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AIZ vs V

AIZ
Assurant, Inc.
NEUTRAL
Price
$233.39
Market Cap
$11.78B
Sector
Financial Services
AI Confidence
72%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
AIZ
14.47
V
28.35
Forward P/E
AIZ
11.2
V
20.79
P/B Ratio
AIZ
2.03
V
15.09
P/S Ratio
AIZ
0.94
V
14.08
EV/EBITDA
AIZ
8.39
V
20.06

Profitability

Gross Margin
AIZ
11.49%
V
97.78%
Operating Margin
AIZ
11.15%
V
68.3%
Profit Margin
AIZ
6.75%
V
50.23%
ROE
AIZ
15.41%
V
53.95%
ROA
AIZ
2.05%
V
18.36%

Growth

Revenue Growth
AIZ
8.9%
V
14.6%
Earnings Growth
AIZ
102.7%
V
17.4%

Financial Health

Debt/Equity
AIZ
0.38
V
0.55
Current Ratio
AIZ
0.41
V
1.11
Quick Ratio
AIZ
0.15
V
0.72

Dividends

Dividend Yield
AIZ
1.48%
V
0.89%
Payout Ratio
AIZ
19.5%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

AIZ vs V: Head-to-Head Comparison

This page compares Assurant, Inc. (AIZ) and Visa Inc. (V) 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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