Aureus
BGood

American International Group, I(AIG)

B

Financial data as of Dec 31, 2025Improving · Financials

FCF Margin12.4%Free Cash Flow / Revenue
Cash Conversion107.0%Operating CF / Net Income
Free Cash Flow$3.3B
Revenue$26.8B
Net Cash-$7.9BNet debt position
Debt / FCF2.8xManageable debt load
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth+200.0%4 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseB
→
+0.5Healthy FCF margin with manageable debt (12.4%, 2.8x)
→
-1Current ratio below 1.0 (0.00)
→
+1Strong YoY FCF growth (200.0% YoY)
→
-0.5Highly volatile FCF (consistency: 0.87)
→
FinalB

Analysis Summary

Strengths

  • Healthy FCF margin (12.4%)
  • Excellent cash conversion (107%)
  • Strong YoY FCF growth (+200.0%)

Concerns

  • Net debt position ($7.9B) — 2.8x FCF, manageable
  • Current ratio below 1.0 — tight short-term liquidity
  • Highly volatile quarterly FCF

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin12.4%
Net Margin11.6%
Operating CF Margin12.4%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$7.9BNet debt position
Debt / FCF2.8xManageable debt load
Current Ratio0.00Tight liquidity
Debt / Equity0.22Low leverage

Quarterly FCF Trend

+200.0% YoYImproving (+200.0%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameAmerican International Group, I
SectorFinancials
Free Cash Flow$3.3B
Revenue$26.8B
Net Income$3.1B
Operating Cash Flow$3.3B
Capital Expenditure$0
FCF Margin12.4%
Cash Conversion Rate107.0%
Net Margin11.6%
Total Debt$9.2B
Total Cash$1.3B
Net Cash-$7.9B
Current Ratio0.00
Debt / Equity0.22
Debt / FCF2.8x
YoY FCF Growth+200.0%
Positive Quarters4 of 5
Trend DirectionImproving
Report DateDec 31, 2025
GradeB
Data SourceYahoo Finance

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