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Compared to Estimates, American International Group (AIG) Q3 Earnings: A Look at Key Metrics

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American International Group (AIG - Free Report) reported $7.51 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 6.5%. EPS of $2.06 for the same period compares to $2.20 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $7.45 billion, representing a surprise of +0.85%. The company delivered an EPS surprise of +11.35%, with the consensus EPS estimate being $1.85.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how American International Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • General Insurance - North America Commercial - Loss ratio: 69.5% compared to the 67.5% average estimate based on three analysts.
  • General Insurance - International Commercial - Combined ratio: 88.3% compared to the 90.9% average estimate based on three analysts.
  • General Insurance - North America Commercial - Combined ratio: 92.9% versus 90.8% estimated by three analysts on average.
  • General Insurance - International Commercial - Expense ratio: 30.6% compared to the 31% average estimate based on three analysts.
  • General Insurance - Loss ratio: 60.7% compared to the 61.7% average estimate based on three analysts.
  • Revenues- Total net investment income: $1.1 billion compared to the $986.06 million average estimate based on three analysts. The reported number represents a change of +42.5% year over year.
  • General Insurance- North America Commercial- Net premiums earned: $2.36 billion compared to the $2.41 billion average estimate based on three analysts. The reported number represents a change of +7.5% year over year.
  • General Insurance- International Commercial- Net premiums earned: $2.41 billion compared to the $2.36 billion average estimate based on three analysts. The reported number represents a change of +10% year over year.
  • General Insurance- Global Personal- Net premiums earned: $1.67 billion versus $1.66 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +0.7% change.
  • General Insurance- Net investment income: $1.03 billion versus the three-analyst average estimate of $915.52 million. The reported number represents a year-over-year change of +9.2%.
  • Other Operations- Net investment income and other: $45 million versus the three-analyst average estimate of $36.54 million. The reported number represents a year-over-year change of -37.5%.
  • General Insurance- Net premiums earned: $6.44 billion versus the three-analyst average estimate of $6.42 billion. The reported number represents a year-over-year change of +6.5%.

View all Key Company Metrics for American International Group here>>>

Shares of American International Group have returned +9.7% over the past month versus the Zacks S&P 500 composite's -2.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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