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AIZ vs. MKL: Assurant vs. Markel Stock Comparison

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

Company profile comparison for Assurant (AIZ) and Markel (MKL)
Profile ItemAIZMKL
NameAssurant Inc.Markel Group Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryMulti-line InsuranceProperty & Casualty Insurance
Market Capitalization15.06 billion USD23.71 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateFebruary 5, 2004December 12, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AIZ
MKL
GSPC
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Assurant (AIZ) vs. Markel (MKL), 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 Markel (MKL). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Assurant (AIZ) and Markel (MKL)
MetricAIZMKL
Total Return (1Y)42.48%-4.35%
Total Return (3Y, Annualized)26.94%13.21%
Total Return (5Y, Annualized)16.38%8.36%

Risk Profile

Drawdown History

AIZ
MKL
GSPC
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Assurant (AIZ) vs. Markel (MKL), 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 Markel (MKL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Assurant (AIZ) and Markel (MKL)
MetricAIZMKL
Volatility (1Y, Annualized)22.42%18.61%
Beta (5Y)0.480.57
Max Drawdown (5Y)-44.63%-28.87%
Avg. Volume (3M)365.61K66.79K

Risk-Adjusted Performance

Risk-Return Positioning

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AIZ and MKL 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 Markel (MKL)
MetricAIZMKL
Sharpe Ratio (1Y)1.70-0.46
Sortino Ratio (1Y)2.57-0.60

Profitability

ROE (TTM)

Both Assurant (AIZ) at 18.27% and Markel (MKL) at 9.75% 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%

MKL

Insurance industry group

9.75%

Max
41.68%
Q3
22.04%
Median
14.81%
MKL
9.75%
Q1
8.79%
Min
-10.66%
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Assurant (AIZ) vs. Markel (MKL): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Both Assurant (AIZ) at 7.80% and Markel (MKL) at 11.13% 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%

MKL

Insurance industry group

11.13%

Max
29.92%
Q3
17.03%
MKL
11.13%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Assurant (AIZ) vs. Markel (MKL): 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 Markel (MKL) 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 Markel (MKL)
MetricAIZMKL
ROE (TTM)18.27%9.75%
ROA (TTM)2.57%2.21%
Net Margin (TTM)7.80%11.13%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Assurant (AIZ) at 7.89% is around its peer norm for revenue growth, while Markel (MKL) at -2.49% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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Assurant (AIZ) vs. Markel (MKL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Assurant (AIZ) at 17.08% is around its peer norm for EPS growth, while Markel (MKL) at -15.10% drops into the bottom quartile, signaling weaker earnings momentum.

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Assurant (AIZ) vs. Markel (MKL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Assurant (AIZ) and Markel (MKL)
MetricAIZMKL
Revenue Growth (YoY)7.89%-2.49%
Revenue Growth (3Y CAGR)7.93%11.40%
EPS Growth (YoY)17.08%-15.10%
EPS Growth (3Y CAGR)49.67%--

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

Markel (MKL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Assurant (AIZ) reports a yield of 1.15%, ranking against industry peers normally.

AIZ

Insurance industry group

1.15%

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

MKL

Insurance industry group

0.00%

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

Dividend Payout Ratio (TTM)

Markel (MKL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Assurant (AIZ) reports a payout of 16.60%, ranking against industry peers normally.

AIZ

Insurance industry group

16.60%

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

MKL

Insurance industry group

0.00%

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

Dividend Metrics

Dividend metrics for Assurant (AIZ) and Markel (MKL)
MetricAIZMKL
Dividend Yield (TTM)1.15%0.00%
Dividend Payout Ratio (TTM)16.60%0.00%

Valuation

P/E Ratio (TTM)

Both Assurant (AIZ) at 14.48 and Markel (MKL) at 13.80 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

AIZ

Insurance industry group

14.48

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

MKL

Insurance industry group

13.80

Max
28.37
Q3
18.75
MKL
13.80
Median
12.23
Q1
9.08
Min
2.32
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Assurant (AIZ) vs. Markel (MKL): 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 Markel (MKL) at 1.47 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

MKL

Insurance industry group

1.47

Max
4.03
Q3
2.25
MKL
1.47
Median
1.23
Q1
0.85
Min
0.07
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Assurant (AIZ) vs. Markel (MKL): 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 Markel (MKL) at 1.28 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

MKL

Insurance industry group

1.28

Max
5.07
Q3
2.79
Median
1.76
MKL
1.28
Q1
1.23
Min
0.30
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Assurant (AIZ) vs. Markel (MKL): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Assurant (AIZ) and Markel (MKL)
MetricAIZMKL
P/E Ratio (TTM)14.4813.80
P/S Ratio (TTM)1.101.47
P/B Ratio (MRQ)2.521.28
Free Cash Flow Yield (TTM)----