Assurant vs Old Republic

Assurant and Old Republic International are presented here in a clear, comparative page. This page compares business models, financial performance, and market context to help readers understand each company's approach and position. The content remains neutral and accessible, avoiding speculation and jargon to support informed consideration. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AIZ

Metric

ORI

$11.66B

Market Cap

$10.65B

8.23%

Potential Profit

13.64%

Buy

Analyst Rating

Buy

Investment Analysis

Assurant

AIZ

Pros

Assurant has a robust capital position and strong financial health, supporting resilience in a dynamic macroeconomic environment.
The company is successfully advancing strategic priorities including client service, operational efficiency, and technology investment.
Assurant's 2025 outlook projects low double-digit adjusted EPS growth and close to 10% EBITDA growth excluding catastrophes.

Considerations

Assurant's net profit margin of approximately 5.8% is lower than some peers, reflecting potential profitability constraints.
Future growth projections appear modest compared to competitors, with a low score indicating limited expansion potential.
The company's cost of revenue is high relative to revenue, which may pressure margins and operational leverage.

Old Republic

ORI

Pros

Old Republic has a stronger net margin around 8.6%, indicating better profitability compared to Assurant.
The company is attractively valued with a price-to-book ratio significantly below Assurant and industry averages.
It benefits from long-tail insurance operations that can leverage higher investment income in rising interest rate environments.

Considerations

Old Republic's earnings growth estimate for 2024 is slightly behind Assurant, potentially signaling slower near-term growth.
Its market cap is smaller than Assurant's, which might limit scale advantages and access to capital.
Despite solid fundamentals, Old Republic faces risks from lower recent interest rates which could reduce investment income.

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.

Old Republic (ORI)

Old Republic International Corporation (ORI) is a diversified insurance holding company known for property & casualty and title insurance operations through a network of subsidiaries. With a market capitalisation of about $10.43 billion, the firm earns premiums, underwriting results and investment income, while managing reserves for future claims. Investors often watch underwriting discipline, combined ratios and the quality of the investment portfolio, since insurers’ profits depend on both claim experience and returns on invested assets. Key vulnerabilities include exposure to catastrophe losses, reserve adequacy and interest-rate movements that affect investment income and discounting. The company’s long history and diversified business mix can offer some resilience, but performance can vary with economic cycles and insurance markets. This summary is educational only and not personalised financial advice — suitability depends on your objectives, risk tolerance and time horizon.

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Assurant vs Old Republic

Comparison Snapshot

Investment Analysis

Assurant

Pros

Considerations

Old Republic

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy AIZ or ORI in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Assurant vs Globe Life

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Comparison Snapshot

About The Companies