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American International Group, Inc. (AIG)

NYSE: AIG · Fire, Marine & Casualty Insurance · New York, NY · filing with the SEC since 1994
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Grade5.2
◀ Past 7.0● Present 4.5▶ Future 3.3
1 est.
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The grade of American International Group, Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.2/10
◀ Past7.040% of the headline
● Present4.535% of the headline
▶ Future3.325% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.0/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.3/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 73rd percentile among 60 sector filers · read for itself

From the record

American International Group, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
1.1/10

What has it actually done, year after year?

-7.2% a year over 10 filed years; profitable in 5 of 10.

weight 22% of this tense · 11th percentile among 56 sector filers · read for its customers

From the record

American International Group, Inc.'s 10 filed years say what it did: revenue went from $52 billion in fiscal 2016 to $27 billion in fiscal 2025, down 7.2% a year; it rose in 2 of 9 years; the deepest fall was 49% from fiscal 2016 to fiscal 2025; net income was positive in 5 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span-7.2%bottom 10% of its family
  • the share of years revenue rosebottom 1% of its family
  • the share of filed years with a profitbottom 17% of its family
  • the deepest fall from a revenue peak48.9%bottom 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
9.6/10

How has it treated the people who own it?

Share count shrank 10.2% a year. 100% of cash flow returned. Insiders: 3 sales, 3 purchases.

weight 45% of this tense · 96th percentile among 49 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, American International Group, Inc.'s diluted share count shrank about 10.2% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 3 sales (3 under scheduled 10b5-1 plans) and 3 purchases of their own stock on the open market in the year to 2026-11-09, buying about $12 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 3% of its family
  • cash returned against operating cash flowtop 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.5/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
5.7/10

Is it financially healthy right now?

ROE 8%: 8¢ of profit per shareholder dollar. Leverage 74%: owes 74¢ per asset dollar.

weight 45% of this tense · 57th percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, American International Group, Inc. earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 74 cents per dollar of assets, and net share issuance: its share count shrank 13.2% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 46% of its family
  • return on equitybottom 19% of its family
  • the share count against the year beforetop 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.9/10

How strong is its position in its industry?

bottom 49% of 60 in its family; net margin 11.6%.

weight 33% of this tense · 49th percentile among 60 sector filers · read for its customers

From the record

American International Group, Inc.'s standing among 60 graded names in its industry family: revenue of $27 billion in fiscal 2025 ranks in the top 12% by size; a net margin of 11.6% ranks in the bottom 48%; revenue growth of -3.7% a year over the last 3 filed years ranks in the bottom 11% (its annual reports).

What it rests on

  • revenue against the family$26.77Btop 12% of its family
  • net margin11.6%bottom 48% of its family
  • three-year revenue growth-3.7%bottom 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
1.4/10

What are the people in charge doing?

SI estimate 1.4/10, confidence 35 of 100 (one part).

weight 22% of this tense · 14th percentile among 55 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 14% of 55 in its family; the record of its people begins on 2023-12-05 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.9 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read
The record of its people begins on 2023-12-05 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.9 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 55 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: American International Group, Inc.'s leadership is put at 1.4 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 14% of 55 in its family; the record of its people begins on 2023-12-05 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.9 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.3/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
2.8/10

How much room does it have to grow?

bottom 28% of 60 in its family for room to expand.

weight 33% of this tense · 28th percentile among 60 sector filers · read for itself

From the record

American International Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $1.3 billion against debt of $9.2 billion leaves -4.9% of its assets as net cash, bottom 21% of its family; cash from operations less capital spending is 12.4% of revenue (bottom 36%) (its annual report).

What it rests on

  • cash less debt against assets-4.9%bottom 21% of its family
  • cash from operations less capital spending against revenue12.4%bottom 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
3.6/10

What could actually drive growth from here?

bottom 36% of 56 in its family for growth drivers.

weight 33% of this tense · 36th percentile among 56 sector filers · read for its customers

From the record

American International Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -3.7% a year over the last three filed years against -7.2% over all 10, speeding up (top 44% of its family); the newest year grew -1.7% (bottom 15%); capital spending grew -12.1% a year (bottom 35%) (its annual reports). American International Group, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+3.5 points a yeartop 44% of its family
  • the newest year's revenue growth-1.7%bottom 15% of its family
  • three-year growth of capital spending-12.1%bottom 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
3.6/10

Did its newest year beat what its own record pointed to?

bottom 36% of 56 in its family for expectations against reality.

weight 33% of this tense · 36th percentile among 56 sector filers · read for its shareholders

From the record

American International Group, Inc.'s newest year against its own record: revenue of $27 billion in fiscal 2025 came in 3.1% above the $26 billion its prior three years' pace pointed to (top 19% of its family); net income of $3.1 billion against a prior three-year average of $4.2 billion (bottom 12%); a net margin of 11.6% against 14% before (bottom 15%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace3.1%top 19% of its family
  • net income against the prior three years' average-26%bottom 12% of its family
  • net margin against its prior average-2.4 pointsbottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AIG · research, not advice