American International Group Inc (AIG)vsWhite Mountains Insurance Group Ltd (WTM)
AIG
American International Group Inc
$74.80
+1.37%
FINANCIAL SERVICES · Cap: $39.67B
WTM
White Mountains Insurance Group Ltd
$2,206.00
-2.55%
FINANCIAL SERVICES · Cap: $5.46B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 612% more annual revenue ($26.61B vs $3.73B). WTM leads profitability with a 29.6% profit margin vs 11.6%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 82/100 (A-).
AIG
Buy60
out of 100
Grade: C
WTM
Exceptional Buy82
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 64.3%
Revenue surging 348.0% year-over-year
Every $100 of equity generates 21 in profit
Keeps 30 of every $100 in revenue as profit
Areas to Watch
ROE of 7.4% — below average capital efficiency
Revenue declined 7.2%
Earnings declined 5.6%
Distress zone — elevated risk
Grey zone — moderate risk
Weak financial health signals
Earnings declined 36.6%
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 : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 64.3%. Revenue growth of 348.0% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : WTM
The primary concerns for WTM are Altman Z-Score, Piotroski F-Score, EPS Growth.
Key Dynamics to Monitor
AIG profiles as a declining stock while WTM is a growth play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.60 — expect wider price swings.
WTM is growing revenue faster at 348.0% — sustainability is the question.
AIG generates stronger free cash flow (636M), providing more financial flexibility.
Bottom Line
WTM scores higher overall (82/100 vs 60/100), backed by strong 29.6% margins and 348.0% 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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