American International Group Inc (AIG)vsWhite Mountains Insurance Group Ltd (WTM)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
WTM
White Mountains Insurance Group Ltd
$2,053.15
-1.08%
FINANCIAL SERVICES · Cap: $4.89B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 798% more annual revenue ($26.74B vs $2.98B). WTM leads profitability with a 37.7% profit margin vs 11.1%. AIG appears more attractively valued with a PEG of 0.57. WTM earns a higher WallStSmart Score of 92/100 (A+).
AIG
Buy64
out of 100
Grade: C+
WTM
Exceptional Buy92
out of 100
Grade: A+
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 1.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 36.4%
Earnings expanding 68.8% YoY
Conservative balance sheet, low leverage
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Grey zone — moderate risk
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.7% and operating margin at 36.4%. Revenue growth of 22.5% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : WTM
The primary concerns for WTM are Altman Z-Score, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
AIG profiles as a value stock while WTM is a growth play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.51 — expect wider price swings.
WTM is growing revenue faster at 22.5% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
WTM scores higher overall (92/100 vs 64/100), backed by strong 37.7% margins and 22.5% revenue growth. Both earn "Exceptional 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.
White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
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