AIZN vs. BRO: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AIZN and BRO, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
BRO’s market capitalization of 35.42 billion USD is significantly greater than AIZN’s 10.23 billion USD, highlighting its more substantial market valuation.
With betas of 0.60 for AIZN and 0.84 for BRO, both stocks show similar sensitivity to overall market movements.
| Symbol | AIZN | BRO |
|---|---|---|
| Company Name | Assurant, Inc. 5.25% Subordinat | Brown & Brown, Inc. |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Insurance - Brokers |
| CEO | Keith Warner Demmings | J. Powell Brown C.P.C.U. |
| Price | 20.64 USD | 108.7 USD |
| Market Cap | 10.23 billion USD | 35.42 billion USD |
| Beta | 0.60 | 0.84 |
| Exchange | NYSE | NYSE |
| IPO Date | November 25, 2020 | February 11, 1981 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AIZN and BRO 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
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.
BRO
16.03%
Insurance - Brokers Industry
- Max
- 40.40%
- Q3
- 30.52%
- Median
- 22.48%
- Q1
- 4.38%
- Min
- -5.38%
BRO’s Return on Equity of 16.03% is on par with the norm for the Insurance - Brokers industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
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.
BRO
8.92%
Insurance - Brokers Industry
- Max
- 11.62%
- Q3
- 11.18%
- Median
- 8.38%
- Q1
- 2.57%
- Min
- -1.51%
BRO’s Return on Invested Capital of 8.92% is in line with the norm for the Insurance - Brokers industry, reflecting a standard level of efficiency in generating profits from its capital base.
Net Profit Margin
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.
BRO
21.33%
Insurance - Brokers Industry
- Max
- 21.33%
- Q3
- 15.86%
- Median
- 10.63%
- Q1
- 1.06%
- Min
- -2.28%
A Net Profit Margin of 21.33% places BRO in the upper quartile for the Insurance - Brokers industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin
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.
BRO
28.73%
Insurance - Brokers Industry
- Max
- 28.73%
- Q3
- 23.24%
- Median
- 21.46%
- Q1
- 10.89%
- Min
- 5.35%
An Operating Profit Margin of 28.73% places BRO in the upper quartile for the Insurance - Brokers industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | AIZN | BRO |
|---|---|---|
| Return on Equity (TTM) | 13.02% | 16.03% |
| Return on Assets (TTM) | 1.92% | 6.16% |
| Return on Invested Capital (TTM) | 2.09% | 8.92% |
| Net Profit Margin (TTM) | 5.55% | 21.33% |
| Operating Profit Margin (TTM) | 6.78% | 28.73% |
| Gross Profit Margin (TTM) | 75.78% | 45.78% |
Financial Strength
Current Ratio
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.
BRO
1.20
Insurance - Brokers Industry
- Max
- 1.90
- Q3
- 1.76
- Median
- 1.29
- Q1
- 1.14
- Min
- 1.05
BRO’s Current Ratio of 1.20 aligns with the median group of the Insurance - Brokers industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio
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.
BRO
0.59
Insurance - Brokers Industry
- Max
- 4.59
- Q3
- 2.12
- Median
- 0.59
- Q1
- 0.07
- Min
- 0.01
BRO’s Debt-to-Equity Ratio of 0.59 is typical for the Insurance - Brokers industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio
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.
BRO
6.81
Insurance - Brokers Industry
- Max
- 29.40
- Q3
- 16.65
- Median
- 7.25
- Q1
- 4.20
- Min
- 1.60
BRO’s Interest Coverage Ratio of 6.81 is positioned comfortably within the norm for the Insurance - Brokers industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | AIZN | BRO |
|---|---|---|
| Current Ratio (TTM) | 4.41 | 1.20 |
| Quick Ratio (TTM) | 4.41 | 1.20 |
| Debt-to-Equity Ratio (TTM) | 0.40 | 0.59 |
| Debt-to-Asset Ratio (TTM) | 0.06 | 0.24 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.36 | 1.89 |
| Interest Coverage Ratio (TTM) | 7.65 | 6.81 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AIZN and BRO. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
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.
BRO
0.53%
Insurance - Brokers Industry
- Max
- 2.63%
- Q3
- 1.34%
- Median
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
BRO’s Dividend Yield of 0.53% is consistent with its peers in the Insurance - Brokers industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio
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.
BRO
15.41%
Insurance - Brokers Industry
- Max
- 45.22%
- Q3
- 39.19%
- Median
- 29.49%
- Q1
- 3.85%
- Min
- 0.00%
BRO’s Dividend Payout Ratio of 15.41% is within the typical range for the Insurance - Brokers industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AIZN | BRO |
|---|---|---|
| Dividend Yield (TTM) | 1.61% | 0.53% |
| Dividend Payout Ratio (TTM) | 23.78% | 15.41% |
Valuation
Price-to-Earnings Ratio
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.
BRO
29.81
Insurance - Brokers Industry
- Max
- 45.50
- Q3
- 35.20
- Median
- 30.00
- Q1
- 28.34
- Min
- 26.42
BRO’s P/E Ratio of 29.81 is within the middle range for the Insurance - Brokers 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
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.
BRO
2.65
Insurance - Brokers Industry
- Max
- 3.32
- Q3
- 3.00
- Median
- 2.77
- Q1
- 2.41
- Min
- 2.09
BRO’s Forward PEG Ratio of 2.65 is within the middle range of its peers in the Insurance - Brokers industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
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.
BRO
7.32
Insurance - Brokers Industry
- Max
- 7.38
- Q3
- 5.34
- Median
- 4.27
- Q1
- 2.32
- Min
- 0.27
BRO’s P/S Ratio of 7.32 is in the upper echelon for the Insurance - Brokers industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio
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.
BRO
4.51
Insurance - Brokers Industry
- Max
- 10.90
- Q3
- 8.10
- Median
- 6.93
- Q1
- 4.15
- Min
- 1.12
BRO’s P/B Ratio of 4.51 is within the conventional range for the Insurance - Brokers 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.
Valuation at a Glance
| Symbol | AIZN | BRO |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 14.80 | 29.81 |
| Forward PEG Ratio (TTM) | 1.18 | 2.65 |
| Price-to-Sales Ratio (P/S, TTM) | 0.81 | 7.32 |
| Price-to-Book Ratio (P/B, TTM) | 1.90 | 4.51 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 6.24 | 27.50 |
| EV-to-EBITDA (TTM) | 8.85 | 22.02 |
| EV-to-Sales (TTM) | 0.85 | 8.01 |