What does U.S. other casualty — year 3 (as a percent) mean?

This represents the cumulative percentage of total expected ultimate losses for a given accident year that are paid out by the end of the third year. It is used to monitor the progression of claim settlements over time.

American International Group AIG U.S. Other Casualty — Year 3 (as a percent)

Other product segments

UK/Europe Property and Special Risks

18.7%0.0%

U.S. Financial Lines

15.7%-1.9%

UK/Europe Casualty and Financial lines

10.9%-5.2%

U.S. Workers' Compensation (before discount)

10.5%-4.5%

U.S. Property and Special Risks

10.4%-4.6%

U.S. Excess Casualty

8.3%-6.7%

UK/Europe and Japan Personal Insurance

6.9%-1.4%

U.S. Personal Insurance

4.9%+4.3%

Similar metrics at other companies

SPNTCasualty — Year 3

23.4%+1.3pp

RNRCasualty and Specialty — Average annual percentage payout, year three

12.6%+0.2pp

GLRECasualty — Year 3

29.8%+0.8pp

ASI

ASICCasualty — Unaudited Average Annual Percentage Payout of Incurred Claims by Age, Year 3

21.8%—

RNRCasualty and Specialty — Average annual percentage payout, year two

15.7%-0.6pp

WRBCasualty — Average annual percentage payout of incurred claims by age, net of reinsurance, Year 3

12.2%-0.5pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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. other casualty — year 3 (as a percent)?: American International Group (AIG) reported U.S. other casualty — year 3 (as a percent) of 11.9% in Q4 2025.
What does U.S. other casualty — year 3 (as a percent) mean?: This represents the cumulative percentage of total expected ultimate losses for a given accident year that are paid out by the end of the third year. It is used to monitor the progression of claim settlements over time.