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American International Group, I(AIG)

C

Financial data as of Dec 31, 2024Declining · Financials

FCF Margin12.0%Free Cash Flow / Revenue
Cash Conversion-233.1%Operating CF / Net Income
Free Cash Flow$3.3B
Revenue$27.3B
Net Cash-$7.6BNet debt position
Debt / FCF2.7xManageable debt load
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth-21.0%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 (12.0%, 2.7x)
→
-1Current ratio below 1.0 (0.00)
→
-0.5FCF trend declining (-21.0% YoY)
→
FinalC

Analysis Summary

Strengths

  • Healthy FCF margin (12.0%)

Concerns

  • Net debt position ($7.6B)
  • Current ratio below 1.0 — tight short-term liquidity
  • Significant YoY FCF decline (-21.0%)
  • Significant FCF decline (-21.0% YoY)

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin12.0%
Net Margin-5.1%
Operating CF Margin12.0%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$7.6BNet debt position
Debt / FCF2.7xManageable debt load
Current Ratio0.00Tight liquidity
Debt / Equity0.21Low leverage

Quarterly FCF Trend

-21.0% YoYDeclining (-21.0%)

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$27.3B
Net Income-$1.4B
Operating Cash Flow$3.3B
Capital Expenditure$0
FCF Margin12.0%
Cash Conversion Rate-233.1%
Net Margin-5.1%
Total Debt$8.9B
Total Cash$1.3B
Net Cash-$7.6B
Current Ratio0.00
Debt / Equity0.21
Debt / FCF2.7x
YoY FCF Growth-21.0%
Positive Quarters4 of 5
Trend DirectionDeclining
Report DateDec 31, 2024
GradeC
Data SourceYahoo Finance

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