AIGHIGH SIGNALFINANCIAL10-K

AIG delivered a dramatic turnaround with net income swinging from -$1.4B loss to $3.1B profit while simultaneously reducing share count by nearly 10% and maintaining strong capital returns.

This represents a massive $4.5B improvement in profitability, demonstrating AIG's successful operational turnaround and effective capital allocation strategy. The combination of strong earnings recovery with continued aggressive share repurchases ($5.8B) and reduced outstanding shares (from 593M to 537M) creates significant value for remaining shareholders.

Comparing 2026-02-12 vs 2025-02-13View on EDGAR →
FINANCIAL ANALYSIS

AIG achieved a remarkable financial transformation with net income surging $4.5B from a loss position to substantial profitability, while the company aggressively reduced its share count by nearly 10% through sustained buyback activity totaling $5.8B. The reduction in total deposits by 46% to $892M and increased credit loss provisions suggest some portfolio optimization or market pressures, but these are overshadowed by the dramatic earnings recovery. Overall, the financial picture signals a successful operational turnaround combined with disciplined capital allocation that meaningfully enhances shareholder value through both earnings growth and share count reduction.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+320.5%
-$1.4B$3.1B

Net income grew 320.5% — bottom-line growth signals improving overall business health.

Provision for Credit Losses
P&L
-118.7%
-$75.0M-$164.0M

Provisions reduced 118.7% — improving credit quality or reserve release boosting reported earnings.

Total Deposits
Balance Sheet
-45.6%
$1.6B$892.0M

Deposits declined 45.6% — significant outflows warrant immediate investigation into funding stability.

Share Buybacks
Cash Flow
-12.3%
$6.7B$5.8B

Buyback activity reduced 12.3% — capital being redeployed elsewhere or cash conservation underway.

LANGUAGE CHANGES
NEW — 2026-02-12
PRIOR — 2025-02-13
ADDED
As of February 6, 2026, 536,559,663 shares of the registrant's Common Stock, $2.50 par value per share, were outstanding.
Balance Sheet Strength and Financial Flexibility with approximately $41 billion in shareholders equity and AIG Parent liquidity sources of $9.3 billion as of December 31, 2025.
Other Operations predominantly consists of Net investment income from our AIG Parent liquidity portfolio, Corebridge Financial, Inc.
(Corebridge) dividend income, corporate General operating expenses, and Interest expense.
(National Union); American Home Assurance Company (American Home); Lexington Insurance Company (Lexington); AIG General Insurance Company, Ltd.; AIG Asia Pacific Insurance Pte.
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REMOVED
As of February 7, 2025, 593,332,964 shares of the registrant's Common Stock, $2.50 par value per share, were outstanding.
AIG is building on its industry leadership and is positioned to become a top-performing company recognized for the value it provides stakeholders in an environment of profound, complex and dynamic risk.
AIG's achievements in 2024 demonstrate continued strength in executing multiple, complex initiatives simultaneously and with quality.
(Corebridge) complete, a strong underwriting portfolio and culture, and excellent financial strength, AIG enters 2025 with strong momentum.
Balance Sheet Strength and Financial Flexibility with approximately $43 billion in shareholders equity and AIG Parent liquidity sources of $10.7 billion as of December 31, 2024.
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