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American International Group AIG Short-Duration Insurance — Ceded loss reserves

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Other financials

Income statement

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Revenue$6.7B-2.0%
Net income$763.0M+9.3%
EPS (diluted)$1.41+21.6%

Balance sheet

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Cash & equivalents$1.5B+4.4%
Total debt$10.0B+2.6%
Total equity$40.4B-2.5%
Total assets$161.54B-0.2%

Cash flow

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Operating cash flow$155.0M+377%
CapEx$60.0M+14.3%
Free cash flow$1.5B+53.0%

Valuation

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Market cap$40.07B-18.6%
P/E12.7×-2.7×
P/S1.5×-0.3×

Profitability

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Net margin11.9%+8.6pp
FCF margin21.5%

Returns & leverage

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Return on equity7.7%+5.6pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by American International Group in its filing.

Tagged under the XBRL concept us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded.

The official record: American International Group’s 10-K, filed February 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is American International Group's short-duration insurance — ceded loss reserves?
American International Group (AIG) reported short-duration insurance — ceded loss reserves of $2.65B in Q4 2025.
How has American International Group's short-duration insurance — ceded loss reserves changed year-over-year?
American International Group's short-duration insurance — ceded loss reserves decreased by 7.8% year-over-year, from $2.88B to $2.65B.
What is the long-term trend for American International Group's short-duration insurance — ceded loss reserves?
Over 4 years (2021 to 2025), American International Group's short-duration insurance — ceded loss reserves has grown at a -10.9% compound annual growth rate (CAGR), from $16.8B to $10.6B.
What does short-duration insurance — ceded loss reserves mean?
Represents the portion of total loss reserves that is expected to be covered by reinsurance agreements. This metric quantifies the extent to which the company has transferred its future claim obligations to third-party reinsurers. It is a vital component of the company's overall loss reserve adequacy and risk management framework.