Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
AIG returned to profitability in FY2025, posting net income of $3.10B versus a prior-year loss of $1.40B, driven by disciplined cost reduction and strong operating cash flow, even as revenue dipped 1.7% to $26.78B.
Revenue
$26.77B
-1.75% YoY
EPS (Diluted)
$5.43
+350.23% YoY
Source: SEC XBRL
American International Group (AIG) reported FY2025 revenue of $26.77B, down 1.7% year over year. Operating cash flow was $3.31B, up 1.3% year over year.
Last 4 quarters: 4 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 2.00 | 1.94 | Beat +2.9% |
| Mar 2026 | 2.11 | 1.92 | Beat +10.1% |
| Dec 2025This filing | 1.96 | 1.92 | Beat +2.1% |
| Sep 2025 | 2.20 | 1.73 | Beat +27.3% |
Reported EPS of $1.96 versus the $1.92 analyst consensus — a +2.1% beat for Dec 2025.
Compiled by AI from this SEC filing
Total revenue fell 1.7% year-over-year to $26.78B from $27.25B, suggesting AIG continued to rationalize its business mix, likely reflecting divestitures or reduced premiums in non-core segments.
Source: 10-K Income Statement (XBRL Financial Data)
Net income surged to $3.10B in FY2025 from a loss of $1.40B in the prior year, a $4.50B improvement, indicating significant reduction in losses, reserve charges, or one-time items that weighed on the prior period.
Source: 10-K Income Statement (XBRL Financial Data)
Selling, general and administrative expenses declined 8.6% to $5.05B from $5.53B, reflecting AIG's ongoing efficiency initiatives and headcount or operational cost management.
Source: 10-K Income Statement (XBRL Financial Data)
AIG returned $5.84B through share buybacks in FY2025, and total financing cash outflows reached $6.54B, underscoring management's commitment to returning capital even as buyback pace moderated 12.3% from the prior year's $6.65B.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
Total assets were essentially flat at $161.25B while total liabilities rose 1.1% to $120.09B, compressing stockholders' equity by 3.3% to $41.14B, a trend investors should monitor given the elevated debt-to-equity ratio of 2.92x.
Source: 10-K Balance Sheet (XBRL Financial Data)
Compiled by AI from this SEC filing · 2 high, 3 medium, 0 low
AIG's debt-to-equity ratio stands at 2.92x, with long-term debt of $9.19B rising 3.0% year-over-year. This elevated leverage increases interest expense burden and limits financial flexibility, particularly in a higher-for-longer interest rate environment.
Source: 10-K Balance Sheet (XBRL Financial Data)
Stockholders' equity fell 3.3% to $41.14B, partly driven by aggressive share repurchases of $5.84B. Continued buybacks funded by debt or operating cash flow could further erode the equity base and weaken the balance sheet over time.
Source: 10-K Balance Sheet & Cash Flow Statement (XBRL Financial Data)
Revenue declined 1.7% to $26.78B, and if this trend reflects structural premium pressure or continued business divestitures rather than a one-time event, AIG may face sustained top-line headwinds that could pressure future earnings.
Source: 10-K Income Statement (XBRL Financial Data)
The $3.10B net income in FY2025 represents a sharp reversal from the prior-year loss of $1.40B, but without detailed MD&A, it is unclear how much of the improvement stems from recurring operations versus non-recurring items such as reserve releases or asset sales. Investors should scrutinize the quality of earnings.
Source: 10-K Income Statement (XBRL Financial Data)
As a major global insurer, AIG remains exposed to large catastrophe events, adverse loss development, and reserve inadequacy, which can cause sudden and material swings in profitability as evidenced by the prior-year net loss of $1.40B.
Source: 10-K Financial Data (XBRL); General Insurance Industry Risk Context
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $B | 26.78 $B | 27.25 $B | -1.75% |
Net Income $B | 3.10 $B | -1.40 $B | +320.51% |
EPS (Basic) $ | 5.48 $ | -2.19 $ | +350.23% |
EPS (Diluted) $ | 5.43 $ | -2.17 $ | +350.23% |
SG&A Expense $B | 5.05 $B | 5.53 $B | -8.61% |
Answers draw on this SEC filing and the data on this page
AIG reported flat revenue and a 10.5% decline in EPS, but operating cash flow jumped 40.1%, reflecting strong cash conversion.
AIG reported Q1 2026 revenue of $6.65B (down 2.0% YoY) while EPS surged 21.6% to $1.41 diluted, driven by improved profitability and a significant swing to positive operating cash flow of $155M from -$56M a year ago.
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