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AIGPrudential Financial

AIG vs Prudential Financial

This page compares AIG and Prudential Financial to help you understand how their business models, financial performance, and market context relate to one another. By presenting objective information o...

Why It's Moving

AIG

AIG Accelerates Growth with Strategic CVC Partnership

  • The tie-up targets wider market reach, potentially enhancing AIG's earnings profile through diversified revenue streams.
  • Investors eye the collaboration as a catalyst for long-term margin recovery in a competitive insurance landscape.
  • AIG also set its Q4 and full-year 2025 earnings release for February 10, keeping focus on upcoming financials.
Sentiment:
🐃Bullish
Prudential Financial

Prudential Financial faces headwinds from Japan leadership shakeup amid softer investment returns.

  • Japan CEO exit tied to staff misconduct fuels governance concerns, potentially denting confidence in Prudential's Asia operations.
  • PGIM AUM reached $1.47 trillion, but softer alternative investment income signals challenges in generating yields from the general account.
  • Preliminary unaudited Q4 figures heighten focus on execution risks ahead of full earnings, amid rising regulatory pressures.
Sentiment:
🐻Bearish

Investment Analysis

AIG

AIG

AIG

Pros

  • AIG reported a 77% increase in adjusted after-tax income per diluted share in Q3 2025, driven by strong underwriting performance and disciplined capital deployment.
  • The company delivered an improved combined ratio of 86.8%, reflecting enhanced underwriting profitability across its business segments.
  • AIG is actively returning capital to shareholders through significant share repurchases and dividends, supporting earnings per share growth despite modest overall earnings increase.

Considerations

  • Despite margin improvements, AIG's projected earnings growth is modest, relying heavily on cost management and buybacks rather than strong revenue expansion.
  • AIG’s return on equity remains moderate at 5.0%, with core operating ROE at 13.6%, indicating room for improvement in generating shareholder returns.
  • The stock’s valuation is below the broader insurance industry average but could reflect market concerns about slower top-line and profit growth.
Prudential Financial

Pros

  • Prudential Financial is a leading US insurance provider with diversified operations including insurance, retirement planning, and investment management.
  • It has a large asset base totaling $815.1 billion, supporting its capacity to meet long-term obligations and invest in growth initiatives.
  • The company benefits from strong brand recognition and a broad international presence across over 40 countries, enhancing its market reach.

Considerations

  • Prudential's business is exposed to regulatory risks and market volatility given its substantial investment management activities.
  • The company faces ongoing competitive pressures in the insurance sector, which could impact underwriting margins and premium growth.
  • Prudential’s past acquisitions from AIG imply significant integration and execution risks which could affect operational efficiencies and profitability.

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Aimee Silverwood | Financial Analyst

July 25, 2025

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AIG (AIG) Next Earnings Date

AIG's next earnings date is estimated for Tuesday, February 10, 2026, after market close, covering the fiscal quarter ending December 2025. This date aligns with the company's historical pattern of reporting Q4 results in early to mid-February. Confirmation from AIG is pending, with a conference call likely to follow.

Prudential Financial (PRU) Next Earnings Date

Prudential Financial (PRU) will release its next earnings report for the fourth quarter of 2025 on Tuesday, February 3, 2026, after market close. A conference call is scheduled for the following day at 11:00 AM ET. This date has been officially announced by the company, aligning with analyst estimates.

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