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AIZ vs MA

AIZ
Assurant, Inc.
NEUTRAL
Price
$233.39
Market Cap
$11.78B
Sector
Financial Services
AI Confidence
72%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AIZ
14.47
MA
30.28
Forward P/E
AIZ
11.2
MA
22.05
P/B Ratio
AIZ
2.03
MA
57.74
P/S Ratio
AIZ
0.94
MA
13.6
EV/EBITDA
AIZ
8.39
MA
22.13

Profitability

Gross Margin
AIZ
11.49%
MA
100.0%
Operating Margin
AIZ
11.15%
MA
57.73%
Profit Margin
AIZ
6.75%
MA
45.65%
ROE
AIZ
15.41%
MA
209.91%
ROA
AIZ
2.05%
MA
23.72%

Growth

Revenue Growth
AIZ
8.9%
MA
17.6%
Earnings Growth
AIZ
102.7%
MA
24.2%

Financial Health

Debt/Equity
AIZ
0.38
MA
2.56
Current Ratio
AIZ
0.41
MA
1.03
Quick Ratio
AIZ
0.15
MA
0.68

Dividends

Dividend Yield
AIZ
1.48%
MA
0.7%
Payout Ratio
AIZ
19.5%
MA
18.4%

AI Verdict

AIZ NEUTRAL

Assurant (AIZ) shows mixed financial health with a weak Piotroski F-Score of 4/9, indicating borderline stability, and lacks an Altman Z-Score, limiting distress risk assessment. The stock trades above its Graham Number of $204.04 at $233.39, suggesting a modest premium, but below the analyst target of $259.33. Strong earnings growth (YoY +102.7%) and consistent earnings beat rates (3 of last 4 quarters) support valuation, yet weak technicals (10/100) and negative insider activity raise caution. Profitability metrics like ROE (15.41%) and low debt/equity (0.38) are positives, but liquidity concerns are evident in a weak current ratio (0.41) and quick ratio (0.15).

Strengths
Strong year-over-year earnings growth of 102.7% supported by consistent quarterly beats (average surprise of 18.41% over last 4 quarters)
Attractive valuation relative to sector with P/E of 14.47 vs. sector average of 21.69
Low leverage with Debt/Equity ratio of 0.38, well below sector average of 2.02
Risks
Weak Piotroski F-Score of 4/9 suggests deteriorating financial health and limited operational strength
Extremely low liquidity ratios: Current Ratio of 0.41 and Quick Ratio of 0.15 indicate potential short-term solvency concerns
Missing Altman Z-Score prevents reliable distress risk assessment, a critical gap for financial firms
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

AIZ vs MA: Head-to-Head Comparison

This page compares Assurant, Inc. (AIZ) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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