COMP <GO>
AIZ vs BAC // PIOTROSKI F-SCORE QUALITY
Assurant Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: AIZ 9
— BAC 4
▲ PIOTROSKI F-SCORE QUALITY LEADER: AIZ
LAST: $292.80 (+0.04%) • MKT CAP: $14.44B
piotroski-score
8/9
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
piotroski-score
7/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AIZ VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AIZ | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 5.00% | 2.50% | +2.50 | AIZ | /roic <GO> |
| EV/EBITDA & P/E Valuation | 20.1x | 30.2x | -10.10 | AIZ | /valuation <GO> |
| Free Cash Flow Yield | 11.07% | 2.10% | +8.97 | AIZ | /fcf-yield <GO> |
| Operating Margin | 8.30% | 32.90% | -24.60 | BAC | /operating-margins <GO> |
| Net Profit Margin | 6.80% | 27.00% | -20.20 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 7.90% | 6.80% | +1.10 | AIZ | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.17% | 0.00% | +1.17 | AIZ | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.05 | 0.45 | +0.60 | AIZ | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 8/9 | 7/9 | +1.00 | AIZ | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 6.60% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 65.6 | 27.7 | +37.91 | AIZ | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 0.90 | +0.02 | AIZ | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.3x | 10.9x | +4.40 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $14.44B | $357.61B | -$343.17B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AIZ REV | BAC REV | AIZ GROSS % | BAC GROSS % | AIZ FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $12.81B | $113.10B | 44.0% | 44.0% | $1.60B | $7.52B |
| FY 2024 | $11.88B | $105.86B | 44.0% | 44.0% | $1.11B | -$13.57B |
| FY 2023 | $11.13B | $102.77B | 44.0% | 44.0% | $637.2M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AIZ // BETA 0.92
BAC // BETA 0.90