Assurant vs First Horizon
This page compares Assurant Inc. and First Horizon Corp., offering a neutral overview of their business models, financial performance, and market context to help readers understand how they operate within their sectors. It presents plain, accessible information about strategy, outcomes, and environment, without advocacy or endorsement. Educational content, not financial advice.
This page compares Assurant Inc. and First Horizon Corp., offering a neutral overview of their business models, financial performance, and market context to help readers understand how they operate wi...
Investment Analysis
Assurant
AIZ
Pros
- Assurant has demonstrated strong revenue growth, with a 7.98% increase in the latest quarter and a 40% year-over-year rise in mobile trade-in programme returns.
- The company operates in multiple high-demand sectors including device protection, housing, and vehicle services, providing diversified revenue streams across global markets.
- Assurant maintains a robust balance sheet, with a low beta of 0.55 indicating lower volatility compared to the broader market.
Considerations
- Assurant's valuation appears stretched, with a forward PE ratio of 10.75 and analysts questioning whether high growth can justify the current premium.
- The business is exposed to cyclical consumer spending, which could impact demand for device and vehicle protection products during economic downturns.
- Recent analyst upgrades and price targets may have already priced in much of the expected upside, limiting near-term surprise potential.
Pros
- First Horizon operates a well-established regional banking network with a significant presence in the southern USA, supporting stable lending and deposit growth.
- The bank maintains a conservative valuation, with a price-to-earnings ratio of 12.91 and a price-to-book ratio of 1.27, below many peers.
- First Horizon has a diversified business model, generating revenue from commercial, consumer, and wealth management segments, reducing reliance on any single market.
Considerations
- The bank's return on assets is relatively low at 1.05%, suggesting limited efficiency in generating profit from its asset base.
- First Horizon is exposed to regional economic conditions and interest rate fluctuations, which can impact net interest margins and loan performance.
- Limited transparency on key liquidity ratios such as quick and current ratios makes it difficult to fully assess short-term financial resilience.
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Which Baskets Do They Appear In?
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