NYSE$AIG

American International Group Inc · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

AIG reported exceptional results, marked by the successful Corebridge Financial deconsolidation.

AIG reported an outstanding second quarter with terrific underwriting results. The deconsolidation of Corebridge was completed. Adjusted after-tax income per diluted share was $1.16, a 9% increase year-over-year, or 38% on a comparable basis.

  • General Insurance net premiums written (NPW) of $6.9 billion, an increase of 7% on a comparable basis, led by North America Commercial with 10% growth.
  • Produced record Commercial Lines new business of $1.3 billion, an increase of 18% year-over-year coupled with continued strong retention globally.
  • General Insurance combined ratio was 92.5%, an increase of 160 basis points year-over-year, or 10 basis points on a comparable basis.
  • Accident year combined ratio, as adjusted was 87.6%, an improvement of 40 basis points year-over-year, or 170 basis points on a comparable basis.

Headline financials

Total Revenue

$6.56B

Previous: $13.2B-50.4%
EPS

-$5.96

Previous: $1.75-440.6%
Underwriting income

$1.18B

Previous: $594M+98.0%
Accident year combined ratio, as adjusted

84.7%

Previous: 88.0%-3.7%
Free Cash Flow

-$3.98B

Previous: $1.49B-366.4%
Net Income

-$3.98B

Previous: $1.49B-366.4%
Operating Income

-$634M

Previous: $5.34B-111.9%
Gross Profit

$1.41B

Previous: $7.78B-81.8%

Revenue & EPS history

AIG · Revenue · Quarterly

$6.56B

Q2 2024-50.4%vs Q2 2023
Beat estimate in 6 of 15 quarters(40%)
ActualEstimate

Forward guidance

AIG enters the back half of 2024 with significant momentum focused on enhancing its leadership in the market.

Tailwinds

  • Sustainable earnings growth driven by focus on underwriting excellence.
  • Continued expense discipline.
  • Repositioning of underwriting portfolio enables high-quality growth.
  • Deepening distribution relationships.
  • Benefit from lead underwriting positions.

Headwinds

  • Increasingly uncertain global risk environment.
  • Complex accounting treatment of deconsolidation.
  • Prior year divestitures.
  • Increase in catastrophe losses year-over-year.
  • Lower underwriting income in General Insurance due to business divestitures.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2024

Historical avgQ2 2024

+0.4%

Avg return

Earnings day

+1.8%

Avg return

5 days after

+1.9%

Avg return

30 days after

58%

40 / 69 earnings

Positive

+11.5%

Q1 2010

Best reaction

-11.0%

Q2 2011

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+5.1%+3.9%-0.7%
Q4 2025+4.6%+4.4%+2.3%
Q3 2025-5.4%-4.7%-4.6%
Q2 2025+2.0%+4.3%+3.4%
Q1 2025+3.2%+1.1%+4.7%
Q4 2024+1.2%-2.1%+9.5%
Q3 2024-0.4%-0.2%+0.3%
Q2 2024-5.2%-11.2%-2.5%
Q1 2024+3.7%+6.2%+4.7%
Q4 2023-0.8%+0.4%+8.8%
Q3 2023+5.0%+4.3%+7.6%
Q2 2023+1.6%+0.7%-2.9%
Q1 2023+4.8%+3.4%+7.5%
Q4 2022+1.0%-1.1%-23.2%
Q3 2022+0.5%+1.6%+10.7%
Q2 2022+3.3%+10.8%+3.6%
Q1 2022+8.3%+5.4%-1.5%
Q4 2021+1.7%+2.2%+1.1%
Q3 2021-3.5%-3.8%-12.7%
Q2 2021+8.2%+12.8%+17.0%
Q1 2021+4.7%+3.1%+9.3%
Q4 2020+4.5%+2.9%+15.5%
Q3 2020+5.0%+21.0%+28.8%
Q2 2020-7.5%-4.6%-7.2%
Q1 2020+4.9%+15.7%+39.1%
Q4 2019-10.7%-9.7%-47.5%
Q3 2019+3.7%+4.8%-0.6%
Q2 2019+4.5%+1.3%+0.9%
Q1 2019+6.8%+9.6%+13.9%
Q4 2018-8.3%-3.4%+0.5%
Q3 2018+5.3%+7.7%+5.6%
Q2 2018-2.4%-3.6%-3.3%
Q1 2018-7.8%-5.4%-5.4%
Q4 2017-0.4%-1.7%-6.4%
Q3 2017-4.1%-3.9%-7.4%
Q2 2017+0.9%-0.8%-7.3%
Q1 2017+1.9%+0.6%+4.4%
Q4 2016-8.0%-5.5%-4.9%
Q3 2016-4.2%-2.3%+5.1%
Q2 2016+7.2%+9.0%+9.6%
Q1 2016+0.2%
Q4 2015+1.0%
Q3 2015-3.3%
Q2 2015-2.8%
Q1 2015+1.9%
Q4 2014+3.3%
Q3 2014-0.3%
Q2 2014+0.3%
Q1 2014-3.5%
Q4 2013-0.1%
Q3 2013-7.1%
Q2 2013+6.2%
Q1 2013+8.1%
Q4 2012+2.3%
Q3 2012-6.4%
Q2 2012+1.6%
Q1 2012-5.6%
Q4 2011+2.7%
Q3 2011-1.2%
Q2 2011-11.0%
Q1 2011-3.0%
Q4 2010-3.7%
Q3 2010-0.2%
Q2 2010+4.4%
Q1 2010+11.5%
Q3 2008-7.9%
Q3 2009-7.9%
Q2 2009+5.5%
Q2 2008+5.5%

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