American International Group, Inc. (AIG) Fair Value 2026

AIG · Insurance - Diversified ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.7 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (19/100)

Quick Summary — As of 2026-08-27, American International Group, Inc. (AIG) trades at $76.63, versus a $75.15 median fair value across its 6 active models — 1.9% below the current price. QOC: 7.7/10. Value Trap Risk: 19/100 (SAFE). 6/13 models active.

Key Facts

Ticker
AIG
Price
$76.63
Quality Score
7.7/10
Value Trap Risk
19/100
Models Active
6/13
Last Updated
Strength: Markov DDM suggests +159.8% upside with 53% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is American International Group, Inc. (AIG) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, American International Group, Inc. (AIG) appears fairly valued as of : the median of 6 independent fair value estimates is $75.15, within 1.9% of the current price of $76.63. Estimates range from $62.33 to $199.10. AIG scores 7.7/10 on fundamental quality and 19/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. AIG’s -1.9% gap is narrower than that market norm. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy American International Group, Inc. Stock in 2026? →

What Fair Value Does Each Model Give AIG?

6 Intrinsic Value Models vs. Current Price ($76.63)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $62.33 -18.7%
Ensemble · Low Conviction
 $79.15 +3.3%
Intrinsic · High Conviction
 $199.10 +159.8%
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What Is AIG's Fair Value Range?

Spread across 6 independent models · $62.33 to $199.10

CirclFi's 6 active models place American International Group, Inc. (AIG) between $62.33 and $199.10 per share, a spread of 182% of the median. The median of that range — $75.15 — is the fair value CirclFi publishes for AIG, against a current price of $76.63.

Low · EPVHigh · Markov DDM
$62.33median $75.15$199.10
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$62.33
Most bullish modelMarkov DDM$199.10
Model agreement2 bullish · 3 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for AIG. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on AIG, not a CirclFi price target. How each model works →

What Is American International Group, Inc. (AIG) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, American International Group, Inc. presents a highly debated valuation profile at its current price of $76.63. The median intrinsic value is estimated at $75.15 (-1.9% median upside), masking a wide model spread between the 2 bullish models and 3 bearish models. Model dispersion is worth noting: Markov DDM targets $199.10 (+159.8%), versus EPV at $62.33 (-18.7%). This +178.5% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About AIG?

6 of 13 models are currently active for AIG. Of these, 3 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for AIG is $75.15 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does AIG Rank in Insurance - Diversified?

Among 10 Insurance - Diversified stocks, AIG ranks #5 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.

Within the Insurance - Diversified space, American International Group, Inc. competes in an environment where reserve adequacy often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is AIG a Value Trap?

CirclFi's Value Trap algorithm assigns AIG a score of 19/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for American International Group, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, American International Group, Inc.'s fundamental quality profile registers 7.7/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +178.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every AIG valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across AIG's 6 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy American International Group, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Diversified Stocks Should You Also Analyze?

9 related Insurance - Diversified stocks with 13-model coverage

ACGLArch Capital Group Ltd.QOC 9.2XZOExzeo Group, Inc.QOC 8.9HIGThe Hartford Insurance Group, Inc.QOC 8.7IGICInternational General Insurance Holdings Ltd.QOC 8.7BNTBrookfield Wealth Solutions Ltd.QOC 7.7WDHWaterdrop Inc.QOC 7.6SLFSun Life Financial Inc.QOC 7.1AEGAegon Ltd.QOC 6.7SUNDSundance Strategies, Inc.QOC 3.5

Read investment analysis: ACGL · XZO · HIG · IGIC · BNT · WDH · SLF · AEG · SUND

Which Other Stocks Have a Similar Quality Score to AIG?

7 companies across all industries closest to AIG’s Quality of Company score of 7.7/10.

SSLSasol LimitedQOC 7.7MTWThe Manitowoc Company, Inc.QOC 7.7GEOThe GEO Group, Inc.QOC 7.7EVTCEVERTEC, Inc.QOC 7.7GHCGraham Holdings CompanyQOC 7.8FMNBFarmers National Banc Corp.QOC 7.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SSL · MTW · GEO · EVTC · GHC · FMNB · NVDA

What Else Do Investors Ask About American International Group, Inc.’s Valuation?

What is American International Group, Inc.'s intrinsic value in 2026?

CirclFi puts American International Group, Inc. (AIG)'s intrinsic value at $75.15 — the median of 6 independent model estimates as of 2026-08-27, ranging from $62.33 to $199.10. The Quality of Company score is 7.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is AIG overvalued or undervalued right now?

At $76.63, 3 of 6 active models suggest AIG may be undervalued, while 3 indicate potential overvaluation. The median of all 6 fair value estimates is $75.15, within 1.9% of the current price of $76.63 — a consensus view that AIG is fairly valued. The assessment depends on which methodology best fits American International Group, Inc.'s business model in Insurance - Diversified.

What does a Quality of Company score of 7.7 mean for AIG?

American International Group, Inc.'s QOC of 7.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on AIG?

CirclFi analyzes AIG with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on AIG?

Of the 6 models currently active on AIG, Markov DDM is the most bullish at $199.10 per share, and Earnings Power Value (EPV) is the most bearish at $62.33. CirclFi's published fair value for AIG is the median of that range, $75.15, not either extreme. The gap between the two ends equals 182% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is AIG a value trap in 2026?

American International Group, Inc.'s Value Trap score is 19/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, American International Group, Inc. (AIG) has a median fair value of $75.15 — within 1.9% of the current price of $76.63 — as of 2026-08-27.” Source: circlfi.com/stock/AIG/ · Methodology
Primary sources for this AIG valuation
  • Financial statements: American International Group, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000005272) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for AIG as of ; valuations recomputed .

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