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American International Group AIG U.S. Personal Insurance — 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. Workers' Compensation (before discount)
17%-2.9%
U.S. Financial Lines
14.3%+2.1%
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

United Fire Group logo
UFCSPersonal — Year 2
35.2%+2.2pp
Axis Capital Holders logo
AXSInsurance — Year 2
38.8%—
Kemper logo
KMPRPreferred Personal Automobile Insurance—Liability — Year 2
62%+1.4pp
Kemper logo
KMPRSpecialty Personal Automobile Insurance—Liability — Year 2
77%-0.8pp
Everest Group logo
EGProperty Insurance — Year two
59.2%-2.4pp
Kemper logo
KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 2
100%0.0pp

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. personal insurance — year 2 (as a percent)?
American International Group (AIG) reported U.S. personal insurance — year 2 (as a percent) of 24.5% in Q4 2025.
How has American International Group's U.S. personal insurance — year 2 (as a percent) changed year-over-year?
American International Group's U.S. personal insurance — year 2 (as a percent) increased by 7.0% year-over-year, from 22.9% to 24.5%.
What does U.S. personal insurance — 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 helps investors understand the maturity profile of the insurance portfolio's liabilities. This is a key component in modeling the cash flow requirements of the U.S. Personal Insurance segment.