AIZN vs. SLF: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AIZN and SLF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
SLF’s market capitalization of 36.98 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 0.88 for SLF, both stocks show similar sensitivity to overall market movements.
| Symbol | AIZN | SLF |
|---|---|---|
| Company Name | Assurant, Inc. 5.25% Subordinat | Sun Life Financial Inc. |
| Country | US | CA |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Insurance - Diversified |
| CEO | Keith Warner Demmings | Timothy Deacon FCPA |
| Price | 20.64 USD | 65.4 USD |
| Market Cap | 10.23 billion USD | 36.98 billion USD |
| Beta | 0.60 | 0.88 |
| Exchange | NYSE | NYSE |
| IPO Date | November 25, 2020 | March 23, 2000 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AIZN and SLF 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.
SLF
12.74%
Insurance - Diversified Industry
- Max
- 19.59%
- Q3
- 17.66%
- Median
- 12.77%
- Q1
- 7.56%
- Min
- -4.43%
SLF’s Return on Equity of 12.74% 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
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.
SLF
--
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
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.
SLF
6.96%
Insurance - Diversified Industry
- Max
- 26.00%
- Q3
- 19.46%
- Median
- 9.37%
- Q1
- 5.55%
- Min
- -7.05%
SLF’s Net Profit Margin of 6.96% 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
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.
SLF
-23.56%
Insurance - Diversified Industry
- Max
- 44.52%
- Q3
- 25.84%
- Median
- 14.16%
- Q1
- 6.78%
- Min
- -2.60%
SLF has a negative Operating Profit Margin of -23.56%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
Profitability at a Glance
| Symbol | AIZN | SLF |
|---|---|---|
| Return on Equity (TTM) | 13.02% | 12.74% |
| Return on Assets (TTM) | 1.92% | 0.86% |
| Return on Invested Capital (TTM) | 2.09% | -- |
| Net Profit Margin (TTM) | 5.55% | 6.96% |
| Operating Profit Margin (TTM) | 6.78% | -23.56% |
| Gross Profit Margin (TTM) | 75.78% | 100.00% |
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.
SLF
--
Insurance - Diversified Industry
- Max
- 4.41
- Q3
- 4.03
- Median
- 2.86
- Q1
- 2.82
- Min
- 2.82
Current Ratio data for SLF is currently unavailable.
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.
SLF
0.25
Insurance - Diversified Industry
- Max
- 0.54
- Q3
- 0.39
- Median
- 0.27
- Q1
- 0.21
- Min
- 0.13
SLF’s Debt-to-Equity Ratio of 0.25 is typical for the Insurance - Diversified 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.
SLF
-17.11
Insurance - Diversified Industry
- Max
- 19.23
- Q3
- 17.46
- Median
- 7.97
- Q1
- 4.61
- Min
- -1.63
SLF has a negative Interest Coverage Ratio of -17.11. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
Financial Strength at a Glance
| Symbol | AIZN | SLF |
|---|---|---|
| Current Ratio (TTM) | 4.41 | -- |
| Quick Ratio (TTM) | 4.41 | -- |
| Debt-to-Equity Ratio (TTM) | 0.40 | 0.25 |
| Debt-to-Asset Ratio (TTM) | 0.06 | 0.02 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.36 | -0.42 |
| Interest Coverage Ratio (TTM) | 7.65 | -17.11 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AIZN and SLF. 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.
SLF
3.82%
Insurance - Diversified Industry
- Max
- 8.16%
- Q3
- 5.54%
- Median
- 2.46%
- Q1
- 1.59%
- Min
- 0.00%
SLF’s Dividend Yield of 3.82% is consistent with its peers in the Insurance - Diversified 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.
SLF
61.43%
Insurance - Diversified Industry
- Max
- 101.86%
- Q3
- 53.36%
- Median
- 21.69%
- Q1
- 5.33%
- Min
- 0.00%
SLF’s Dividend Payout Ratio of 61.43% is in the upper quartile for the Insurance - Diversified 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.
Dividend at a Glance
| Symbol | AIZN | SLF |
|---|---|---|
| Dividend Yield (TTM) | 1.61% | 3.82% |
| Dividend Payout Ratio (TTM) | 23.78% | 61.43% |
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.
SLF
15.64
Insurance - Diversified Industry
- Max
- 18.52
- Q3
- 16.13
- Median
- 13.33
- Q1
- 9.73
- Min
- 2.62
SLF’s P/E Ratio of 15.64 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
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.
SLF
2.01
Insurance - Diversified Industry
- Max
- 2.60
- Q3
- 2.07
- Median
- 1.20
- Q1
- 0.77
- Min
- 0.04
SLF’s Forward PEG Ratio of 2.01 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
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.
SLF
1.08
Insurance - Diversified Industry
- Max
- 3.08
- Q3
- 2.00
- Median
- 1.15
- Q1
- 1.07
- Min
- 0.38
SLF’s P/S Ratio of 1.08 aligns with the market consensus for the Insurance - Diversified industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
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.
SLF
1.94
Insurance - Diversified Industry
- Max
- 2.12
- Q3
- 1.80
- Median
- 1.59
- Q1
- 1.29
- Min
- 0.74
SLF’s P/B Ratio of 1.94 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 | AIZN | SLF |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 14.80 | 15.64 |
| Forward PEG Ratio (TTM) | 1.18 | 2.01 |
| Price-to-Sales Ratio (P/S, TTM) | 0.81 | 1.08 |
| Price-to-Book Ratio (P/B, TTM) | 1.90 | 1.94 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 6.24 | 7.22 |
| EV-to-EBITDA (TTM) | 8.85 | 13.25 |
| EV-to-Sales (TTM) | 0.85 | 1.04 |