Q3 2025 American International Group Inc Earnings Call Transcript

Nov 5, 2025 / 01:30 PM GMT

Transcript 10-Q8-K

Key Points

Positve

American International Group Inc (AIG) reported a 77% year-over-year increase in adjusted after-tax income per diluted share, reaching $2.20.
The company achieved an 81% year-over-year increase in underwriting income, totaling $793 million.
AIG's net investment income on an adjusted pre-tax basis rose by 15% year-over-year to $1 billion.
The calendar year combined ratio improved by 580 basis points from the prior year quarter, reaching 86.8%.
AIG announced strategic investments with Convex Group, Onyx Corporation, and a transaction with Everest Group, expected to be earnings, EPS, and ROE accretive within the first year post-closing.

Negative

Net premiums written in North America commercial insurance were flat year-over-year, with declines in retail and Lexington property segments.
Global personal net premiums written decreased by 4%, impacted by a high net worth quota share reinsurance treaty.
The accident year loss ratio increased by 100 basis points year-over-year, primarily due to the reapportionment of unallocated loss adjustment expenses.
International commercial insurance saw a 6% decline in financial lines, partially offsetting growth in other areas.
AIG's North America property segment continued to face pricing pressure, impacting overall profitability.

Refinitiv StreetEvents Event Transcript
P R E L I M I N A R Y V E R S I O N

AIG.N - American International Group Inc
Q3 2025 American International Group Inc Earnings Call
Nov 05, 2025 / 01:30PM GMT

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THIS TRANSCRIPT IS THE INITIAL PRELIMINARY VERSION WHICH LEVERAGES MACHINE LEARNING TECHNOLOGY. AS SUCH, PLEASE BE AWARE THERE MAY BE INACCURACIES IN THE TEXT DISPLAYED. FUTURE EDITED VERSIONS WILL BE REVIEWED FOR GREATER ACCURACY.

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Management estimates or opinions should change.

Today's also refer to non-GAAP financial

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