What is American International Group, Inc. (AIG) DCF Fair Value and Intrinsic Value in 2026?

American International Group, Inc. (AIG) intrinsic value is calculated using conservative multi-stage Discounted Cash Flow (DCF) models, 5-year free cash flow trajectories, Graham Numbers, and owner earnings multiples. LocalAlpha tracks real-time margin of safety against live market prices.

What is American International Group, Inc.'s historical Return on Invested Capital (ROIC) and Moat Rating?

American International Group, Inc. operates in the Financials sector (Insurance - Diversified) with an economic moat rating of NONE. LocalAlpha tracks 5-year audited quarterly ROIC, operating margin stability, and balance sheet solvency ratios.

What is American International Group, Inc.'s financial health rating and Piotroski F-Score?

American International Group, Inc.'s balance sheet quality is evaluated using the 9-point Piotroski F-Score, Altman Z-Score solvency model, debt-to-equity ratio, and quick/current liquidity coverage to guard against financial distress.

How does LocalAlpha monitor American International Group, Inc. (AIG) for quarterly SEC filing thesis breaks?

LocalAlpha audits American International Group, Inc.'s 10-K, 10-Q, and 8-K regulatory filings on SEC EDGAR within 15 minutes of release. If reported metrics breach an investor's custom ROIC floor, operating margin boundary, or qualitative risk criteria, an autonomous breach audit is dispatched immediately.

StocksAIG

AIG

American International Group, IFinancial Services / Insurance - DiversifiedINTACT

American International Group, Inc. provides insurance products for commercial, institutional, and individual customers in North America and internationally. It operates through three segments: North America Commercial, International Commercial, and Global Personal. The company offers commercial and industrial property insurance, including business interruption and package insurance that cover exposure to made and natural disasters; general liability, environmental, commercial automobile liability, workers' compensation, excess casualty, and crisis management insurance products; risk-sharing and other customized structured programs for large corporate and multinational customers; professional liability insurance; and marine, energy-related property insurance products, aviation, political risk, trade credit, and trade finance products. It also provides group personal accident and business travel products for employees, associations, and other organizations; voluntary and sponsor-paid personal accident and supplemental health products for individuals; and personal auto and homeowners in selected markets, comprehensive extended warranty, device protection insurance, home warranty and related services, and insurance for high net-worth individuals. In addition, the company offers mortgage and other loans receivable, such as commercial mortgages, life insurance policy loans, commercial loans, and other loans and notes receivable. American International Group, Inc. was founded in 1919 and is headquartered in New York, New York.

Share Price

$74.99

52W: $71.25 - $87.29

DCF Fair Value

$324.79

+76.9% MoS

Thesis Hub

P/E (TTM)

13.7x

ROIC

14.6%

Operating Margin

19.4%

FCF Yield

18.8%

Debt / Equity

0.22x

Piotroski Score

7/9

Altman Z-Score

4.66

Market Cap

$39.2B

Price vs. Intrinsic Value Corridor

Margin of Safety Buy Zone (<25% Discount)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)

—()

Period Range

$— - $—

DCF Fair Value

$324.79

MOS Buy Target (-25%)

$243.59

Valuation Overlays: DCF Fair Value ($324.79) 25% MOS Buy Target ($243.59) Revised Graham ($116.04) Graham Number ($97.68)

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price

$74.99

DCF Fair Value

$324.34

+76.9% MoS

Starting Free Cash Flow ($M)$7,365M

$100M$7,365M (Reported)$50,000M

Stage 1 Growth (Years 1-5)9.7%

-5%10% (Target)35%

Stage 2 Growth (Years 6-10)4.5%

0%5%20%

Discount Rate (WACC / Hurdle)9.0%

6%9% (Standard)15% (High Risk)

Terminal Perpetual Growth2.5%

1% (GDP Floor)2.5% (Inflation)4.0%

Net Debt ($M)-$1,400M (Net Cash)

-$100B CashBalance Sheet+$150B Debt

10-Yr PV of Cash Flows

$71.1B

PV of Terminal Value

$97.1B

Implied Enterprise Value

$168.2B

Implied Equity Value

$169.6B

Year	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5	Yr 6	Yr 7	Yr 8	Yr 9	Yr 10
Projected FCF ($M)	$8,079	$8,863	$9,723	$10,666	$11,701	$12,227	$12,777	$13,352	$13,953	$14,581
Present Value (PV)	$7,412	$7,460	$7,508	$7,556	$7,605	$7,291	$6,990	$6,701	$6,424	$6,159

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number+23.2% MoS

$97.68

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $5.48BVPS: $77.39

Revised Graham Formula+35.4% MoS

$116.04

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Growth Rate (g%)

Bond Yield (Y%)

Buffett Owner Earnings17.8% Yield

$13.38 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $7.0BYield: 17.8%

Reverse DCF: Market Growth Expectation

EXTREMELY LOW BARRIER

-12.6% CAGR (Next 10 Yrs)

At the current price of $74.99, the market is assuming the business will compound Free Cash Flow at -12.6% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict

✓ Low market hurdle: Easy for a wide-moat compounder to beat.

Autonomous Thesis Underwriting

Surveil AIG with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for American International Group, I. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 19.4% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

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Frequently Asked Questions: American International Group, I (AIG) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for American International Group, I.

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, American International Group, I has an estimated DCF intrinsic fair value of $324.79 per share compared to its current market price of $74.99. This represents an estimated 76.9% margin of safety (trading below fair value). Additionally, its classic Benjamin Graham Number stands at $97.68.