Assurant vs Loews
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The short version
- Loews is the larger business, with $18.5B of revenue in fiscal 2025 against $12.8B for Assurant.
- Assurant grew revenue faster (7.9%, against 5.4%).
- Loews turned more of its sales into free cash flow (14.6% FCF margin, against 12.5%).
- Assurant earned a higher return on the capital invested in it (17.5%, against 9.5%).
- Investors pay more for each dollar of Loews’s earnings: a P/E of 13.7x against 13.6x for Assurant.
| Latest fiscal year | AIZ · FY25 | L · FY25 |
|---|---|---|
| Size | ||
| Market cap | $14.2B | $23.0B |
| Revenue | $12.8B | $18.5B |
| Free cash flow | $1.6B | $2.7B |
| Net income | $873M | $1.7B |
| Growth | ||
| Revenue growth | 7.9% | 5.4% |
| 5-year growth | 6.0% | 8.0% |
| Share count change | −1.9% | −5.2% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 6.8% | 9.0% |
| FCF margin | 12.5% | 14.6% |
| Return on capital | 17.5% | 9.5% |
| Return on equity | 15.9% | 9.3% |
| Balance sheet | ||
| Net debt | −$6.7M | $3.0B |
| Net debt / EBITDA | 0.0x | 0.9x |
| Dividends and buybacks | $472M | $858M |
| Valuation & quality | ||
| P/E | 13.6x | 13.7x |
| Piotroski F-score | — | — |
Revenue
FY16
AIZ $7.5B
L $13.1B
FY17
AIZ $6.4B
L $13.7B
FY18
AIZ $8.1B
L $14.1B
FY19
AIZ $9.6B
L $14.9B
FY20
AIZ $9.6B
L $12.6B
FY21
AIZ $10.2B
L $14.7B
FY22
AIZ $10.2B
L $14.0B
FY23
AIZ $11.1B
L $15.9B
FY24
AIZ $11.9B
L $17.5B
FY25
AIZ $12.8B
L $18.5B
AIZ
L
Operating margin
FY16
AIZ —
L —
FY17
AIZ —
L —
FY18
AIZ —
L —
FY19
AIZ —
L —
FY20
AIZ —
L —
FY21
AIZ —
L —
FY22
AIZ —
L —
FY23
AIZ —
L —
FY24
AIZ —
L —
FY25
AIZ —
L —
AIZ
L
Free cash flow
FY16
AIZ $23.4M
L $803M
FY17
AIZ $468M
L $1.6B
FY18
AIZ $574M
L $3.2B
FY19
AIZ $1.3B
L $700M
FY20
AIZ $1.2B
L $1.0B
FY21
AIZ $594M
L $2.1B
FY22
AIZ $411M
L $2.7B
FY23
AIZ $936M
L $3.2B
FY24
AIZ $1.1B
L $2.4B
FY25
AIZ $1.6B
L $2.7B
AIZ
L
Return on capital
FY16
AIZ 15.5%
L 3.9%
FY17
AIZ 12.4%
L 6.6%
FY18
AIZ 6.9%
L 4.0%
FY19
AIZ 7.0%
L 4.7%
FY20
AIZ 11.1%
L −3.0%
FY21
AIZ 12.5%
L 9.4%
FY22
AIZ 7.2%
L 6.0%
FY23
AIZ 15.1%
L 9.3%
FY24
AIZ 16.8%
L 8.7%
FY25
AIZ 17.5%
L 9.5%
AIZ
L
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.