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AIZN vs. TFC: A Head-to-Head Stock Comparison

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Here’s a clear look at AIZN and TFC, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Overview

TFC’s market capitalization of 59.64 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 0.81 for TFC, both stocks show similar sensitivity to overall market movements.

SymbolAIZNTFC
Company NameAssurant, Inc. 5.25% SubordinatTruist Financial Corporation
CountryUSUS
SectorFinancial ServicesFinancial Services
IndustryInsurance - DiversifiedBanks - Regional
CEOKeith Warner DemmingsWilliam Henry Rogers Jr.
Price20.64 USD45.54 USD
Market Cap10.23 billion USD59.64 billion USD
Beta0.600.81
ExchangeNYSENYSE
IPO DateNovember 25, 2020March 18, 1980
ADRNoNo

Historical Performance

This chart compares the performance of AIZN and TFC 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.

AIZN vs. TFC: Growth of a $10,000 investment over the past one year.

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.

TFC

7.57%

Banks - Regional Industry

Max
19.20%
Q3
11.87%
Median
9.48%
Q1
6.66%
Min
-0.15%

TFC’s Return on Equity of 7.57% is on par with the norm for the Banks - Regional industry, indicating its profitability relative to shareholder equity is typical for the sector.

AIZN vs. TFC: A comparison of their ROE against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

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.

TFC

0.06%

Banks - Regional Industry

Max
13.33%
Q3
7.16%
Median
5.31%
Q1
2.87%
Min
-3.49%

Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Regional industry.

AIZN vs. TFC: A comparison of their ROIC against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

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.

TFC

20.34%

Banks - Regional Industry

Max
32.03%
Q3
21.35%
Median
16.99%
Q1
12.69%
Min
0.27%

TFC’s Net Profit Margin of 20.34% is aligned with the median group of its peers in the Banks - Regional industry. This indicates its ability to convert revenue into profit is typical for the sector.

AIZN vs. TFC: A comparison of their Net Profit Margin against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

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.

TFC

-1.80%

Banks - Regional Industry

Max
40.01%
Q3
26.24%
Median
21.14%
Q1
15.85%
Min
1.50%

TFC has a negative Operating Profit Margin of -1.80%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

AIZN vs. TFC: A comparison of their Operating Margin against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Profitability at a Glance

SymbolAIZNTFC
Return on Equity (TTM)13.02%7.57%
Return on Assets (TTM)1.92%0.91%
Return on Invested Capital (TTM)2.09%0.06%
Net Profit Margin (TTM)5.55%20.34%
Operating Profit Margin (TTM)6.78%-1.80%
Gross Profit Margin (TTM)75.78%48.04%

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.

TFC

0.14

Banks - Regional Industry

Max
0.39
Q3
0.22
Median
0.15
Q1
0.10
Min
0.01

For the Banks - Regional industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AIZN vs. TFC: A comparison of their Current Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

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.

TFC

0.86

Banks - Regional Industry

Max
1.74
Q3
0.81
Median
0.42
Q1
0.18
Min
0.00

TFC’s leverage is in the upper quartile of the Banks - Regional industry, with a Debt-to-Equity Ratio of 0.86. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.

AIZN vs. TFC: A comparison of their D/E Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

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.

TFC

-0.04

Banks - Regional Industry

Max
1.58
Q3
0.84
Median
0.59
Q1
0.35
Min
-0.35

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Regional industry.

AIZN vs. TFC: A comparison of their Interest Coverage against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Financial Strength at a Glance

SymbolAIZNTFC
Current Ratio (TTM)4.410.14
Quick Ratio (TTM)4.410.14
Debt-to-Equity Ratio (TTM)0.400.86
Debt-to-Asset Ratio (TTM)0.060.10
Net Debt-to-EBITDA Ratio (TTM)0.3627.45
Interest Coverage Ratio (TTM)7.65-0.04

Growth

The following charts compare key year-over-year (YoY) growth metrics for AIZN and TFC. These metrics are based on the companies’ annual financial reports.

Revenue Growth

AIZN vs. TFC: A comparison of their annual year-over-year Revenue Growth.

Earnings Per Share (EPS) Growth

AIZN vs. TFC: A comparison of their annual year-over-year Earnings Per Share (EPS) Growth.

Free Cash Flow Growth

AIZN vs. TFC: A comparison of their annual year-over-year 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.

TFC

4.57%

Banks - Regional Industry

Max
11.72%
Q3
4.07%
Median
3.00%
Q1
1.68%
Min
0.00%

With a Dividend Yield of 4.57%, TFC offers a more attractive income stream than most of its peers in the Banks - Regional industry, signaling a strong commitment to shareholder returns.

AIZN vs. TFC: A comparison of their Dividend Yield against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

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.

TFC

63.87%

Banks - Regional Industry

Max
155.35%
Q3
50.05%
Median
34.14%
Q1
18.61%
Min
0.00%

TFC’s Dividend Payout Ratio of 63.87% is in the upper quartile for the Banks - Regional 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.

AIZN vs. TFC: A comparison of their Payout Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Dividend at a Glance

SymbolAIZNTFC
Dividend Yield (TTM)1.61%4.57%
Dividend Payout Ratio (TTM)23.78%63.87%

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.

TFC

12.20

Banks - Regional Industry

Max
22.32
Q3
15.38
Median
12.31
Q1
10.72
Min
4.30

TFC’s P/E Ratio of 12.20 is within the middle range for the Banks - Regional industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

AIZN vs. TFC: A comparison of their P/E Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

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.

TFC

1.00

Banks - Regional Industry

Max
4.03
Q3
2.13
Median
1.25
Q1
0.71
Min
0.02

TFC’s Forward PEG Ratio of 1.00 is within the middle range of its peers in the Banks - Regional industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.

AIZN vs. TFC: A comparison of their Forward PEG Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

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.

TFC

2.48

Banks - Regional Industry

Max
4.28
Q3
2.76
Median
2.17
Q1
1.71
Min
0.55

The P/S Ratio is often not a primary valuation tool in the Banks - Regional industry.

AIZN vs. TFC: A comparison of their P/S Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

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.

TFC

0.92

Banks - Regional Industry

Max
1.99
Q3
1.35
Median
1.09
Q1
0.92
Min
0.33

TFC’s P/B Ratio of 0.92 is within the conventional range for the Banks - Regional 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.

AIZN vs. TFC: A comparison of their P/B Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Valuation at a Glance

SymbolAIZNTFC
Price-to-Earnings Ratio (P/E, TTM)14.8012.20
Forward PEG Ratio (TTM)1.181.00
Price-to-Sales Ratio (P/S, TTM)0.812.48
Price-to-Book Ratio (P/B, TTM)1.900.92
Price-to-Free Cash Flow Ratio (P/FCF, TTM)6.2415.29
EV-to-EBITDA (TTM)8.85147.93
EV-to-Sales (TTM)0.853.05