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American International GroupAIG -0.01%72 Debt-to-Equity is 0.23 as of Jun. 2026, which is 57% below its 10-year median of 0.54. GuruFocus rates AIG with a GF Score™ of 72/100 and a GF Value™ of $94.77 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 404 Insurance companies, American International Group ranks worse than 52.48% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for American International Group's Debt-to-Equity or its related term are showing as below:
AIG'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.21 Med: 0.54 Max: 0.78
Current: 0.23
During the past 13 years, the highest Debt-to-Equity Ratio of American International Group was 0.78. The lowest was 0.21. And the median was 0.54.
AIG's Debt-to-Equity is ranked worse than 52.48% of 404
companies
in the Insurance industry
Industry Median: 0.21
vs AIG: 0.23
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
American International Group Debt-to-Equity Related Terms
American International Group Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Diversified subindustry, American International Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
American International Group Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, American International Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where American International Group's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
American International Group (AIG) has a Debt-to-Equity of 0.23 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on American International Group and its competitors. This is 57% below median its historical median of 0.54. Over the past decade, American International Group's Debt-to-Equity has ranged from 0.21 to 0.78. According to the industry distribution chart, American International Group ranks #212 out of 404 companies in the Insurance industry, placing it in the top 52.5%.
Is American International Group's Debt-to-Equity too high?
American International Group's current Debt-to-Equity of 0.23 is 57% below median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 0.78. The Insurance industry median Debt-to-Equity is 0.21. American International Group's value of 0.23 is 9.5% above this industry median. Based on the distribution chart, American International Group ranks #212 out of 404 companies in the Insurance industry, which is below the industry midpoint. Overall, American International Group has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does American International Group's Debt-to-Equity compare to HIG and ACGL?
According to the Insurance industry distribution chart, American International Group ranks #212 out of 404 companies for Debt-to-Equity. This places American International Group in the lower half of its industry. The industry median Debt-to-Equity is 0.21. American International Group's value of 0.23 is 9.5% above this benchmark. Historically, American International Group's own Debt-to-Equity has ranged from 0.21 to 0.78 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 0.21, American International Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 404 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American International Group's current Debt-to-Equity of 0.23 is 9.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on American International Group and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American International Group's current Debt-to-Equity is 0.23, which is 57% below median its own 10-year median of 0.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American International Group stock overvalued right now?
Based on GuruFocus' analysis, American International Group (AIG) is currently considered Modestly Undervalued. The stock's GF Value™ is $94.77, compared to a current price of $77.60 — trading 18.1% below its estimated fair value. The current Debt-to-Equity is 0.23, which is 57% below median its 10-year median of 0.54 and 9.5% above the Insurance industry median of 0.21. American International Group's overall GF Score™ is 72/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For American International Group (AIG), the current Debt-to-Equity is 0.23 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is American International Group (AIG) Overvalued in 2026?
Based on GuruFocus' analysis, American International Group stock appears to be undervalued.
The current stock price of $77.60 is trading 18.1% below its estimated GF Value™ of $94.77.
GuruFocus considers American International Group to be Modestly Undervalued.
Key valuation signals for AIG:
Debt-to-Equity: 0.23 (57% below median its 10-year median of 0.54)
GF Value™: $94.77 vs. price of $77.60 (18.1% below fair value)
Industry Position: 9.5% above the Insurance median (#212 of 404)
No single metric tells the full story. See the AIG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
American International Group is one of the largest insurance and financial services firms in the world and has a global footprint. It operates through a wide range of subsidiaries that provide property, casualty, and life insurance. The company recently spun off its life insurance operations (Corebridge), but still retains a minority stake.
72GF Score
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