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Assurant, Inc. (AIZ) vs Chubb Limited (CB)

Assurant, Inc. and Chubb Limited are both Insurance Property & Casualty companies. Chubb Limited is the larger, with a market value of $142.0B against $15.1B — 9.4× the size. Chubb Limited trades at the lower P/E: 12.9× against 14.2×. Assurant, Inc. grew revenue faster over the last twelve months: 9.43% against 5.70%. Chubb Limited has the higher net margin (18.2% vs 7.74%) and the higher return on invested capital (9.43% vs 0.00%). Both pay a dividend; Assurant, Inc. yields more (1.15% vs 1.07%). Across the 21 metrics below, Chubb Limited leads on 13 and Assurant, Inc. on 8.

Valuation

Metric AIZ CB Insurance Property & Casualty median
P/E 14.23 12.90 12.17
P/S 1.10 2.32 1.26
P/B 2.52 1.82 1.85
Price to free cash flow 9.11 8.04 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.03% 7.75% 8.20%
Free cash flow yield 10.98% 12.44% 11.86%

Profitability

Metric AIZ CB Insurance Property & Casualty median
Gross margin 78.07% 29.69% 37.39%
Operating margin 10.61% 23.77% 14.67%
Net margin 7.74% 18.15% 10.16%
Free cash flow margin 0.00% 28.79% 18.60%
Return on equity 18.12% 14.37% 16.59%
Return on assets 2.95% 4.06% 3.38%
Return on invested capital 0.00% 9.43% 9.43%

Growth

Metric AIZ CB Insurance Property & Casualty median
Revenue growth (TTM) 9.43% 5.70% 5.70%
EPS growth (last fiscal year) 17.08% 13.13% 39.61%
Revenue growth, 5-year CAGR 5.95% 10.54% 9.23%
Net income growth, 5-year CAGR 15.43% 23.89% 10.09%

Health

Metric AIZ CB Insurance Property & Casualty median
Debt to equity 0.37 0.28 0.25
Current ratio 0.66 0.24 0.49
Net debt to EBITDA 0.26 1.31 0.08

Dividend

Metric AIZ CB Insurance Property & Casualty median
Dividend yield 1.15% 1.07% 1.56%
Payout ratio 0.17 0.14 0.15

Size

Metric AIZ CB Insurance Property & Casualty median
Market cap 15.14b 141.99b 2.64b

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