Seek Returns

AIZ vs. ALL: Assurant vs. Allstate Stock Comparison

How do Assurant (AIZ) and Allstate (ALL) 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

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

Company profile comparison for Assurant (AIZ) and Allstate (ALL)
Profile ItemAIZALL
NameAssurant Inc.The Allstate Corporation
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryMulti-line InsuranceProperty & Casualty Insurance
Market Capitalization15.06 billion USD63.05 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateFebruary 5, 2004June 3, 1993
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AIZ
ALL
GSPC
Loading price history…
Assurant (AIZ) vs. Allstate (ALL), 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

Loading price history…
Trailing total returns for Assurant (AIZ) and Allstate (ALL). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Assurant (AIZ) and Allstate (ALL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Assurant (AIZ) and Allstate (ALL)
MetricAIZALL
Total Return (1Y)42.48%27.36%
Total Return (3Y, Annualized)26.94%27.71%
Total Return (5Y, Annualized)16.38%19.82%

Risk Profile

Drawdown History

AIZ
ALL
GSPC
Loading price history…
Assurant (AIZ) vs. Allstate (ALL), 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

Loading price history…
Distribution of monthly total returns for Assurant (AIZ) and Allstate (ALL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Assurant (AIZ) and Allstate (ALL)
MetricAIZALL
Volatility (1Y, Annualized)22.42%25.96%
Beta (5Y)0.480.13
Max Drawdown (5Y)-44.63%-27.35%
Avg. Volume (3M)365.61K1.91M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
AIZ and ALL 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 Assurant (AIZ) and Allstate (ALL)
MetricAIZALL
Sharpe Ratio (1Y)1.700.89
Sortino Ratio (1Y)2.571.28

Profitability

ROE (TTM)

Allstate (ALL) at 38.93% sits in the top ROE quartile, while Assurant (AIZ) at 18.27% is closer to the peer norm — stronger capital efficiency for ALL.

AIZ

Insurance industry group

18.27%

Max
41.68%
Q3
22.04%
AIZ
18.27%
Median
14.81%
Q1
8.79%
Min
-10.66%

ALL

Insurance industry group

38.93%

Max
41.68%
ALL
38.93%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%
Loading chart…
Assurant (AIZ) vs. Allstate (ALL): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Both Assurant (AIZ) at 7.80% and Allstate (ALL) at 16.57% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

AIZ

Insurance industry group

7.80%

Max
29.92%
Q3
17.03%
Median
10.97%
AIZ
7.80%
Q1
6.21%
Min
-4.68%

ALL

Insurance industry group

16.57%

Max
29.92%
Q3
17.03%
ALL
16.57%
Median
10.97%
Q1
6.21%
Min
-4.68%
Loading chart…
Assurant (AIZ) vs. Allstate (ALL): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Assurant (AIZ) in Insurance and Allstate (ALL) 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 Assurant (AIZ) and Allstate (ALL)
MetricAIZALL
ROE (TTM)18.27%38.93%
ROA (TTM)2.57%7.68%
Net Margin (TTM)7.80%16.57%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Both Assurant (AIZ) at 7.89% and Allstate (ALL) at 5.60% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Loading chart…
Assurant (AIZ) vs. Allstate (ALL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Allstate (ALL) at 124.01% sits in the top EPS growth quartile, while Assurant (AIZ) at 17.08% is closer to the peer norm — faster per-share earnings growth for ALL.

Loading chart…
Assurant (AIZ) vs. Allstate (ALL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Assurant (AIZ) and Allstate (ALL)
MetricAIZALL
Revenue Growth (YoY)7.89%5.60%
Revenue Growth (3Y CAGR)7.93%9.84%
EPS Growth (YoY)17.08%124.01%
EPS Growth (3Y CAGR)49.67%--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Assurant (AIZ) in Insurance and Allstate (ALL) 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: Assurant (AIZ) in Insurance and Allstate (ALL) 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 Assurant (AIZ) and Allstate (ALL)
MetricAIZALL
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Assurant (AIZ) at 1.15% and Allstate (ALL) at 1.59% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

AIZ

Insurance industry group

1.15%

Max
5.12%
Q3
2.15%
AIZ
1.15%
Median
0.98%
Q1
0.00%
Min
0.00%

ALL

Insurance industry group

1.59%

Max
5.12%
Q3
2.15%
ALL
1.59%
Median
0.98%
Q1
0.00%
Min
0.00%
Loading chart…
Assurant (AIZ) vs. Allstate (ALL): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Assurant (AIZ) at 16.60% and Allstate (ALL) at 9.62% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

AIZ

Insurance industry group

16.60%

Max
76.67%
Q3
35.18%
AIZ
16.60%
Median
14.74%
Q1
0.00%
Min
0.00%

ALL

Insurance industry group

9.62%

Max
76.67%
Q3
35.18%
Median
14.74%
ALL
9.62%
Q1
0.00%
Min
0.00%
Loading chart…
Assurant (AIZ) vs. Allstate (ALL): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Assurant (AIZ) and Allstate (ALL)
MetricAIZALL
Dividend Yield (TTM)1.15%1.59%
Dividend Payout Ratio (TTM)16.60%9.62%

Valuation

P/E Ratio (TTM)

Allstate (ALL) at 5.78 sits in the cheaper P/E ratio quartile, while Assurant (AIZ) at 14.48 is closer to its industry’s usual earnings multiple — a discount for ALL, though growth and earnings durability still matter.

AIZ

Insurance industry group

14.48

Max
28.37
Q3
18.75
AIZ
14.48
Median
12.23
Q1
9.08
Min
2.32

ALL

Insurance industry group

5.78

Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
ALL
5.78
Min
2.32
Loading chart…
Assurant (AIZ) vs. Allstate (ALL): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Assurant (AIZ) at 1.10 and Allstate (ALL) at 0.90 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

AIZ

Insurance industry group

1.10

Max
4.03
Q3
2.25
Median
1.23
AIZ
1.10
Q1
0.85
Min
0.07

ALL

Insurance industry group

0.90

Max
4.03
Q3
2.25
Median
1.23
ALL
0.90
Q1
0.85
Min
0.07
Loading chart…
Assurant (AIZ) vs. Allstate (ALL): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Assurant (AIZ) at 2.52 and Allstate (ALL) at 2.09 are valued close to their industries’ norm against book — neither stands out from peers.

AIZ

Insurance industry group

2.52

Max
5.07
Q3
2.79
AIZ
2.52
Median
1.76
Q1
1.23
Min
0.30

ALL

Insurance industry group

2.09

Max
5.07
Q3
2.79
ALL
2.09
Median
1.76
Q1
1.23
Min
0.30
Loading chart…
Assurant (AIZ) vs. Allstate (ALL): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Assurant (AIZ) and Allstate (ALL)
MetricAIZALL
P/E Ratio (TTM)14.485.78
P/S Ratio (TTM)1.100.90
P/B Ratio (MRQ)2.522.09
Free Cash Flow Yield (TTM)----