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Assurant, Inc. (AIZ) vs W.R. Berkley Corporation (WRB)

Assurant, Inc. and W.R. Berkley Corporation are both Insurance Property & Casualty companies. W.R. Berkley Corporation is the larger, with a market value of $28.6B against $15.1B — 1.9× the size. Assurant, Inc. trades at the lower P/E: 14.2× against 16.2×. Assurant, Inc. grew revenue faster over the last twelve months: 9.43% against 1.45%. W.R. Berkley Corporation has the higher net margin (12.5% vs 7.74%) and the higher return on invested capital (14.9% vs 0.00%). Both pay a dividend; Assurant, Inc. yields more (1.15% vs 0.25%). Across the 21 metrics below, Assurant, Inc. leads on 11 and W.R. Berkley Corporation on 10.

Valuation

Metric AIZ WRB Insurance Property & Casualty median
P/E 14.23 16.20 12.17
P/S 1.10 2.01 1.26
P/B 2.52 3.11 1.85
Price to free cash flow 9.11 9.77 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.03% 6.17% 8.20%
Free cash flow yield 10.98% 10.23% 11.86%

Profitability

Metric AIZ WRB Insurance Property & Casualty median
Gross margin 78.07% 47.25% 37.39%
Operating margin 10.61% 16.58% 14.67%
Net margin 7.74% 12.53% 10.16%
Free cash flow margin 0.00% 20.59% 18.60%
Return on equity 18.12% 19.18% 16.59%
Return on assets 2.95% 4.17% 3.38%
Return on invested capital 0.00% 14.89% 9.43%

Growth

Metric AIZ WRB Insurance Property & Casualty median
Revenue growth (TTM) 9.43% 1.45% 5.70%
EPS growth (last fiscal year) 17.08% 2.06% 39.61%
Revenue growth, 5-year CAGR 5.95% 12.67% 9.23%
Net income growth, 5-year CAGR 15.43% 27.38% 10.09%

Health

Metric AIZ WRB Insurance Property & Casualty median
Debt to equity 0.37 0.30 0.25
Current ratio 0.66 0.30 0.49
Net debt to EBITDA 0.26 0.13 0.08

Dividend

Metric AIZ WRB Insurance Property & Casualty median
Dividend yield 1.15% 0.25% 1.56%
Payout ratio 0.17 0.04 0.15

Size

Metric AIZ WRB Insurance Property & Casualty median
Market cap 15.14b 28.60b 2.64b

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