American International Group Inc (AIG)vsNu Holdings Ltd (NU)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
NU
Nu Holdings Ltd
$14.48
+3.13%
FINANCIAL SERVICES · Cap: $70.38B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 281% more annual revenue ($26.61B vs $6.99B). NU leads profitability with a 41.0% profit margin vs 11.6%. NU appears more attractively valued with a PEG of 0.85. NU earns a higher WallStSmart Score of 79/100 (B+).
AIG
Buy60
out of 100
Grade: C
NU
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
Every $100 of equity generates 30 in profit
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Revenue surging 43.9% year-over-year
Earnings expanding 60.9% YoY
Large-cap with strong market position
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Distress zone — elevated risk
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 : NU
The strongest argument for NU centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 41.0% and operating margin at 52.1%. Revenue growth of 43.9% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : NU
The primary concerns for NU are Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a declining stock while NU is a growth play — different risk/reward profiles.
NU carries more volatility with a beta of 1.11 — expect wider price swings.
NU is growing revenue faster at 43.9% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
NU scores higher overall (79/100 vs 60/100), backed by strong 41.0% margins and 43.9% 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.
Nu Holdings Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nu Holdings Ltd. operates in the technology industry. The company is headquartered in Grand Cayman, Cayman Islands.
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