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 $42.3B against $1.6B — 27.3× the size. American International Group, Inc. trades at the lower P/E: 13.1× against 17.7×. Exzeo Group, Inc. grew revenue faster over the last twelve months: 15.1% against 1.19%. Exzeo Group, Inc. has the higher net margin (38.8% vs 11.9%) and the higher return on invested capital (36.6% vs 0.00%). Across the 17 metrics below, Exzeo Group, Inc. leads on 9 and American International Group, Inc. on 8.

Valuation

Metric AIG XZO Insurance Diversified median
P/E 13.07 17.67 11.57
P/S 1.52 6.89 1.52
P/B 1.09 5.13 1.64
Price to free cash flow 8.13 18.55 6.58
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.65% 5.66% 7.65%
Free cash flow yield 12.30% 5.39% 15.20%

Profitability

Metric AIG XZO Insurance Diversified median
Gross margin 0.00% 62.53% 53.26%
Operating margin 0.00% 48.01% 19.02%
Net margin 11.87% 38.84% 15.94%
Free cash flow margin 18.75% (0.57%) 6.29%
Return on equity 8.22% 45.77% 12.08%
Return on assets 2.02% 29.72% 5.31%
Return on invested capital 0.00% 36.63% 9.01%

Growth

Metric AIG XZO Insurance Diversified median
Revenue growth (TTM) 1.19% 15.07% 1.89%
EPS growth (last fiscal year) 350.23% 125.00% 28.70%
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 0.00 0.00 0.17
Current ratio 0.51 1.53 0.47
Net debt to EBITDA 1.24 (2.80) 0.17

Dividend

Metric AIG XZO Insurance Diversified median
Dividend yield 2.35% — 1.96%
Payout ratio 0.31 — 0.15

Size

Metric AIG XZO Insurance Diversified median
Market cap 42.32b 1.55b 12.81b

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