Assurant, Inc. (AIZ) vs The Travelers Companies, Inc. (TRV)

Assurant, Inc. and The Travelers Companies, Inc. are both Insurance Property & Casualty companies. The Travelers Companies, Inc. is the larger, with a market value of $82.6B against $15.1B — 5.5× the size. The Travelers Companies, Inc. trades at the lower P/E: 10.4× against 14.2×. Assurant, Inc. grew revenue faster over the last twelve months: 9.43% against 1.07%. The Travelers Companies, Inc. has the higher net margin (16.9% vs 7.74%) and the higher return on invested capital (17.8% vs 0.00%). Both pay a dividend; The Travelers Companies, Inc. yields more (1.17% vs 1.15%). Across the 21 metrics below, The Travelers Companies, Inc. leads on 15 and Assurant, Inc. on 6.

Valuation

Metric AIZ TRV Insurance Property & Casualty median
P/E 14.23 10.38 12.17
P/S 1.10 1.70 1.26
P/B 2.52 2.87 1.85
Price to free cash flow 9.11 7.82 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.03% 9.63% 8.20%
Free cash flow yield 10.98% 12.78% 11.86%

Profitability

Metric AIZ TRV Insurance Property & Casualty median
Gross margin 78.07% 49.67% 37.39%
Operating margin 10.61% 22.12% 14.67%
Net margin 7.74% 16.91% 10.16%
Free cash flow margin 0.00% 21.74% 18.60%
Return on equity 18.12% 27.30% 16.59%
Return on assets 2.95% 5.79% 3.38%
Return on invested capital 0.00% 17.78% 9.43%

Growth

Metric AIZ TRV Insurance Property & Casualty median
Revenue growth (TTM) 9.43% 1.07% 5.70%
EPS growth (last fiscal year) 17.08% 27.76% 39.61%
Revenue growth, 5-year CAGR 5.95% 8.83% 9.23%
Net income growth, 5-year CAGR 15.43% 18.44% 10.09%

Health

Metric AIZ TRV Insurance Property & Casualty median
Debt to equity 0.37 0.34 0.25
Current ratio 0.66 0.27 0.49
Net debt to EBITDA 0.26 0.52 0.08

Dividend

Metric AIZ TRV Insurance Property & Casualty median
Dividend yield 1.15% 1.17% 1.56%
Payout ratio 0.17 0.12 0.15

Size

Metric AIZ TRV Insurance Property & Casualty median
Market cap 15.14b 82.57b 2.64b

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