Quick read
Fair Value Engine
Decision-focused synthesis of expected stock prices combining relative peer multiples and intrinsic models.
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot
AIZ stock price vs T: inconclusive
Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Price gap
N/A
Coverage
Medium · 60%
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Quick read
Decision-focused synthesis of expected stock prices combining relative peer multiples and intrinsic models.
Latest stored price
Metric-by-metric
Filter, sort, and scan where each company leads, where gaps are small, and where comparisons are not meaningful.
| Metric | AIZ | T | Spread |
|---|---|---|---|
Revenue growth (YoY) FY 2024 -> FY 2025 | 7.9% | 2.7% | AIZ leads by 191.3% Higher Revenue growth |
Gross margin | N/M | 19.2% | Insufficient data Pricing power |
EBITDA margin | 12.2% | 50.9% | T leads by 76.0% Higher EBITDA margin |
EV/Revenue | N/M | N/M | Insufficient data No additional context |
P/E | N/M | N/M | Not comparable Not comparable |
Net debt / EBITDA | -0.1 | 1.9 | AIZ leads by 107.6% Lower Net debt / EBITDA |
Statements
Core income statement and balance sheet metrics aligned to the reporting windows.
| Metric | AIZ | Delta vs T | T |
|---|---|---|---|
| Revenue | $12.81B | 89.8% lower | $125.65B |
| Gross profit | — | N/A | $24.16B |
| Operating income | — | N/A | $24.16B |
| EBITDA | $1.57B | 97.5% lower | $63.94B |
| Net income | $872.70M | 96.0% lower | $21.95B |
| EPS | 16.9 | 456.9% higher | 3.0 |
| Revenue growth | 7.9% | 191.3% higher | 2.7% |
| Gross margin | — | N/A | 19.2% |
| Operating margin | — | N/A | 19.2% |
| EBITDA margin | 12.2% | 76.0% lower | 50.9% |
| Net margin | 6.8% | 61.0% lower | 17.5% |
Trendline
Track multi-year revenue, earnings, and margin direction before underwriting a rerating.
Price framework
Market cap + debt - cash, shown for the current pair and benchmark median context.
Price framework
Baseline discounted cash flow model estimating total intrinsic firm value first, then bridging to an implied stock price per share.
Risk control
Financial health checks to separate durable balance sheets from potential value traps.
Comparable set
Place both companies in context relative to a wider comparable universe.
LLM-powered Synthesis
Based on an earlier data snapshot. Review the filing dates below or refresh after signing in.
AIZ screens expensive versus a P/E-based T valuation but its stronger growth and cleaner leverage profile partly offset the apparent downside versus T.
If you believe AIZ can sustain its faster revenue growth and maintain its cleaner leverage profile, then holding or selectively owning AIZ can make sense despite the high P/E because the balance sheet and growth partially offset the valuation gap versus T.
On the supplied P/E framework, AIZ’s current price of $282.39 sits well above the implied price of $131.37, indicating 53.5% downside versus T. The gap is less extreme on other valuation lenses because AIZ’s P/S is slightly below T’s and its EV/EBITDA is much richer, suggesting the market is paying for higher growth and a stronger balance sheet.
Supporting Metrics