AIG vs ALL Stock Comparison: AI Score, Valuation, Performance and Upside
AIG and Allstate both compete in property and casualty insurance, but AIG focuses primarily on global commercial insurance following years of business simplification, while Allstate concentrates on personal auto and homeowners insurance for U.S. consumers through its agent network.
AIG offers exposure to a focused commercial insurance turnaround story with improving underwriting discipline, while Allstate offers exposure to a personal lines insurance recovery tied to auto and homeowners pricing actions. Consider whether you prefer AIG's commercial insurance simplification narrative or Allstate's personal lines pricing recovery.
ALL holds the edge across 3 of 5 key metrics in this comparison. ALL has delivered stronger 1-year price return (+26.89% vs -6.31%), though AIG has the better forward P/E setup (8.76x vs 9.40x for ALL). ALL leads on both revenue growth (11.80%) and operating margin (22.83%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for AIG (+15.04%) than for ALL (+5.86%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to a focused commercial property and casualty insurance turnaround story
- Believe continued combined ratio improvement supports durable underwriting profitability
- Value capital return activity following years of business simplification
- Are comfortable with catastrophe loss volatility inherent in commercial property insurance
- Want exposure to a diversified personal lines insurer with a broad agent network
- Believe ongoing rate actions will continue to support underwriting margin recovery
- Value a mix of auto and homeowners exposure across many local markets
- Are comfortable with periodic catastrophe-driven earnings volatility
| Metric | AIG | ALL |
|---|---|---|
| AI scorei | 41.3 | 54.3 |
| AI ranki | #1029 | #295 |
| Latest closei | $76.21 | $259.57 |
| 1M returni | -4.88% | -1.90% |
| 6M returni | -4.82% | +22.66% |
| 1Y returni | -6.31% | +26.89% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | AIG | ALL |
|---|---|---|
| 1Y ago | $9.32K (-6.8%) started 2025-09-04 | $12.46K (+24.6%) started 2025-09-04 |
| 5Y ago | $16.56K (+65.6%) started 2021-09-07 | $23.69K (+136.9%) started 2021-09-07 |
| 10Y ago | $20.45K (+104.5%) started 2016-09-06 | $55.85K (+458.5%) started 2016-09-06 |
Hypothetical — past performance does not guarantee future results.
| Metric | AIG | ALL |
|---|---|---|
| Market capi | $40.23B | $65.63B |
| Trailing P/Ei | 14.04 | 5.20 |
| Forward P/Ei | 8.76 | 9.40 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 1.45 | 0.99 |
| Analyst targeti | $88.50 | $274.77 |
| Target upsidei | +15.04% | +5.86% |
| Metric | AIG | ALL |
|---|---|---|
| Revenue growthi | 0.50% | 11.80% |
| Earnings growthi | -10.10% | 61.20% |
| EPS growthi | -10.10% | +61.20% |
| FCF margini | +27.54% | +21.61% |
| Operating margini | 19.41% | 22.83% |
| Profit margini | 11.09% | 18.97% |
| ROIC proxyi | 7.22% | 46.11% |
| Return on equityi | 7.22% | 46.11% |
| Dividend yieldi | 2.60% | 1.66% |
| Betai | 0.52 | 0.15 |
| Debt/equityi | 22.47 | 22.26 |
| Current ratioi | 0.61 | 0.36 |
| Quick ratioi | 0.22 | 0.24 |
Over the past year, AIG and ALL have moved moderately in the same direction (correlation of 0.43), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | AIG | ALL |
|---|---|---|---|
| 1Y | Growthi | -6.75% | +24.60% |
| CAGRi | -6.76% | +24.63% | |
| Volatilityi | 24.28% | 24.87% | |
| Sharpe ratioi | -0.35 | 0.83 | |
| Sortino ratioi | -0.48 | 1.19 | |
| Max drawdowni | 16.98% | 11.48% | |
| Current drawdowni | 11.99% | 5.65% | |
| Avg drawdowni | 9.29% | 3.63% | |
| Ulcer Indexi | 10.18% | 4.65% | |
| Max daily dropi | 7.48% | 5.28% | |
| Max wkly dropi | 12.19% | 9.39% | |
| 5Y | Growthi | +51.75% | +115.90% |
| CAGRi | +8.71% | +16.67% | |
| Volatilityi | 26.01% | 25.89% | |
| Sharpe ratioi | 0.28 | 0.55 | |
| Sortino ratioi | 0.39 | 0.77 | |
| Max drawdowni | 26.45% | 27.35% | |
| Current drawdowni | 13.12% | 5.65% | |
| Avg drawdowni | 7.87% | 7.28% | |
| Ulcer Indexi | 9.92% | 9.68% | |
| Max daily dropi | 8.41% | 12.90% | |
| Max wkly dropi | 17.02% | 12.82% | |
| 10Y | Growthi | +60.11% | +353.24% |
| CAGRi | +4.82% | +16.32% | |
| Volatilityi | 32.49% | 25.29% | |
| Sharpe ratioi | 0.17 | 0.55 | |
| Sortino ratioi | 0.24 | 0.76 | |
| Max drawdowni | 69.58% | 41.39% | |
| Current drawdowni | 13.12% | 5.65% | |
| Avg drawdowni | 14.49% | 7.64% | |
| Ulcer Indexi | 20.05% | 10.69% | |
| Max daily dropi | 20.84% | 14.09% | |
| Max wkly dropi | 41.36% | 22.74% |
| Category | AIG | ALL |
|---|---|---|
| Company | American International Group, Inc. | The Allstate Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Insurance - Property & Casualty |
| Core business | A global insurance company primarily focused on property and casualty insurance for commercial and individual customers, following years of business simplification and portfolio restructuring to improve underwriting profitability. | A major personal lines insurer offering auto, home, and other property and casualty coverage through a network of agents and direct channels across the United States. |
| Investor focus | Combined ratio improvement trends reflecting underwriting profitability, continued progress on business simplification efforts, and capital return activity including share buybacks. | Combined ratio trends across auto and homeowners lines, premium rate increases working through the book, and progress on expense reduction initiatives. |
- Multi-year business simplification efforts have focused the company on its core property and casualty insurance operations
- Underwriting profitability improvements reflect more disciplined risk selection and pricing across its commercial insurance lines
- Capital return program including share buybacks reflects improved balance sheet strength following its restructuring
- Broad agent-based distribution network gives it deep relationships across many local markets
- Diversified product mix spanning auto, homeowners, and other insurance lines spreads underwriting risk
- Ongoing rate actions and underwriting discipline have supported margin recovery after a period of elevated claims costs
- Property and casualty insurance results can be volatile due to large catastrophe losses in any given period
- Continued execution on underwriting discipline is needed to sustain recent combined ratio improvement trends
- Faces competition from other large global commercial insurance providers across its core markets
- Homeowners results are exposed to catastrophe losses from severe weather events that can swing quarterly earnings
- Auto insurance profitability depends on pricing keeping pace with vehicle repair and medical cost inflation
- Faces intensifying competition from direct-to-consumer insurers with lower distribution costs
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