American International Group, Inc. (AIG) vs Exzeo Group, Inc. (XZO)

American International Group, Inc. and Exzeo Group, Inc. are both Insurance Diversified companies. American International Group, Inc. is the larger, with a market value of $39.1B against $1.4B — 27.7× the size. American International Group, Inc. trades at the lower P/E: 13.5× against 15.5×. Exzeo Group, Inc. has the higher net margin (39.5% vs 11.1%) and the higher return on invested capital (44.4% vs 4.45%). Across the 19 metrics below, Exzeo Group, Inc. leads on 10 and American International Group, Inc. on 9.

Valuation

Metric AIG XZO Insurance Diversified median
P/E 13.46 15.52 11.30
P/S 1.47 6.05 1.47
P/B 0.97 4.66 1.45
Price to free cash flow 10.20 16.46 5.78
EV/EBITDA 6.51 10.90 6.62
EV/Sales 1.82 5.43 1.82
Earnings yield 7.43% 6.44% 7.87%
Free cash flow yield 9.80% 6.08% 17.30%

Profitability

Metric AIG XZO Insurance Diversified median
Gross margin 28.38% 62.32% 53.26%
Operating margin 14.83% 48.51% 18.04%
Net margin 11.13% 39.45% 15.94%
Free cash flow margin 14.45% 36.76% 20.02%
Return on equity 7.22% 57.63% 12.08%
Return on assets 1.80% 45.36% 5.06%
Return on invested capital 4.45% 44.41% 9.01%

Growth

Metric AIG XZO Insurance Diversified median
Revenue growth (TTM) (4.19%) — (1.11%)
EPS growth (last fiscal year) 350.23% 69.29% —
Revenue growth, 5-year CAGR (9.35%) — 8.63%
Net income growth, 5-year CAGR 0.00% — 10.84%

Health

Metric AIG XZO Insurance Diversified median
Debt to equity 0.26 0.00 0.22
Current ratio 0.51 1.85 0.48
Net debt to EBITDA 1.24 (2.80) 0.17

Dividend

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

Size

Metric AIG XZO Insurance Diversified median
Market cap 39.12b 1.41b 13.12b

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