American International Group Inc (AIG)vsThe Travelers Companies Inc (TRV)
AIG
American International Group Inc
$77.75
-3.93%
FINANCIAL SERVICES · Cap: $41.61B
TRV
The Travelers Companies Inc
$395.20
-1.91%
FINANCIAL SERVICES · Cap: $81.19B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 83% more annual revenue ($48.92B vs $26.74B). TRV leads profitability with a 17.0% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.68. TRV earns a higher WallStSmart Score of 66/100 (B-).
AIG
Buy61
out of 100
Grade: C+
TRV
Strong Buy66
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
Generating 2.7B in free cash flow
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
0.5% revenue growth
ROE of 1.9% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.5%
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 0.68 suggests the stock is reasonably priced for its growth.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while TRV is a declining play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.53 — expect wider price swings.
AIG is growing revenue faster at 0.5% — sustainability is the question.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
TRV scores higher overall (66/100 vs 61/100), backed by strong 17.0% 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.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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