AIZ
Assurant, Inc.
AIZ has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over AIZ overall, supported by stronger fundamentals and stronger modeled upside.
AIZ Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
AIZ's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like AIZ.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
AIZ PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $254 | -21% |
| Forward | 13x | $321 | — |
| Fair | 15x | $328 | +2.1% |
| Current | 15x | $321 | — |
| Expensive | 22x | $469 | +46% |
Historical ranges are pointers, not guarantees.
AIZ has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
AIZ Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
AIZ has the edge over GS on the outlook, with more favorable valuation expectations.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
AIZ Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $23.95 | +13% |
| Q3 2026 | $21.22 | +29% |
| Q2 2026 | $20.90 | +51% |
| Q1 2026 | $19.51 | +52% |
| Q4 2025 | $16.93 | +17% |
| Q3 2025 | $16.42 | +17% |
| Q2 2025 | $13.80 | -7.9% |
| Q1 2025 | $12.82 | -10% |
| Q4 2024 | $14.46 | +21% |
AIZ earned $21.22 per share over the past year, up 29% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over AIZ on earnings, with more consistent year-over-year improvement.
AIZ Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.5B | +9.2% |
| Q2 2026 | $3.5B | +9.4% |
| Q1 2026 | $3.4B | +11% |
| Q4 2025 | $3.4B | +7.9% |
| Q3 2025 | $3.2B | +8.9% |
| Q2 2025 | $3.2B | +8% |
| Q1 2025 | $3.1B | +6.7% |
| Q4 2024 | $3.1B | +4.1% |
AIZ's revenue has grown year over year for 16 quarters in a row: $3.5B last quarter, up 9.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.9% | -0.3 points |
| Q2 2026 | 11% | +1.8 points |
| Q1 2026 | 9.8% | +3.8 points |
| Q4 2025 | 8.5% | +0.4 points |
| Q3 2025 | 10% | +5.2 points |
| Q2 2025 | 9.2% | +1.2 points |
| Q1 2025 | 6% | -4.2 points |
| Q4 2024 | 8.1% | +0.5 points |
AIZ's operating margin was 9.9% last quarter, about level with the same quarter a year ago.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over AIZ on profitability, with a higher operating margin.
AIZ Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $620.3M | +40% |
| Q2 2026 | $409.2M | +99% |
| Q1 2026 | $192.6M | -43% |
| Q4 2025 | $611.7M | +1658% |
| Q3 2025 | $442.1M | +14% |
| Q2 2025 | $205.6M | -69% |
| Q1 2025 | $339M | +969% |
| Q4 2024 | $34.8M | -89% |
AIZ has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
AIZ Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -115K shares |
| 1 year | -3.1% | -1.6M shares |
| 3 years | -7.5% | -4M shares |
| 5 years | -16% | -9.8M shares |
| Available history | -20% | -12.6M shares |
AIZ has 50M diluted shares, down 3.1% from a year ago, with $372M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $75.7M |
| Q2 2026 | $77.6M |
| Q1 2026 | $124.2M |
| Q4 2025 | $94.3M |
| Q3 2025 | $81.8M |
| Q2 2025 | $63.3M |
| Q1 2025 | $64.3M |
| Q4 2024 | $120.3M |
AIZ spent $372M buying back its own shares over the past year, up 13% from the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over AIZ on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
AIZ Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.3x | Very low |
| Q2 2026 | 0.3x | Very low |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | 0.3x | Very low |
| Q3 2025 | 0.4x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.4x | Very low |
| Q4 2024 | 0.2x | Very low |
AIZ's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like AIZ.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over AIZ on leverage, with a lower net debt burden relative to earnings.
AIZ Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 77.0 | Overbought |
| Stochastic | 83.0 | Overbought |
AIZ's weekly RSI is 77 (overbought) and its Stochastic is 83 (overbought).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
AIZ PE vs Financial Services Sector
| Metric | AIZ | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 16% above |
| PE % | 45 | 63 | 18 pts below |
AIZ is trading at 15x earnings, a 16% premium to the Financial Services sector's median of 13x.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over AIZ on valuation relative to its sector.
AIZ Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $286.0 | 12% above |
| 20 week MA | $283.6 | 13% above |
| 50 week MA | $254.7 | 26% above |
| 100 week MA | $230.3 | 39% above |
| 200 week MA | $195.3 | 64% above |
AIZ has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
AIZ Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $129.7 | $132.6 | +2.3% |
| 2021 | $132.6 | $152.3 | +15% |
| 2022 | $152.3 | $125.0 | -18% |
| 2023 | $125.0 | $168.5 | +35% |
| 2024 | $168.5 | $215.1 | +28% |
| 2025 | $215.1 | $240.1 | +12% |
| 2026 YTD | $240.1 | $321.1 | +34% |
AIZ has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.