American International Group Inc (AIG)vsTFS Financial Corporation (TFSL)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
TFSL
TFS Financial Corporation
$14.72
-2.39%
FINANCIAL SERVICES · Cap: $4.13B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 8029% more annual revenue ($26.61B vs $327.37M). TFSL leads profitability with a 27.7% profit margin vs 11.6%. AIG appears more attractively valued with a PEG of 0.86. AIG earns a higher WallStSmart Score of 60/100 (C).
AIG
Buy60
out of 100
Grade: C
TFSL
Buy52
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
Strong operational efficiency at 37.5%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
ROE of 4.8% — below average capital efficiency
Expensive relative to growth rate
Premium valuation, high expectations priced in
Earnings declined 0.8%
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 : TFSL
The strongest argument for TFSL centers on Operating Margin, Profit Margin, Price/Book. Profitability is solid with margins at 27.7% and operating margin at 37.5%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : TFSL
The primary concerns for TFSL are Return on Equity, PEG Ratio, P/E Ratio. A P/E of 46.0x leaves little room for execution misses. Debt-to-equity of 2.60 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a declining stock while TFSL is a mature play — different risk/reward profiles.
TFSL carries more volatility with a beta of 0.70 — expect wider price swings.
TFSL is growing revenue faster at 11.0% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
AIG scores higher overall (60/100 vs 52/100). Both earn "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.
TFS Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TFS Financial Corporation, provides retail banking services for consumers in the United States.
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