American International Group, Inc. (AIG) vs Waterdrop Inc. Unsponsored ADR (WDH)

American International Group, Inc. and Waterdrop Inc. Unsponsored ADR are both Insurance Diversified companies. American International Group, Inc. is the larger, with a market value of $41.4B against $283.5M — 145.9× the size. Waterdrop Inc. Unsponsored ADR trades at the lower P/E: 4.8× against 14.7×. Waterdrop Inc. Unsponsored ADR grew revenue faster over the last twelve months: 80.9% against −4.19%. American International Group, Inc. has the higher net margin (11.1% vs 10.8%) and the lower return on invested capital (4.45% vs 6.46%). Both pay a dividend; Waterdrop Inc. Unsponsored ADR yields more (5.94% vs 2.35%). Across the 20 metrics below, Waterdrop Inc. Unsponsored ADR leads on 16 and American International Group, Inc. on 4.

Valuation

Metric AIG WDH Insurance Diversified median
P/E 14.66 4.81 11.63
P/S 1.61 0.49 1.61
P/B 1.05 0.46 1.53
Price to free cash flow 11.11 1.61 6.29
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.82% 20.79% 7.48%
Free cash flow yield 9.00% 62.19% 15.90%

Profitability

Metric AIG WDH Insurance Diversified median
Gross margin 28.38% 57.13% 53.26%
Operating margin 14.83% 7.68% 18.04%
Net margin 11.13% 10.75% 15.94%
Free cash flow margin 14.45% 0.00% 20.02%
Return on equity 7.22% 10.75% 12.08%
Return on assets 1.80% 7.69% 5.06%
Return on invested capital 4.45% 6.46% 9.01%

Growth

Metric AIG WDH Insurance Diversified median
Revenue growth (TTM) (4.19%) 80.88% (1.11%)
EPS growth (last fiscal year) 350.23% 70.28% 28.70%
Revenue growth, 5-year CAGR (9.35%) 4.16% 8.63%
Net income growth, 5-year CAGR 0.00% 0.00% 10.84%

Health

Metric AIG WDH Insurance Diversified median
Debt to equity 0.26 0.09 0.22
Current ratio 0.51 2.19 0.48
Net debt to EBITDA 1.24 (4.16) 0.17

Dividend

Metric AIG WDH Insurance Diversified median
Dividend yield 2.35% 5.94% 2.07%
Payout ratio 0.35 0.29 0.16

Size

Metric AIG WDH Insurance Diversified median
Market cap 41.37b 283.50m 12.21b

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