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American International Group AIG U.S. Financial Lines — Year 2 (as a percent)

Other product segments

UK/Europe Property and Special Risks
36.7%-2.1%
U.S. Property and Special Risks
30.1%-3.2%
UK/Europe and Japan Personal Insurance
25.9%+0.4%
U.S. Personal Insurance
24.5%+7.0%
U.S. Workers' Compensation (before discount)
17%-2.9%
UK/Europe Casualty and Financial lines
13.4%-1.5%
U.S. Excess Casualty
10.6%+5.0%
U.S. Other Casualty
9.6%-1.0%

Similar metrics at other companies

Greenlight Capital RE, Ltd. logo
GLREFinancial — Year 2
51.6%-15.6pp
Skyward Specialty Insurance Group, Inc. logo
SKWDExited Lines — Year 2
12.2%-4.9pp
Axis Capital Holders logo
AXSInsurance — Year 2
38.8%—
United Fire Group logo
UFCSPersonal — Year 2
35.2%+2.2pp
Bowhead Specialty Holdings logo
BOWUnderwriting Division — Average Annual Percentage Payout of Net Losses and Loss Adjustment Expenses Incurred by Age, Year 2
14.5%+2.6pp
Skyward Specialty Insurance Group, Inc. logo
SKWDShort-tail/Monoline Specialty Lines — Year 2
38.1%+0.4pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 U.S. financial lines — year 2 (as a percent)?
American International Group (AIG) reported U.S. financial lines — year 2 (as a percent) of 14.3% in Q4 2025.
How has American International Group's U.S. financial lines — year 2 (as a percent) changed year-over-year?
American International Group's U.S. financial lines — year 2 (as a percent) increased by 2.1% year-over-year, from 14% to 14.3%.
What does U.S. financial lines — year 2 (as a percent) mean?
This metric represents the cumulative percentage of total ultimate losses paid out by the end of the second year following the accident year. It is a key component of the loss development pattern, helping to estimate how quickly liabilities are extinguished. This helps investors understand the duration and liquidity requirements of the segment's claim liabilities.