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AFG vs. AIZ: American Financial vs. Assurant Stock Comparison

How do American Financial (AFG) and Assurant (AIZ) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

American Financial (AFG) and Assurant (AIZ) both belong to the Insurance industry, though AFG is classified under Property & Casualty Insurance while AIZ falls under Multi-line Insurance.

Company profile comparison for American Financial (AFG) and Assurant (AIZ)
Profile ItemAFGAIZ
NameAmerican Financial Group IncAssurant Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryProperty & Casualty InsuranceMulti-line Insurance
Market Capitalization12.79 billion USD15.06 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980February 5, 2004
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFG
AIZ
GSPC
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American Financial (AFG) vs. Assurant (AIZ), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for American Financial (AFG) and Assurant (AIZ). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for American Financial (AFG) and Assurant (AIZ). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for American Financial (AFG) and Assurant (AIZ)
MetricAFGAIZ
Total Return (1Y)15.92%42.48%
Total Return (3Y, Annualized)20.24%26.94%
Total Return (5Y, Annualized)9.64%16.38%

Risk Profile

Drawdown History

AFG
AIZ
GSPC
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American Financial (AFG) vs. Assurant (AIZ), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for American Financial (AFG) and Assurant (AIZ). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for American Financial (AFG) and Assurant (AIZ)
MetricAFGAIZ
Volatility (1Y, Annualized)17.44%22.42%
Beta (5Y)0.550.48
Max Drawdown (5Y)-23.85%-44.63%
Avg. Volume (3M)386.95K365.61K

Risk-Adjusted Performance

Risk-Return Positioning

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AFG and AIZ are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for American Financial (AFG) and Assurant (AIZ)
MetricAFGAIZ
Sharpe Ratio (1Y)0.671.70
Sortino Ratio (1Y)1.022.57

Profitability

ROE (TTM)

Both American Financial (AFG) at 21.57% and Assurant (AIZ) at 18.27% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

AFG

Insurance industry group

21.57%

Max
41.68%
Q3
22.04%
AFG
21.57%
Median
14.81%
Q1
8.79%
Min
-10.66%

AIZ

Insurance industry group

18.27%

Max
41.68%
Q3
22.04%
AIZ
18.27%
Median
14.81%
Q1
8.79%
Min
-10.66%
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American Financial (AFG) vs. Assurant (AIZ): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Both American Financial (AFG) at 12.28% and Assurant (AIZ) at 7.80% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

AFG

Insurance industry group

12.28%

Max
29.92%
Q3
17.03%
AFG
12.28%
Median
10.97%
Q1
6.21%
Min
-4.68%

AIZ

Insurance industry group

7.80%

Max
29.92%
Q3
17.03%
Median
10.97%
AIZ
7.80%
Q1
6.21%
Min
-4.68%
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American Financial (AFG) vs. Assurant (AIZ): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for American Financial (AFG) in Insurance and Assurant (AIZ) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for American Financial (AFG) and Assurant (AIZ)
MetricAFGAIZ
ROE (TTM)21.57%18.27%
ROA (TTM)2.55%2.57%
Net Margin (TTM)12.28%7.80%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Assurant (AIZ) at 7.89% is around its peer norm for revenue growth, while American Financial (AFG) at -1.93% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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American Financial (AFG) vs. Assurant (AIZ): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both American Financial (AFG) at -4.57% and Assurant (AIZ) at 17.08% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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American Financial (AFG) vs. Assurant (AIZ): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for American Financial (AFG) and Assurant (AIZ)
MetricAFGAIZ
Revenue Growth (YoY)-1.93%7.89%
Revenue Growth (3Y CAGR)6.22%7.93%
EPS Growth (YoY)-4.57%17.08%
EPS Growth (3Y CAGR)-1.45%49.67%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: American Financial (AFG) in Insurance and Assurant (AIZ) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: American Financial (AFG) in Insurance and Assurant (AIZ) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for American Financial (AFG) and Assurant (AIZ)
MetricAFGAIZ
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

American Financial (AFG) at 2.31% delivers top-quartile income for its industry, while Assurant (AIZ) at 1.15% pays a more typical yield — both are credible income propositions, AFG the richer one.

AFG

Insurance industry group

2.31%

Max
5.12%
AFG
2.31%
Q3
2.15%
Median
0.98%
Q1
0.00%
Min
0.00%

AIZ

Insurance industry group

1.15%

Max
5.12%
Q3
2.15%
AIZ
1.15%
Median
0.98%
Q1
0.00%
Min
0.00%
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American Financial (AFG) vs. Assurant (AIZ): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both American Financial (AFG) at 28.71% and Assurant (AIZ) at 16.60% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

AFG

Insurance industry group

28.71%

Max
76.67%
Q3
35.18%
AFG
28.71%
Median
14.74%
Q1
0.00%
Min
0.00%

AIZ

Insurance industry group

16.60%

Max
76.67%
Q3
35.18%
AIZ
16.60%
Median
14.74%
Q1
0.00%
Min
0.00%
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American Financial (AFG) vs. Assurant (AIZ): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for American Financial (AFG) and Assurant (AIZ)
MetricAFGAIZ
Dividend Yield (TTM)2.31%1.15%
Dividend Payout Ratio (TTM)28.71%16.60%

Valuation

P/E Ratio (TTM)

Both American Financial (AFG) at 12.61 and Assurant (AIZ) at 14.48 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

AFG

Insurance industry group

12.61

Max
28.37
Q3
18.75
AFG
12.61
Median
12.23
Q1
9.08
Min
2.32

AIZ

Insurance industry group

14.48

Max
28.37
Q3
18.75
AIZ
14.48
Median
12.23
Q1
9.08
Min
2.32
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American Financial (AFG) vs. Assurant (AIZ): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both American Financial (AFG) at 1.54 and Assurant (AIZ) at 1.10 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

AFG

Insurance industry group

1.54

Max
4.03
Q3
2.25
AFG
1.54
Median
1.23
Q1
0.85
Min
0.07

AIZ

Insurance industry group

1.10

Max
4.03
Q3
2.25
Median
1.23
AIZ
1.10
Q1
0.85
Min
0.07
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American Financial (AFG) vs. Assurant (AIZ): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both American Financial (AFG) at 2.71 and Assurant (AIZ) at 2.52 are valued close to their industries’ norm against book — neither stands out from peers.

AFG

Insurance industry group

2.71

Max
5.07
Q3
2.79
AFG
2.71
Median
1.76
Q1
1.23
Min
0.30

AIZ

Insurance industry group

2.52

Max
5.07
Q3
2.79
AIZ
2.52
Median
1.76
Q1
1.23
Min
0.30
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American Financial (AFG) vs. Assurant (AIZ): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for American Financial (AFG) and Assurant (AIZ)
MetricAFGAIZ
P/E Ratio (TTM)12.6114.48
P/S Ratio (TTM)1.541.10
P/B Ratio (MRQ)2.712.52
Free Cash Flow Yield (TTM)----