American International Group Inc (AIG)vs360 Finance Inc (QFIN)
AIG
American International Group Inc
$73.42
+0.56%
FINANCIAL SERVICES · Cap: $40.16B
QFIN
360 Finance Inc
$14.53
-4.97%
FINANCIAL SERVICES · Cap: $1.96B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 45% more annual revenue ($26.70B vs $18.42B). QFIN leads profitability with a 27.5% profit margin vs 11.8%. QFIN trades at a lower P/E of 2.8x. AIG earns a higher WallStSmart Score of 72/100 (B).
AIG
Strong Buy72
out of 100
Grade: B
QFIN
Buy62
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
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Every $100 of equity generates 21 in profit
Keeps 28 of every $100 in revenue as profit
Strong operational efficiency at 27.5%
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 16.7%
Earnings declined 43.3%
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 : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 27.5% and operating margin at 27.5%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
AIG profiles as a value stock while QFIN is a declining play — different risk/reward profiles.
QFIN carries more volatility with a beta of 0.54 — expect wider price swings.
AIG is growing revenue faster at 1.4% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AIG scores higher overall (72/100 vs 62/100). 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.
360 Finance Inc
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
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