Is AIG or HIG more undervalued in 2026?

CirclFi compares American International Group, I (AIG) and The Hartford Insurance Group, I (HIG) using 13 institutional-grade valuation models. AIG has a Quality of Company score of 7.9/10 while HIG scores 8.9/10.

Which is a better buy — AIG or HIG?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AIG and HIG valuations compare?

AIG at $74.40 and HIG at $128.97 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AIG vs HIG Valuation Comparison 2026 — Intrinsic Value Analysis

AIG

Insurance - Diversified

American International Group, I

Quality

7.9

out of 10

Value Trap

SAFE

Price

$74.40

Last close

Models

11/13

Active

HIG

Insurance - Diversified

The Hartford Insurance Group, I

Quality

8.9

out of 10

Value Trap

SAFE

Price

$128.97

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	AIG Fair Value	AIG Upside	HIG Fair Value	HIG Upside
Bayesian DCF	Intrinsic	$80.12	+7.7%	$356.99	+176.8%
Earnings Power Value	Intrinsic	$198.60	+166.9%	$123.33	-4.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for AIG vs HIG — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

AIG vs HIG — Which Stock Is More Undervalued?

HIG scores higher with a 8.9/10 quality rating vs AIG's 7.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing American International Group, I (AIG) and The Hartford Insurance Group, I (HIG) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AIG currently trades at $74.40 with a QOC of 7.9/10, while HIG trades at $128.97 with a QOC of 8.9/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).