AIG American International Group, Inc.
Financial Services
Price
$77.15
Intrinsic value
$79.02
Buy price
$63.22
Discount
2.4%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $3,850,000,000.00
- Total debt
- $9,127,000,064.00
- Cash & STI
- $10,494,999,552.00
- Shares out.
- 533,574,538
Fair (no MOS)
Intrinsic value$78.99
Buy price (with MOS)$63.19
Current price$77.15
Discount to intrinsic value2.3%
7-step quality scorecard
ROE quality
LOW- Average ROE
- 9.3%
- Current ROE
- 7.5%
- Minimum ROE
- -3.3%
Debt quality
CONSERVATIVE- Debt / Equity
- 0.22x
Moat proxy
WEAK_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 1.30x
Technical chart
Confluence: MODERATE (2/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- min(cfCAGR,revenueCAGR)+trough_adj
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 34.9%
- Public economic interest
- 99.9%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.