总体财务状况 - 2024年AIG的总投资额为954.85亿美元，较2023年增长5.7%[10] - 2024年AIG的现金为13.81亿美元，较2023年下降10.1%[10] - 2024年AIG的未偿保费为187.38亿美元，较2023年增长7.9%[10] - 2024年AIG的总资产为1,678.9亿美元，较2023年下降68.9%[10] - 2024年AIG的未偿赔款和赔付费用为697.83亿美元，较2023年下降1.0%[10] - 2024年AIG的总负债为1,234.15亿美元，较2023年下降74.7%[10] - 2024年AIG的AIG股东权益为444.5亿美元，较2023年下降12.1%[10] - 2024年AIG的非可赎回非控股权益为30亿美元，较2023年下降99.5%[10] - 2024年AIG的总负债和权益为1,678.9亿美元，较2023年下降68.9%[10] 第二季度财务表现 - 2024年第二季度，AIG的净投资收入为990百万美元，较去年同期增长18.2%[12] - AIG的总收入为13,323百万美元，较去年同期下降5.9%[12] - AIG的净损失为3,884百万美元，较去年同期下降328.8%[14] - AIG的其他综合收益为6,694百万美元，较去年同期增长485.3%[14] - AIG的综合收益为2,810百万美元，较去年同期增长6,000%[14] 股东权益及每股收益 - AIG的股东权益为44,445百万美元，较去年同期增长2.8%[17] - AIG的基本每股收益为-6.02美元，较去年同期下降393.2%[17] - AIG的稀释每股收益为-5.96美元，较去年同期下降393.3%[17] 上半年财务表现 - 2024年上半年，AIG的净收入为负228.4亿美元，较2023年同期的净收入160.4亿美元下降[21] - AIG的现金和受限制现金在2024年上半年为138.1亿美元，较2023年同期的153.1亿美元下降[24]

For the quarter ended June 2024, American International Group (AIG) reported revenue of $6.64 billion, down 49.5% over the same period last year. EPS came in at $1.16, compared to $1.75 in the year-ago quarter.The reported revenue represents a surprise of -45.73% over the Zacks Consensus Estimate of $12.23 billion. With the consensus EPS estimate being $1.39, the EPS surprise was -16.55%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare ...

American International Group (AIG) came out with quarterly earnings of $1.16 per share, missing the Zacks Consensus Estimate of $1.39 per share. This compares to earnings of $1.75 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -16.55%. A quarter ago, it was expected that this insurer would post earnings of $1.66 per share when it actually produced earnings of $1.77, delivering a surprise of 6.63%.Over the last four quarters, ...

业务表现 - 北美商业线净保费收入增长10%[9] - 商业线新业务创下13亿美元的纪录，同比增长18%[9] - 北美商业线保费收入同比下降19%,但可比口径下增长10%,主要受益于Lexington业务增长16%[41] - 北美个人保险保费收入同比增长8%,主要受高净值客户业务增长带动[45] - 国际商业线保费收入同比增长3%,可比口径下增长6%,主要受全球专业险、财产险和意外险业务增长带动[51] 承保表现 - 全球商业线和个人保险的意外年合并比率分别改善180个基点和130个基点[8] - 灾害损失率为5.7个百分点，前6个月为3.8个百分点，同比改善20个基点[8] - 北美商业线综合成本率上升460个基点至90.2%,主要受业务组合变化、赔付准备金利好减少和巨灾损失率上升的影响,但费用率下降部分抵消了这些因素[41] - 北美个人保险综合成本率改善760个基点至105.3%,主要受赔付率改善、赔付准备金利好以及费用率下降的影响[45] - 国际商业线综合成本率改善40个基点至88.6%,主要受赔付准备金利好以及费用率下降的影响[51] - 总体综合成本率为92.5%，同比上升1.6个百分点[109] - 综合赔付率为101.5%，较上年同期99.4%有所上升[113] - 自然灾害损失及再保费为3.3亿美元，较上年同期2.8亿美元有所增加[113] - 往年发展调整净额为-0.1亿美元，较上年同期0.2亿美元有所下降[113] - 不含自然灾害和往年发展调整的事故年综合赔付率为98.1%，较上年同期96.8%有所上升[113] 其他业务 - 其他业务调整后税前亏损同比改善1.2亿美元,主要受投资收益增加和利息费用下降的影响[59] - 公司将继续持有Corebridge的股权,并将其作为权益法核算的投资计入资产负债表[64] - 公司将在未来的财务报表中将Corebridge的股息收入计入投资收益,并剔除Corebridge股价变动的影响[64] 非GAAP财务指标 - 公司提供了多种非GAAP财务指标,包括调整后税前利润(APTI)、调整后税后利润(AATI)、调整后股东权益回报率(Adjusted return on equity)等,用于更好地反映公司的经营业绩[71][80][81] - 公司调整了股东权益账面价值,剔除了与投资相关的累计未实现损益(Investments AOCI)和与Fortitude Re相关的未实现损益,以及递延税款资产和Corebridge的权益,得到了调整后每股账面价值(Adjusted book value per share)[72][74] - 公司的总债务和优先股与总调整资本比率用于反映公司的债务杠杆水平,并剔除了与投资相关的累计未实现损益的影响[75] - 公司的事故年合并比率(Accident year combined ratio, ex-CAT)剔除了自然灾害损失和准备金开发的影响,以反映公司的基础承保业绩[83] - 公司的核心业务股东权益回报率(Core operating return on equity)剔除了投资相关的累计未实现损益、递延税款资产和Corebridge权益的影响,以更好地反映财产险业务的盈利能力[78] - 公司的调整收入(Adjusted revenues)剔除了净投资收益和非经营性诉讼和解收入的影响[79] 财务数据 - 总税前收入/净收入(包括非控股权益)为12.88亿美元[90] - 归属于AIG的税前收入/净收入为12.88亿美元[90] - 调整后税前收入/归属于AIG普通股东的调整后税后收入为20.10亿美元[90] - 每股基本收益:持续经营业务1.15美元,已终止经营业务0.90美元,归属于AIG普通股东的净收益2.05美元[92] - 每股摊薄收益:持续经营业务1.14美元,已终止经营业务0.89美元,归属于AIG普通股东的净收益2.03美元[92] - 归属于AIG普通股东的调整后每股摊薄收益为1.06美元[92] - 2023年第二季度,剔除Crop Risk Services和Validus Re的影响,归属于AIG普通股东的调整后税后收益为6.14亿美元,每股0.84美元[94] - 2024年第二季度,归属于AIG普通股东的调整后税后收益为7.75亿美元,每股1.16美元[94] - 2023年第二季度重组及其他费用增加主要是由于员工相关成本(包括遣散费)和房地产减值费用[91] - 总投资收益为8.84亿美元，较上年同期增长13.9%[95] - 一般保险投资收益为7.46亿美元，剔除Validus Re影响后为7.46亿美元[96] - 普通股东权益总额为44,445百万美元[97] - 调整后有形普通股东权益为40,653百万美元[99] - 核心营运普通股东权益为34,664百万美元[100] - 调整后每股净资产为72.78美元，较上年同期下降7.3%[101] - 核心营运每股净资产为53.35美元，较上年同期增长10.7%[101] - 总债务占总资本比率为17.2%[104] - 北美商业险和个人险原保费同比分别增长10.3%和3.4%[106,107] - 剔除农作物风险服务和Validus Re业务后,承保利润为4.2亿美元[114] - 剔除农作物风险服务和Validus Re业务后,调整后税前利润为11.01亿美元[115]

American International Group, Inc. (AIG) is set to report its second-quarter 2024 results on Jul 31, after the closing bell.The Zacks Consensus Estimate for second-quarter earnings is currently pegged at $1.39 per share, implying a decrease of 20.6% from the year-ago reported number. The estimate was revised downward by four analysts in the past month against one movement in the opposite direction, resulting in a decrease of 21.9% from $1.78 per share. The Zacks Consensus Estimate for second-quarter revenue ...

Analysts on Wall Street project that American International Group (AIG) will announce quarterly earnings of $1.39 per share in its forthcoming report, representing a decline of 20.6% year over year. Revenues are projected to reach $12.23 billion, declining 6.9% from the same quarter last year.Over the last 30 days, there has been a downward revision of 4% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their ini ...

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Product diversification helps Zacks Multiline Insurance industry players lower concentration risk, ensure uninterrupted revenue generation and improve retention ratio. Better pricing, prudent underwriting, increased exposure and faster economic recovery should benefit MetLife Inc. (MET) , American International Group Inc. (AIG) , Prudential Financial Inc. (PRU) , The Hartford Financial Services Group (HIG) and Old Republic International Corporation (ORI) . Accelerated digitalization will help in the smooth ...

American International Group, Inc. (AIG) has recently marked a major milestone with the deconsolidation of Corebridge Financial, Inc. (CRBG) for accounting purposes. It gave up majority control over Corebridge's board of directors, signified by the resignation of Chris Schaper, AIG's executive vice president and global chief underwriting officer, from Corebridge's board, which now has 12 members. This action finalizes the long-awaited separation of the two companies. For several years, AIG meticulously plan ...