The company is headquartered in New York, New York.

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