American International Group Inc (AIG)vsNelnet Inc (NNI)
AIG
American International Group Inc
$73.42
-1.15%
FINANCIAL SERVICES · Cap: $40.16B
NNI
Nelnet Inc
$129.03
-0.32%
FINANCIAL SERVICES · Cap: $4.68B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1522% more annual revenue ($26.70B vs $1.65B). NNI leads profitability with a 25.3% profit margin vs 11.8%. NNI appears more attractively valued with a PEG of 0.46. AIG earns a higher WallStSmart Score of 72/100 (B).
AIG
Strong Buy72
out of 100
Grade: B
NNI
Buy60
out of 100
Grade: C+
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 25 of every $100 in revenue as profit
Strong operational efficiency at 21.4%
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Revenue declined 7.1%
Earnings declined 12.9%
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 : NNI
The strongest argument for NNI centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 25.3% and operating margin at 21.4%. PEG of 0.46 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : NNI
The primary concerns for NNI are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.06 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a value stock while NNI is a declining play — different risk/reward profiles.
NNI carries more volatility with a beta of 0.79 — expect wider price swings.
AIG is growing revenue faster at 1.4% — sustainability is the question.
AIG generates stronger free cash flow (155M), providing more financial flexibility.
Bottom Line
AIG scores higher overall (72/100 vs 60/100). 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.
Nelnet Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Nelnet, Inc. is engaged in the loan management, communications and educational technology, services and payment processing businesses globally. The company is headquartered in Lincoln, Nebraska.
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