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AIZ vs. BRO: Assurant vs. Brown & Brown Stock Comparison

How do Assurant (AIZ) and Brown & Brown (BRO) 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 Brown & Brown (BRO) both belong to the Insurance industry, though AIZ is classified under Multi-line Insurance while BRO falls under Insurance Brokers.

Company profile comparison for Assurant (AIZ) and Brown & Brown (BRO)
Profile ItemAIZBRO
NameAssurant Inc.Brown & Brown Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryMulti-line InsuranceInsurance Brokers
Market Capitalization15.06 billion USD23.92 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateFebruary 5, 2004February 11, 1981
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AIZ
BRO
GSPC
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Assurant (AIZ) vs. Brown & Brown (BRO), 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 Assurant (AIZ) and Brown & Brown (BRO). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Assurant (AIZ) and Brown & Brown (BRO). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Assurant (AIZ) and Brown & Brown (BRO)
MetricAIZBRO
Total Return (1Y)42.48%-8.59%
Total Return (3Y, Annualized)26.94%0.40%
Total Return (5Y, Annualized)16.38%3.19%

Risk Profile

Drawdown History

AIZ
BRO
GSPC
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Assurant (AIZ) vs. Brown & Brown (BRO), 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 Assurant (AIZ) and Brown & Brown (BRO). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Assurant (AIZ) and Brown & Brown (BRO)
MetricAIZBRO
Volatility (1Y, Annualized)22.42%32.50%
Beta (5Y)0.480.51
Max Drawdown (5Y)-44.63%-55.85%
Avg. Volume (3M)365.61K2.25M

Risk-Adjusted Performance

Risk-Return Positioning

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AIZ and BRO 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 Brown & Brown (BRO)
MetricAIZBRO
Sharpe Ratio (1Y)1.70-0.40
Sortino Ratio (1Y)2.57-0.57

Profitability

ROE (TTM)

Both Assurant (AIZ) at 18.27% and Brown & Brown (BRO) at 9.80% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

AIZ

Insurance industry group

18.27%

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

BRO

Insurance industry group

9.80%

Max
41.68%
Q3
22.04%
Median
14.81%
BRO
9.80%
Q1
8.79%
Min
-10.66%
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Assurant (AIZ) vs. Brown & Brown (BRO): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Brown & Brown (BRO) at 17.88% retains a top-quartile share of revenue as profit, ahead of Assurant (AIZ) at 7.80%, which keeps about the industry-typical share.

AIZ

Insurance industry group

7.80%

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

BRO

Insurance industry group

17.88%

Max
29.92%
BRO
17.88%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Assurant (AIZ) vs. Brown & Brown (BRO): 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 Brown & Brown (BRO) 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 Brown & Brown (BRO)
MetricAIZBRO
ROE (TTM)18.27%9.80%
ROA (TTM)2.57%3.89%
Net Margin (TTM)7.80%17.88%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Brown & Brown (BRO) at 22.49% sits in the top revenue growth quartile, while Assurant (AIZ) at 7.89% is closer to the peer norm — faster top-line expansion for BRO.

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Assurant (AIZ) vs. Brown & Brown (BRO): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Assurant (AIZ) at 17.08% and Brown & Brown (BRO) at -8.67% 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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Assurant (AIZ) vs. Brown & Brown (BRO): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Assurant (AIZ) and Brown & Brown (BRO)
MetricAIZBRO
Revenue Growth (YoY)7.89%22.49%
Revenue Growth (3Y CAGR)7.93%17.38%
EPS Growth (YoY)17.08%-8.67%
EPS Growth (3Y CAGR)49.67%10.06%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Assurant (AIZ) in Insurance and Brown & Brown (BRO) 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 Brown & Brown (BRO) 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 Brown & Brown (BRO)
MetricAIZBRO
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Assurant (AIZ) at 1.15% and Brown & Brown (BRO) at 0.89% 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%

BRO

Insurance industry group

0.89%

Max
5.12%
Q3
2.15%
Median
0.98%
BRO
0.89%
Q1
0.00%
Min
0.00%
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Assurant (AIZ) vs. Brown & Brown (BRO): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Assurant (AIZ) at 16.60% and Brown & Brown (BRO) at 20.89% 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%

BRO

Insurance industry group

20.89%

Max
76.67%
Q3
35.18%
BRO
20.89%
Median
14.74%
Q1
0.00%
Min
0.00%
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Assurant (AIZ) vs. Brown & Brown (BRO): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Assurant (AIZ) and Brown & Brown (BRO)
MetricAIZBRO
Dividend Yield (TTM)1.15%0.89%
Dividend Payout Ratio (TTM)16.60%20.89%

Valuation

P/E Ratio (TTM)

Assurant (AIZ) at 14.48 is near its industry’s usual P/E ratio, while Brown & Brown (BRO) at 22.82 sits in the richer quartile — BRO needs stronger growth or earnings quality to justify the premium.

AIZ

Insurance industry group

14.48

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

BRO

Insurance industry group

22.82

Max
28.37
BRO
22.82
Q3
18.75
Median
12.23
Q1
9.08
Min
2.32
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Assurant (AIZ) vs. Brown & Brown (BRO): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Assurant (AIZ) at 1.10 is priced about in line with its industry on P/S ratio, while Brown & Brown (BRO) at 3.51 sits in the pricier quartile — BRO costs more per dollar of sales.

AIZ

Insurance industry group

1.10

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

BRO

Insurance industry group

3.51

Max
4.03
BRO
3.51
Q3
2.25
Median
1.23
Q1
0.85
Min
0.07
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Assurant (AIZ) vs. Brown & Brown (BRO): 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 Brown & Brown (BRO) at 1.87 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

BRO

Insurance industry group

1.87

Max
5.07
Q3
2.79
BRO
1.87
Median
1.76
Q1
1.23
Min
0.30
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Assurant (AIZ) vs. Brown & Brown (BRO): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Assurant (AIZ) and Brown & Brown (BRO)
MetricAIZBRO
P/E Ratio (TTM)14.4822.82
P/S Ratio (TTM)1.103.51
P/B Ratio (MRQ)2.521.87
Free Cash Flow Yield (TTM)----