American International Group, Inc. (AIG) vs Pelagos Insurance Capital Limited (PLGO)

American International Group, Inc. and Pelagos Insurance Capital Limited are both Insurance Diversified companies. American International Group, Inc. is the larger, with a market value of $39.1B against $2.0B — 19.7× the size. Pelagos Insurance Capital Limited trades at the lower P/E: 5.8× against 13.5×. Pelagos Insurance Capital Limited grew revenue faster over the last twelve months: −3.61% against −4.19%. Pelagos Insurance Capital Limited has the higher net margin (15.9% vs 11.1%) and the higher return on invested capital (13.4% vs 4.45%). Across the 22 metrics below, Pelagos Insurance Capital Limited leads on 19 and American International Group, Inc. on 3.

Valuation

Metric AIG PLGO Insurance Diversified median
P/E 13.46 5.85 11.30
P/S 1.47 0.81 1.47
P/B 0.97 0.92 1.45
Price to free cash flow 10.20 3.23 5.78
EV/EBITDA 6.51 4.43 6.62
EV/Sales 1.82 0.89 1.82
Earnings yield 7.43% 17.10% 7.87%
Free cash flow yield 9.80% 30.97% 17.30%

Profitability

Metric AIG PLGO Insurance Diversified median
Gross margin 28.38% 25.19% 53.26%
Operating margin 14.83% 20.68% 18.04%
Net margin 11.13% 15.94% 15.94%
Free cash flow margin 14.45% 25.07% 20.02%
Return on equity 7.22% 17.64% 12.08%
Return on assets 1.80% 2.97% 5.06%
Return on invested capital 4.45% 13.40% 9.01%

Growth

Metric AIG PLGO Insurance Diversified median
Revenue growth (TTM) (4.19%) (3.61%) (1.11%)
EPS growth (last fiscal year) 350.23% 115.31% —
Revenue growth, 5-year CAGR (9.35%) 26.60% 8.63%
Net income growth, 5-year CAGR 0.00% 12.17% 10.84%

Health

Metric AIG PLGO Insurance Diversified median
Debt to equity 0.26 0.32 0.22
Current ratio 0.51 0.65 0.48
Net debt to EBITDA 1.24 (1.33) 0.17

Dividend

Metric AIG PLGO Insurance Diversified median
Dividend yield 2.08% — 2.08%
Payout ratio 0.20 — 0.02

Size

Metric AIG PLGO Insurance Diversified median
Market cap 39.12b 1.99b 13.12b

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