` Comparison: AIZ, CS - Alpha Spread

AIZ
vs
CS

Over the past 12 months, AIZ has underperformed CS, delivering a return of +10% compared to the CS's +20% growth.

Valuation Growth Profitability Solvency Stocks Performance
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AIZ
CS
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Stocks Compared:
AIZ CS
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Valuation Comparison

AIZ Intrinsic Value
321.33 USD
Undervaluation 27%
Intrinsic Value
Price
CS Intrinsic Value
70.27 EUR
Undervaluation 42%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Assurant Inc
NYSE:AIZ
233.37 USD
AXA SA
PAR:CS
40.55 EUR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
AIZ, CS

AIZ
CS
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Assurant Inc
Revenue
AXA SA
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
AIZ, CS

AIZ
CS
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Assurant Inc
NYSE:AIZ
FCF is not applicable for financial companies
AXA SA
PAR:CS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

AIZ
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Assurant Inc
Not applicable for financial companies
AXA SA
Not applicable for financial companies

Operating Margin

AIZ
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Assurant Inc
Not applicable for financial companies
AXA SA
Not applicable for financial companies

Net Margin

AIZ
6.8%
CS
8.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Assurant Inc
AXA SA

FCF Margin

AIZ
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Assurant Inc
Not applicable for financial companies
AXA SA
Not applicable for financial companies

ROE

AIZ
15.4%
CS
16.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Assurant Inc
AXA SA

ROA

AIZ
2.4%
CS
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Assurant Inc
AXA SA

ROIC

AIZ
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Assurant Inc
Not applicable for financial companies
AXA SA
Not applicable for financial companies

ROCE

AIZ
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Assurant Inc
Not applicable for financial companies
AXA SA
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
AIZ, CS

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CS
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
AIZ, CS

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AIZ
CS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
AIZ, CS

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CS
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