COMP <GO>
AIZ vs MS // EV/EBITDA & P/E VALUATION
Assurant Inc. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: AIZ 9
— MS 5
▲ EV/EBITDA & P/E VALUATION LEADER: AIZ
LAST: $292.80 (+0.04%) • MKT CAP: $14.44B
valuation
20.1x
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
valuation
31.0x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AIZ VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AIZ | MS | 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% | 3.00% | +2.00 | AIZ | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 20.1x | 31.0x | -10.90 | AIZ | /valuation <GO> |
| Free Cash Flow Yield | 11.07% | -7.25% | +18.32 | AIZ | /fcf-yield <GO> |
| Operating Margin | 8.30% | 24.60% | -16.30 | MS | /operating-margins <GO> |
| Net Profit Margin | 6.80% | 20.20% | -13.40 | MS | /net-margins <GO> |
| Revenue Growth (YoY) | 7.90% | 5.50% | +2.40 | AIZ | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.17% | 2.21% | -1.04 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.05 | 0.46 | +0.59 | AIZ | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 5/9 | +3.00 | AIZ | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 7.00% | -0.40 | AIZ | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 65.6 | 43.3 | +22.29 | AIZ | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 1.04 | -0.12 | MS | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.3x | 16.5x | -1.20 | AIZ | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $14.44B | $298.41B | -$283.97B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AIZ REV | MS REV | AIZ GROSS % | MS GROSS % | AIZ FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $12.81B | $0 | 44.0% | — | $1.60B | -$17.89B |
| FY 2024 | $11.88B | $0 | 44.0% | — | $1.11B | $1.36B |
| FY 2023 | $11.13B | $0 | 44.0% | — | $637.2M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AIZ // BETA 0.92
MS // BETA 1.04