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Compared to Estimates, American International Group (AIG) Q4 Earnings: A Look at Key Metrics
AIGAIG(AIG) ZACKS·2025-02-12 02:01

Core Insights - American International Group (AIG) reported a revenue of 6.85billionforQ42024,markingayearoveryeardeclineof46.16.85 billion for Q4 2024, marking a year-over-year decline of 46.1% and an EPS of 1.30 compared to 1.79ayearago,exceedingtheZacksConsensusEstimateof1.79 a year ago, exceeding the Zacks Consensus Estimate of 6.77 billion by 1.27% and delivering an EPS surprise of 3.17% [1] Financial Performance Metrics - Loss Ratio for Total General Insurance was 59.7%, slightly better than the average estimate of 60.1% [4] - Expense Ratio for Total General Insurance stood at 32.8%, higher than the estimated 31.9% [4] - Combined Ratio for Total General Insurance was 92.5%, compared to the average estimate of 92% [4] - Combined Ratio for General Insurance - North America - Commercial Lines was 98.8%, above the average estimate of 90.9% [4] - Combined Ratio for General Insurance - International - Commercial Lines was 83.1%, better than the average estimate of 86.5% [4] - Net premiums earned in General Insurance were 5.98billion,exceedingtheaverageestimateof5.98 billion, exceeding the average estimate of 5.91 billion, with a year-over-year change of 1.1% [4] - Net investment income for General Insurance was 779million,surpassingtheaverageestimateof779 million, surpassing the average estimate of 759.90 million, but reflecting a year-over-year decline of 2% [4] - Net premiums written in General Insurance were 6.08billion,comparedtotheaverageestimateof6.08 billion, compared to the average estimate of 6.68 billion, showing a year-over-year increase of 5.6% [4] - Revenue from Premiums was 5.97billion,slightlyabovetheaverageestimateof5.97 billion, slightly above the average estimate of 5.93 billion, but down 29.5% year-over-year [4] - Net investment income was reported at 1.31billion,exceedingtheestimateof1.31 billion, exceeding the estimate of 875.43 million, but down 66.6% compared to the previous year [4] - Adjusted pre-tax loss from Other Operations was -150million,betterthantheaverageestimateof150 million, better than the average estimate of -167.71 million [4] - Adjusted pre-tax income for General Insurance was 1.23billion,slightlybelowtheaverageestimateof1.23 billion, slightly below the average estimate of 1.28 billion [4] Stock Performance - AIG shares have returned +6% over the past month, outperforming the Zacks S&P 500 composite's +4.2% change, with a current Zacks Rank of 3 (Hold) indicating potential performance in line with the broader market [3]