American International Group Inc (AIG)vsOFG Bancorp (OFG)
AIG
American International Group Inc
$73.42
+0.56%
FINANCIAL SERVICES · Cap: $40.16B
OFG
OFG Bancorp
$46.27
+0.67%
FINANCIAL SERVICES · Cap: $2.03B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 4108% more annual revenue ($26.70B vs $634.53M). OFG leads profitability with a 33.6% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.62. OFG earns a higher WallStSmart Score of 79/100 (B+).
AIG
Strong Buy72
out of 100
Grade: B
OFG
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
Earnings expanding 21.6% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.8%
Growing faster than its price suggests
Earnings expanding 26.0% YoY
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Weak financial health signals
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 0.62 suggests the stock is reasonably priced for its growth.
Bull Case : OFG
The strongest argument for OFG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.6% and operating margin at 43.8%. PEG of 0.92 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 : OFG
The primary concerns for OFG are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while OFG is a mature play — different risk/reward profiles.
OFG carries more volatility with a beta of 0.73 — expect wider price swings.
OFG is growing revenue faster at 6.9% — sustainability is the question.
AIG generates stronger free cash flow (155M), providing more financial flexibility.
Bottom Line
OFG scores higher overall (79/100 vs 72/100), backed by strong 33.6% margins. 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.
OFG Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico.
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