American International Group Inc (AIG)vsOFG Bancorp (OFG)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
OFG
OFG Bancorp
$45.96
+2.36%
FINANCIAL SERVICES · Cap: $1.94B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 4094% more annual revenue ($26.61B vs $634.53M). OFG leads profitability with a 33.6% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. OFG earns a higher WallStSmart Score of 78/100 (B+).
AIG
Buy60
out of 100
Grade: C
OFG
Strong Buy78
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 42.0%
Growing faster than its price suggests
Earnings expanding 26.0% YoY
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Smaller company, higher risk/reward
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 0.86 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 42.0%. PEG of 0.92 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : OFG
The primary concerns for OFG are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a declining stock while OFG is a mature play — different risk/reward profiles.
OFG carries more volatility with a beta of 0.69 — expect wider price swings.
OFG is growing revenue faster at 6.9% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
OFG scores higher overall (78/100 vs 60/100), backed by strong 33.6% margins. 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.
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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