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American International Group
American International Group (AIG) investor relations material
American International Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Adjusted after-tax income per diluted share rose 51% year-over-year in Q4 to $1.96, and 43% for the full year to $7.09; net income per diluted share for FY25 was $5.43, reversing a prior year loss.
General Insurance underwriting income increased 48% in Q4 and 22% for the year, reaching $2.3 billion, with combined ratio improving to 90.1% and AYCR to 88.3%.
$6.8 billion was returned to shareholders in 2025, including $5.8 billion in share repurchases and $1 billion in dividends.
Strategic transactions included acquisitions and partnerships with Convex Group, Onex, Blackstone, Amwins, and CVC, plus the launch of Syndicate 2479.
Accelerated rollout of GenAI initiatives and leadership transition with a new President and CEO Elect appointed.
Financial highlights
Q4 adjusted after-tax income was $1.1 billion ($1.96 per share), up 51% year-over-year; Q4 net income per diluted share was $1.35.
Q4 underwriting income was $670 million, up 48% year-over-year; full year underwriting income reached $2.3 billion.
Net investment income for FY25 was $4.2 billion, down 1% year-over-year; on an APTI basis, investment income rose 8% to $3.8 billion.
Book value per share at year-end was $76.44, up 9% from prior year; adjusted tangible book value per share was $70.37, up 4%.
Weighted average diluted shares outstanding decreased from 657.3 million to 570.3 million year-over-year.
Outlook and guidance
2025 performance met or exceeded multi-year targets: operating EPS CAGR of 43%, core operating ROE of 11.1%, and dividends per share CAGR of 12%.
Expense ratio improved to 31.1% for 2025, with a target of sub-30% by 2027.
Management projects continued strong EPS growth, ROE, and at least $1 billion in share repurchases for 2026.
Strategic partnerships and acquisitions are expected to contribute to earnings and ROE in 2026.
January 1 reinsurance renewals achieved enhanced terms and favorable pricing, supporting positive momentum into 2026.
How do new partnerships improve ROE without complexity?
How did lean parent implementation affect AYCR?
How did Corebridge divestment affect net investment income?
Gen AI's specific impact on expense ratio by 2027?
NPW growth: organic vs. strategic deals split?
Corebridge proceeds beyond $1B share repurchase?
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Next American International Group earnings date
Q1 20261 May, 2026
American International Group
Next American International Group earnings date
Q1 20261 May, 2026
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Frequently asked questions
Insurance for all
AIG, or American International Group, is a multinational insurance company that offers a range of insurance and financial products and services. With a global presence, AIG serves clients in various sectors, including individuals, businesses, and institutional customers. Their offerings encompass property and casualty insurance, life insurance, retirement products, and asset management solutions.
Safe and sound
AIG is primarily known for its range of insurance products and services. They offer property and casualty insurance, providing coverage for risks related to property damage, liability, and other related risks. Additionally, AIG offers life insurance and retirement solutions, helping individuals and families plan for their financial security if something were to happen to one or several family members. Their products include term life insurance, whole life insurance, annuities, as well as retirement planning options. Other companies operating in the insurance sector include names such as Chubb, Allstate, and MetLife.
Catering to both businesses and individuals
AIG serves a diverse client base in the insurance sector, ranging from individuals and families to small businesses and large corporations. They provide insurance solutions tailored to meet the unique needs of their clients across various industries. Aside from various health and life insurances, AIG's clients include homeowners and renters seeking property insurance coverage, drivers looking for auto insurance, businesses in need of liability insurance, and professionals seeking liability coverage. They also cater to specialty markets such as aviation, marine, energy, and more. Due to their scale and experience, AIG is able to provide tailor-made insurance solutions in order to be able to serve as broad of a client base as possible.
Helping clients all over the world manage the risks of life
AIG has a strong global presence with operations spanning across numerous countries. With offices and subsidiaries in various regions, including North America, Europe, Asia-Pacific, and Latin America, AIG has established itself as a significant player in the global insurance industry. AIG is able to tweak their solutions to fit local needs and requirements, while having a strong global network of experience and knowledge.
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