American International Group, Inc. (AIG) vs International General Insurance Holdings Ltd. (IGIC)

American International Group, Inc. and International General Insurance Holdings Ltd. are both Insurance Diversified companies. American International Group, Inc. is the larger, with a market value of $42.3B against $1.0B — 41.1× the size. International General Insurance Holdings Ltd. trades at the lower P/E: 10.1× against 13.1×. International General Insurance Holdings Ltd. grew revenue faster over the last twelve months: 1.89% against 1.19%. International General Insurance Holdings Ltd. has the higher net margin (21.6% vs 11.9%) and the higher return on invested capital (7.38% vs 0.00%). Both pay a dividend; American International Group, Inc. yields more (2.35% vs 1.04%). Across the 20 metrics below, International General Insurance Holdings Ltd. leads on 15 and American International Group, Inc. on 5.

Valuation

Metric AIG IGIC Insurance Diversified median
P/E 13.07 10.06 11.57
P/S 1.52 2.17 1.52
P/B 1.09 1.54 1.64
Price to free cash flow 8.13 2.62 6.58
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.65% 9.94% 7.65%
Free cash flow yield 12.30% 38.11% 15.20%

Profitability

Metric AIG IGIC Insurance Diversified median
Gross margin 0.00% 33.27% 53.26%
Operating margin 0.00% 11.87% 19.02%
Net margin 11.87% 21.60% 15.94%
Free cash flow margin 18.75% 0.00% 6.29%
Return on equity 8.22% 15.11% 12.08%
Return on assets 2.02% 4.82% 5.31%
Return on invested capital 0.00% 7.38% 9.01%

Growth

Metric AIG IGIC Insurance Diversified median
Revenue growth (TTM) 1.19% 1.89% 1.89%
EPS growth (last fiscal year) 350.23% (3.02%) 28.70%
Revenue growth, 5-year CAGR (9.35%) 9.86% 8.63%
Net income growth, 5-year CAGR 0.00% 37.72% 10.84%

Health

Metric AIG IGIC Insurance Diversified median
Debt to equity 0.00 0.00 0.17
Current ratio 0.51 0.65 0.47
Net debt to EBITDA 1.24 (2.64) 0.17

Dividend

Metric AIG IGIC Insurance Diversified median
Dividend yield 2.35% 1.04% 1.96%
Payout ratio 0.31 0.10 0.15

Size

Metric AIG IGIC Insurance Diversified median
Market cap 42.32b 1.03b 12.81b

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