Assurant vs XP

Assurant Inc. and XP Inc. are compared on this page to illustrate differences in business models, financial performance, and market context. The content is neutral and designed to be accessible, helping readers understand how each company operates and positions itself within the sector. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AIZ

Metric

$11.66B

Market Cap

$9.52B

8.23%

Potential Profit

22.04%

Buy

Analyst Rating

Buy

Investment Analysis

Assurant

AIZ

Pros

Assurant delivered strong third quarter 2025 results with low double-digit growth expected in adjusted EPS for the full year.
The company maintains a robust return on equity above 20%, indicating efficient use of shareholder capital.
Assurant operates globally in 21 countries and partners with leading brands, providing diversified revenue streams and scale advantages.

Considerations

Assurant's financial performance remains sensitive to catastrophe losses, which can materially impact earnings in any given period.
The company's growth outlook is dependent on continued expansion of automation and technology investments, which carry execution risk.
Assurant faces competitive pressures in the insurance and protection services sector, which may constrain pricing power and margins.

XP

Pros

XP Inc. continues to benefit from Brazil's underpenetrated financial services market, supporting long-term growth potential.
The company has demonstrated strong digital platform adoption, driving customer acquisition and operational efficiency.
XP Inc. maintains a leading position in Brazil's brokerage and wealth management segments, with a scalable business model.

Considerations

XP Inc.'s results are exposed to Brazilian macroeconomic volatility, including currency fluctuations and regulatory changes.
The company faces increasing competition from fintechs and traditional banks expanding their digital offerings in Brazil.
XP Inc. has experienced margin pressure due to investments in new business lines and technology infrastructure.

About The Companies

Assurant (AIZ)

Assurant Inc. is a global provider of risk management products and services, often called 'protection products'. The company partners with well-known brands to offer insurance and service contracts for items central to people's lives, such as mobile devices, cars, and homes. Operating across North America, Latin America, Europe, and Asia Pacific, its business is split into two main segments. 'Global Lifestyle' covers solutions for mobile devices, electronics, and vehicles. 'Global Housing' focuses on lender-placed homeowners' insurance, renters' insurance, and related services. By working with major brands, Assurant provides the behind-the-scenes support that helps consumers protect their significant purchases. As with any investment, it's important to remember that the value of shares can go down as well as up, and past performance is not a reliable indicator of future results. This type of stock may not be suitable for everyone.

XP (XP)

XP Inc (XP) is a Brazil‑focused financial services platform that began as an online broker and has expanded into wealth management, retail banking and lending. With a market capitalisation around $8.99bn, XP generates revenue from commissions, advisory fees, asset management and interest income, and benefits from growth in Brazilian retail investing and digital adoption. Investors should note exposure to Brazil’s economic cycle, local currency (BRL) volatility, and regulatory changes that can affect margins and client flows. Competition from local banks, fintechs and neo‑banks can pressure fees and customer acquisition costs, while continued product diversification may broaden revenue streams but also raise execution risk. For those assessing XP, focus on metrics such as assets under custody and management, client acquisition and retention, and loan book quality. This is general educational information — not personalised investment advice — and potential returns can rise or fall depending on market and company performance.

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Assurant vs XP

Comparison Snapshot

Investment Analysis

Assurant

Pros

Considerations

XP

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy AIZ or XP in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Assurant vs Globe Life

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Frequently asked questions

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Which stock shows stronger growth potential based on the provided pros and cons?

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Comparison Snapshot

About The Companies