AFGD vs. AIZN: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFGD and AIZN, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AFGD’s market capitalization stands at 10.67 billion USD, while AIZN’s is 10.23 billion USD, indicating their market valuations are broadly comparable.
With betas of 0.72 for AFGD and 0.60 for AIZN, both stocks show similar sensitivity to overall market movements.
| Symbol | AFGD | AIZN |
|---|---|---|
| Company Name | American Financial Group, Inc. | Assurant, Inc. 5.25% Subordinat |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Diversified |
| CEO | Stephen Craig Lindner | Keith Warner Demmings |
| Price | 20.95 USD | 20.64 USD |
| Market Cap | 10.67 billion USD | 10.23 billion USD |
| Beta | 0.72 | 0.60 |
| Exchange | NYSE | NYSE |
| IPO Date | June 4, 2020 | November 25, 2020 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AFGD and AIZN by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AFGD
17.81%
Insurance - Property & Casualty Industry
- Max
- 28.14%
- Q3
- 17.51%
- Median
- 12.75%
- Q1
- 8.26%
- Min
- 0.61%
In the upper quartile for the Insurance - Property & Casualty industry, AFGD’s Return on Equity of 17.81% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
AIZN
13.02%
Insurance - Diversified Industry
- Max
- 19.59%
- Q3
- 17.66%
- Median
- 12.77%
- Q1
- 7.56%
- Min
- -4.43%
AIZN’s Return on Equity of 13.02% is on par with the norm for the Insurance - Diversified industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
AFGD
27.67%
Insurance - Property & Casualty Industry
- Max
- 21.89%
- Q3
- 10.09%
- Median
- 3.90%
- Q1
- 0.89%
- Min
- -7.26%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Property & Casualty industry.
AIZN
2.09%
Insurance - Diversified Industry
- Max
- 32.46%
- Q3
- 16.21%
- Median
- 9.46%
- Q1
- 2.09%
- Min
- -10.51%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Diversified industry.
Net Profit Margin
AFGD
13.06%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
AFGD’s Net Profit Margin of 13.06% is aligned with the median group of its peers in the Insurance - Property & Casualty industry. This indicates its ability to convert revenue into profit is typical for the sector.
AIZN
5.55%
Insurance - Diversified Industry
- Max
- 26.00%
- Q3
- 19.46%
- Median
- 9.37%
- Q1
- 5.55%
- Min
- -7.05%
AIZN’s Net Profit Margin of 5.55% is aligned with the median group of its peers in the Insurance - Diversified industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin
AFGD
14.02%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
AFGD’s Operating Profit Margin of 14.02% is around the midpoint for the Insurance - Property & Casualty industry, indicating that its efficiency in managing core business operations is typical for the sector.
AIZN
6.78%
Insurance - Diversified Industry
- Max
- 44.52%
- Q3
- 25.84%
- Median
- 14.16%
- Q1
- 6.78%
- Min
- -2.60%
AIZN’s Operating Profit Margin of 6.78% is around the midpoint for the Insurance - Diversified industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | AFGD | AIZN |
|---|---|---|
| Return on Equity (TTM) | 17.81% | 13.02% |
| Return on Assets (TTM) | 2.64% | 1.92% |
| Return on Invested Capital (TTM) | 27.67% | 2.09% |
| Net Profit Margin (TTM) | 13.06% | 5.55% |
| Operating Profit Margin (TTM) | 14.02% | 6.78% |
| Gross Profit Margin (TTM) | 69.59% | 75.78% |
Financial Strength
Current Ratio
AFGD
--
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
Current Ratio data for AFGD is currently unavailable.
AIZN
4.41
Insurance - Diversified Industry
- Max
- 4.41
- Q3
- 4.03
- Median
- 2.86
- Q1
- 2.82
- Min
- 2.82
AIZN’s Current Ratio of 4.41 is in the upper quartile for the Insurance - Diversified industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
Debt-to-Equity Ratio
AFGD
0.34
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
AFGD’s Debt-to-Equity Ratio of 0.34 is typical for the Insurance - Property & Casualty industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
AIZN
0.40
Insurance - Diversified Industry
- Max
- 0.54
- Q3
- 0.39
- Median
- 0.27
- Q1
- 0.21
- Min
- 0.13
AIZN’s leverage is in the upper quartile of the Insurance - Diversified industry, with a Debt-to-Equity Ratio of 0.40. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
AFGD
11.29
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
AFGD’s Interest Coverage Ratio of 11.29 is positioned comfortably within the norm for the Insurance - Property & Casualty industry, indicating a standard and healthy capacity to cover its interest payments.
AIZN
7.65
Insurance - Diversified Industry
- Max
- 19.23
- Q3
- 17.46
- Median
- 7.97
- Q1
- 4.61
- Min
- -1.63
AIZN’s Interest Coverage Ratio of 7.65 is positioned comfortably within the norm for the Insurance - Diversified industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | AFGD | AIZN |
|---|---|---|
| Current Ratio (TTM) | -- | 4.41 |
| Quick Ratio (TTM) | -- | 4.41 |
| Debt-to-Equity Ratio (TTM) | 0.34 | 0.40 |
| Debt-to-Asset Ratio (TTM) | 0.05 | 0.06 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.31 | 0.36 |
| Interest Coverage Ratio (TTM) | 11.29 | 7.65 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AFGD and AIZN. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AFGD
7.15%
Insurance - Property & Casualty Industry
- Max
- 8.17%
- Q3
- 3.10%
- Median
- 1.79%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 7.15%, AFGD offers a more attractive income stream than most of its peers in the Insurance - Property & Casualty industry, signaling a strong commitment to shareholder returns.
AIZN
1.61%
Insurance - Diversified Industry
- Max
- 8.16%
- Q3
- 5.54%
- Median
- 2.46%
- Q1
- 1.59%
- Min
- 0.00%
AIZN’s Dividend Yield of 1.61% is consistent with its peers in the Insurance - Diversified industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio
AFGD
94.24%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
AFGD’s Dividend Payout Ratio of 94.24% is in the upper quartile for the Insurance - Property & Casualty industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
AIZN
23.78%
Insurance - Diversified Industry
- Max
- 101.86%
- Q3
- 53.36%
- Median
- 21.69%
- Q1
- 5.33%
- Min
- 0.00%
AIZN’s Dividend Payout Ratio of 23.78% is within the typical range for the Insurance - Diversified industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AFGD | AIZN |
|---|---|---|
| Dividend Yield (TTM) | 7.15% | 1.61% |
| Dividend Payout Ratio (TTM) | 94.24% | 23.78% |
Valuation
Price-to-Earnings Ratio
AFGD
13.36
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
AFGD’s P/E Ratio of 13.36 is within the middle range for the Insurance - Property & Casualty industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
AIZN
14.80
Insurance - Diversified Industry
- Max
- 18.52
- Q3
- 16.13
- Median
- 13.33
- Q1
- 9.73
- Min
- 2.62
AIZN’s P/E Ratio of 14.80 is within the middle range for the Insurance - Diversified industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Forward P/E to Growth Ratio
AFGD
1.41
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
AFGD’s Forward PEG Ratio of 1.41 is within the middle range of its peers in the Insurance - Property & Casualty industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
AIZN
1.18
Insurance - Diversified Industry
- Max
- 2.60
- Q3
- 2.07
- Median
- 1.20
- Q1
- 0.77
- Min
- 0.04
AIZN’s Forward PEG Ratio of 1.18 is within the middle range of its peers in the Insurance - Diversified industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
AFGD
1.74
Insurance - Property & Casualty Industry
- Max
- 3.76
- Q3
- 2.39
- Median
- 1.80
- Q1
- 1.01
- Min
- 0.50
The P/S Ratio is often not a primary valuation tool in the Insurance - Property & Casualty industry.
AIZN
0.81
Insurance - Diversified Industry
- Max
- 3.08
- Q3
- 2.00
- Median
- 1.15
- Q1
- 1.07
- Min
- 0.38
In the lower quartile for the Insurance - Diversified industry, AIZN’s P/S Ratio of 0.81 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
Price-to-Book Ratio
AFGD
2.43
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
AFGD’s P/B Ratio of 2.43 is within the conventional range for the Insurance - Property & Casualty industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
AIZN
1.90
Insurance - Diversified Industry
- Max
- 2.12
- Q3
- 1.80
- Median
- 1.59
- Q1
- 1.29
- Min
- 0.74
AIZN’s P/B Ratio of 1.90 is in the upper tier for the Insurance - Diversified industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | AFGD | AIZN |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 13.36 | 14.80 |
| Forward PEG Ratio (TTM) | 1.41 | 1.18 |
| Price-to-Sales Ratio (P/S, TTM) | 1.74 | 0.81 |
| Price-to-Book Ratio (P/B, TTM) | 2.43 | 1.90 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 7.47 | 6.24 |
| EV-to-EBITDA (TTM) | 16.68 | 8.85 |
| EV-to-Sales (TTM) | 1.77 | 0.85 |