American International Group Inc (AIG)vsUnitedHealth Group Incorporated (UNH)
AIG
American International Group Inc
$75.47
+1.52%
FINANCIAL SERVICES · Cap: $40.11B
UNH
UnitedHealth Group Incorporated
$270.55
-0.92%
HEALTHCARE · Cap: $245.57B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 1582% more annual revenue ($447.57B vs $26.61B). AIG leads profitability with a 11.6% profit margin vs 2.7%. 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
UNH
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-112.5%
Fair Value
$36.92
Current Price
$75.47
$38.55 premium
Margin of Safety
-197.5%
Fair Value
$89.96
Current Price
$270.55
$180.59 premium
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
Mega-cap, among the largest globally
Strong operational efficiency at 34.0%
Growing faster than its price suggests
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
2.7% margin — thin
Earnings declined 99.9%
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 : UNH
The strongest argument for UNH centers on Market Cap, Operating Margin, PEG Ratio. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.98 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 : UNH
The primary concerns for UNH are Profit Margin, EPS Growth. Thin 2.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
AIG profiles as a declining stock while UNH is a value play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.58 — expect wider price swings.
UNH is growing revenue faster at 12.3% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
AIG scores higher overall (60/100 vs 59/100). 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.
UnitedHealth Group Incorporated
HEALTHCARE · HEALTHCARE PLANS · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.
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