--- canonical_url: https://www.stockexpertai.com/earnings/aig last_updated: 2026-05-05T22:17:06.131Z --- # American International Group, Inc. (AIG) Q1 FY2027 Earnings Preview > This content was automatically generated with FMP live data + Q1 FY2026 earnings call transcript. Generated: 2026-05-05T22:17:05.776Z. Educational tool, not investment advice. --- ## Quick Summary | Field | Value | Source | |---|---|---| | Price | $78.47 (▲ 1.17%) | fmp:quote | | Market Cap | $42.1B | fmp:profile | | 52w range | $71.25 – $87.46 | fmp:quote | | Earnings | Wed 5 Aug | fmp:earnings-history | | EPS estimate | $1.97 (+9% YoY) | fmp:earnings-estimate | | Revenue estimate | $7.2B | fmp:earnings-estimate | | Beat streak | 5/4 | fmp:earnings-history | | Rating | A- (overall 4/5) | fmp:ratings | | Analyst median target | $84 (+7.0% upside) | fmp:price-target-consensus | | MoonshotScore | 33/100 | derived | | Council | 2/6 bullish | derived | | Munger verdict | Fairly Valued | derived | ## American International Group, Inc. — Q1 FY2027 Expectations Q1 consensus: revenue $7.2B^{[FMP est]}, EPS $1.97^{[FMP est]}. 5 consecutive quarters of beat^{[FMP earnings]}. ## Quick Take **Score:** A- · **Stance:** HOLD · **Council:** 2/6 · **Moonshot:** 33 = MoonshotScore 33^{[9-pillar formula]} + Council 2/6^{[6-lens rule]}. Form 4: 0 transactions^{[FMP Form 4]}. ## Watchlist (6 metrics) ### 1. General Insurance Growth General Insurance net premiums written increased 18% year-over-year. > "In the first quarter, General Insurance net premiums written increased 18% year-over-year on a constant dollar basis, driven by our Global Commercial Insurance business, which increased 21% year-over-year and our Global Personal Insurance business, which increased 11% year-over-year." > — Peter Zaffino, CEO, Investor Focus · Q1 FY2026 ### 2. Ai Underwriting Impact In Lexington middle market property, AIG Assist has helped deliver a 30% improvement on quoting more submissions, reduced time to quote for the underwriters by 55% and increased binding of submissions by approximately 40%. > "In Lexington middle market property, which is an area we have targeted for growth, AIG Assist has helped deliver a 30% improvement on quoting more submissions, reduced time to quote for the underwriters by 55% and increased binding of submissions by approximately 40%." > — Peter Zaffino, CEO, Investor Focus · Q1 FY2026 ### 3. Dividend Increase The AIG Board of Directors approved an 11% increase in our quarterly dividend to $0.50 per share starting in the second quarter of 2026. > "As we announced yesterday, the AIG Board of Directors approved an 11% increase in our quarterly dividend to $0.50 per share starting in the second quarter of 2026." > — Peter Zaffino, CEO, Investor Focus · Q1 FY2026 ### 4. Shareholder Capital Return During the quarter, the company returned $760 million of capital to shareholders, including $519 million of share repurchases and $241 million of dividends. > "During the quarter, we returned $760 million of capital to shareholders, including $519 million of share repurchases and $241 million of dividends." > — Peter Zaffino, CEO, Investor Focus · Q1 FY2026 ### 5. Global Personal Insurance Improvement Significant improvement was achieved in the Global Personal Insurance business, with the accident year combined ratio as adjusted improving 570 basis points to 89.9%. > "The accident year combined ratio as adjusted improved 570 basis points to 89.9%." > — Peter Zaffino, CEO, Investor Focus · Q1 FY2026 ### 6. Expense Ratio Improvement The expense ratio was 29.3%, an improvement of 120 basis points year-over-year. > "The expense ratio was 29.3%, an improvement of 120 basis points year-over-year." > — Peter Zaffino, CEO, Investor Focus · Q1 FY2026 ## MoonshotScore Pillars | Pillar | Score | Level | Evidence | |---|---|---|---| | Revenue Growth | 0.0 | weak | Q1 vs Q2: growth negative (-5.6%, contraction) | | Gross Margin | 5.0 | medium | Q1: average margin (47.7%) | | Operating Leverage | 1.0 | weak | op margin average (14.8%) | | Cash Runway | 3.0 | weak | FCF very strong ($0.2B, 155000000.0× CapEx) | | R&D Intensity | 3.0 | weak | low R&D investment (0.0%, weak innovation) | | Price Momentum | 7.0 | strong | RSI 57.6 positive momentum, 50d above | | News Sentiment | 4.0 | medium | mixed (36% buy) | **Formula:** sum(pillar.score) / (count * 10) * 100. Each pillar deterministic from FMP. Source maps in pillar.formula. ## Council (7-Lens) | Name | Stance | Context | |---|---|---| | Ray Dalio | bull | macro · target upside +7.0% | | Ken Griffin | bull | flow · 50d MA above | | Jim Simons | neutral | quant · RSI 58 | | Klarman | neutral | value · target upside +7.0% | | Buffett | neutral | quality · ROE score 3/5 | | Munger | neutral | valuation · target upside +7.0% | **Formula:** Each lens uses deterministic rule on bundle data. Logged in member.contextTr. ## Munger Lens - **Verdict:** Fairly Valued - **Financial Health:** Strong - **Margin of Safety:** Weak - **Interest Coverage:** Adequate - **ROIC vs WACC:** Tight **Formula:** verdict=upside>25?Undervalued:>0?Fairly Valued:Overvalued. Each lens deterministic from FMP ratings + priceTarget. ## Technical Levels - **RSI(14):** 57.6 — yükselişte nötr — overbought sınırının altında, momentum pozitif - **50d MA:** $77 — hisse %2.1 üstünde — kısa vadeli destek - **200d MA:** $78 — hisse %0.1 üstünde — uzun vadeli destek - **Volume (10d):** -48% ## Past Performance (4 Quarters) | Quarter | EPS Actual | EPS Estimate | Result | Reaction | |---|---|---|---|---| | Q2 FY25 | $1.81 | $1.60 | BEAT | -3.1% | | Q3 FY25 | $2.20 | $1.72 | BEAT | -5.4% | | Q4 FY25 | $1.96 | $1.90 | BEAT | +4.6% | | Q1 FY26 | $2.11 | $1.89 | +11.6% EPS | +5.3% | Q1 (May 1, 2026): EPS $2.11 vs $1.89 est^[FMP], +11.6% beat. D+1 movement: +5.3%^{[FMP D+1]}. Decline despite beat — market reacted to guidance, not numbers. ## 3 Scenarios ### Scenario A · Beat **Q1 EPS > $1.97 + CapEx discipline** Threshold: EPS > $1.97^{[FMP est]}. Target: Break above median target $84^{[FMP target]}; high target $95^[FMP] upper bound. ### Scenario B · In-Line **EPS ≈ $1.97 + CapEx < $0** Threshold: EPS ≈ $1.97^{[FMP est]}, Q1 CapEx < $0^[FMP]. Target: Consolidation in the band between current $78^[FMP] and median $84^[FMP]. ### Scenario C · Miss **EPS < $1.91 or CapEx ≥ $0** Threshold: EPS < $1.91^{[FMP est×0.97]}. Target: Current $78^[FMP] below SMA200 $78, if rejection continues, $67^[derived] support activates. ## Risk Notes ### Primary segment below threshold Q1: EPS $2.11 vs $1.89 beat^[FMP], stock +5.3% D+1^[FMP]. ### Backlog concentration No RPO/backlog concentration disclosed in Q1 earnings call. ### Insider trading Form 4 data is marked in the table — this page does not generate assumptions for this stock. | Executive | Action | Amount | Date | |---|---|---|---| **Net:** — (0 transactions · 0 sells · 0 buys) · Q1 FY26 ### CapEx shock Q1 CapEx $0^{[FMP cashflow]}. Q1 op margin 14.8%^{[FMP op margin]} — this level in Q1 is sensitive to CapEx revision risk. ## Wall Street Consensus - **Median target:** $84 (+7.0% upside vs current $78) - **High / Low:** $95 / $80 - **Buy / Hold / Sell:** 8 / 14 / 0 - **Analyst count:** 5 (last quarter), 41 all-time ## Additional Transcript Insights ### 1. general_insurance_growth **Claim:** General Insurance net premiums written increased 18% year-over-year. **Evidence (transcript):** "In the first quarter, General Insurance net premiums written increased 18% year-over-year on a constant dollar basis, driven by our Global Commercial Insurance business, which increased 21% year-over-year and our Global Personal Insurance business, which increased 11% year-over-year." **Numbers:** 18%, 21%, 11% ### 2. global_personal_insurance_improvement **Claim:** Significant improvement was achieved in the Global Personal Insurance business, with the accident year combined ratio as adjusted improving 570 basis points to 89.9%. **Evidence (transcript):** "The accident year combined ratio as adjusted improved 570 basis points to 89.9%." **Numbers:** 570, 89.9% ### 3. expense_ratio_improvement **Claim:** The expense ratio was 29.3%, an improvement of 120 basis points year-over-year. **Evidence (transcript):** "The expense ratio was 29.3%, an improvement of 120 basis points year-over-year." **Numbers:** 29.3%, 120 ### 4. shareholder_capital_return **Claim:** During the quarter, the company returned $760 million of capital to shareholders, including $519 million of share repurchases and $241 million of dividends. **Evidence (transcript):** "During the quarter, we returned $760 million of capital to shareholders, including $519 million of share repurchases and $241 million of dividends." **Numbers:** $760 million, $519 million, $241 million ### 5. dividend_increase **Claim:** The AIG Board of Directors approved an 11% increase in our quarterly dividend to $0.50 per share starting in the second quarter of 2026. **Evidence (transcript):** "As we announced yesterday, the AIG Board of Directors approved an 11% increase in our quarterly dividend to $0.50 per share starting in the second quarter of 2026." **Numbers:** 11%, $0.50, 2026 ### 6. ai_underwriting_impact **Claim:** In Lexington middle market property, AIG Assist has helped deliver a 30% improvement on quoting more submissions, reduced time to quote for the underwriters by 55% and increased binding of submissions by approximately 40%. **Evidence (transcript):** "In Lexington middle market property, which is an area we have targeted for growth, AIG Assist has helped deliver a 30% improvement on quoting more submissions, reduced time to quote for the underwriters by 55% and increased binding of submissions by approximately 40%." **Numbers:** 30%, 55%, 40% --- *Data source: FMP (live query, 2026-05-05), Q1 FY2026 earnings call transcript (Translated to EN with Gemini 2.0 Flash). Educational tool, not investment advice.*