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Side-by-side financial comparison of Assurant (AIZ) and CONSTELLIUM SE (CSTM). Click either name above to swap in a different company.
Assurant is the larger business by last-quarter revenue ($3.4B vs $2.2B, roughly 1.5× CONSTELLIUM SE). Assurant runs the higher net margin — 6.7% vs 5.1%, a 1.6% gap on every dollar of revenue. Assurant produced more free cash flow last quarter ($611.7M vs $109.0M).
Assurant, Inc. is a global provider of risk management products and services with headquarters in Atlanta. Its businesses provide a diverse set of specialty, niche-market insurance products in the property, casualty, extended device protection, and preneed insurance sectors. The company's main operating segments are Global Housing and Global Lifestyle.
Constellium SE is an American-Swiss, French-based global manufacturer of aluminium rolled products, extruded products, and structural parts based on a large variety of advanced alloys. Constellium's C-TEC research center has been credited for advancing technology in the field of advanced aluminium alloy. Constellium primarily serves the aerospace, automotive, and packaging sectors. Large clients include Mercedes-Benz, Audi, BMW, Fiat Chrysler Automotive, Ford, Airbus, Boeing, and Bombardier.
AIZ vs CSTM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $3.4B | $2.2B |
| Net Profit | $225.2M | $112.0M |
| Gross Margin | — | — |
| Operating Margin | 8.5% | 7.5% |
| Net Margin | 6.7% | 5.1% |
| Revenue YoY | 7.9% | — |
| Net Profit YoY | 11.9% | — |
| EPS (diluted) | $4.37 | $0.79 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $3.4B | $2.2B | ||
| Q3 25 | $3.2B | $2.2B | ||
| Q2 25 | $3.2B | $2.1B | ||
| Q1 25 | $3.1B | $2.0B | ||
| Q4 24 | $3.1B | — | ||
| Q3 24 | $3.0B | — | ||
| Q2 24 | $2.9B | $1.9B | ||
| Q1 24 | $2.9B | — |
| Q4 25 | $225.2M | $112.0M | ||
| Q3 25 | $265.6M | $88.0M | ||
| Q2 25 | $235.3M | $36.0M | ||
| Q1 25 | $146.6M | $37.0M | ||
| Q4 24 | $201.3M | — | ||
| Q3 24 | $133.8M | — | ||
| Q2 24 | $188.7M | $76.0M | ||
| Q1 24 | $236.4M | — |
| Q4 25 | 8.5% | 7.5% | ||
| Q3 25 | 10.2% | 5.8% | ||
| Q2 25 | 9.2% | 2.7% | ||
| Q1 25 | 6.0% | 3.1% | ||
| Q4 24 | 8.1% | — | ||
| Q3 24 | 5.1% | — | ||
| Q2 24 | 8.0% | 5.4% | ||
| Q1 24 | 10.2% | — |
| Q4 25 | 6.7% | 5.1% | ||
| Q3 25 | 8.2% | 4.1% | ||
| Q2 25 | 7.4% | 1.7% | ||
| Q1 25 | 4.8% | 1.9% | ||
| Q4 24 | 6.5% | — | ||
| Q3 24 | 4.5% | — | ||
| Q2 24 | 6.5% | 3.9% | ||
| Q1 24 | 8.2% | — |
| Q4 25 | $4.37 | $0.79 | ||
| Q3 25 | $5.17 | $0.62 | ||
| Q2 25 | $4.56 | $0.25 | ||
| Q1 25 | $2.83 | $0.26 | ||
| Q4 24 | $3.86 | — | ||
| Q3 24 | $2.55 | — | ||
| Q2 24 | $3.58 | $0.51 | ||
| Q1 24 | $4.47 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.8B | $120.0M |
| Total DebtLower is stronger | — | $1.9B |
| Stockholders' EquityBook value | $5.9B | $952.0M |
| Total Assets | $36.3B | $5.4B |
| Debt / EquityLower = less leverage | — | 2.00× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.8B | $120.0M | ||
| Q3 25 | $1.7B | $122.0M | ||
| Q2 25 | $1.5B | $133.0M | ||
| Q1 25 | $1.7B | $118.0M | ||
| Q4 24 | $1.8B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.3B | — |
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | $2.0B | ||
| Q2 25 | — | $2.0B | ||
| Q1 25 | — | $1.9B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $5.9B | $952.0M | ||
| Q3 25 | $5.8B | $845.0M | ||
| Q2 25 | $5.5B | $780.0M | ||
| Q1 25 | $5.2B | $745.0M | ||
| Q4 24 | $5.1B | — | ||
| Q3 24 | $5.3B | — | ||
| Q2 24 | $5.0B | $796.0M | ||
| Q1 24 | $4.9B | — |
| Q4 25 | $36.3B | $5.4B | ||
| Q3 25 | $35.8B | $5.4B | ||
| Q2 25 | $35.5B | $5.4B | ||
| Q1 25 | $35.0B | $5.2B | ||
| Q4 24 | $35.0B | — | ||
| Q3 24 | $35.3B | — | ||
| Q2 24 | $33.8B | — | ||
| Q1 24 | $33.2B | — |
| Q4 25 | — | 2.00× | ||
| Q3 25 | — | 2.34× | ||
| Q2 25 | — | 2.53× | ||
| Q1 25 | — | 2.56× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $671.0M | $218.0M |
| Free Cash FlowOCF − Capex | $611.7M | $109.0M |
| FCF MarginFCF / Revenue | 18.3% | 5.0% |
| Capex IntensityCapex / Revenue | 1.8% | 5.0% |
| Cash ConversionOCF / Net Profit | 2.98× | 1.95× |
| TTM Free Cash FlowTrailing 4 quarters | $1.6B | $159.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $671.0M | $218.0M | ||
| Q3 25 | $505.0M | $99.0M | ||
| Q2 25 | $265.5M | $114.0M | ||
| Q1 25 | $392.4M | $58.0M | ||
| Q4 24 | $102.8M | — | ||
| Q3 24 | $436.5M | — | ||
| Q2 24 | $710.9M | $138.0M | ||
| Q1 24 | $82.5M | — |
| Q4 25 | $611.7M | $109.0M | ||
| Q3 25 | $442.1M | $24.0M | ||
| Q2 25 | $205.6M | $37.0M | ||
| Q1 25 | $339.0M | $-11.0M | ||
| Q4 24 | $34.8M | — | ||
| Q3 24 | $389.4M | — | ||
| Q2 24 | $655.5M | $54.0M | ||
| Q1 24 | $31.7M | — |
| Q4 25 | 18.3% | 5.0% | ||
| Q3 25 | 13.7% | 1.1% | ||
| Q2 25 | 6.5% | 1.8% | ||
| Q1 25 | 11.0% | -0.6% | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 13.1% | — | ||
| Q2 24 | 22.4% | 2.8% | ||
| Q1 24 | 1.1% | — |
| Q4 25 | 1.8% | 5.0% | ||
| Q3 25 | 1.9% | 3.5% | ||
| Q2 25 | 1.9% | 3.7% | ||
| Q1 25 | 1.7% | 3.5% | ||
| Q4 24 | 2.2% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 1.9% | 4.3% | ||
| Q1 24 | 1.8% | — |
| Q4 25 | 2.98× | 1.95× | ||
| Q3 25 | 1.90× | 1.13× | ||
| Q2 25 | 1.13× | 3.17× | ||
| Q1 25 | 2.68× | 1.57× | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 3.26× | — | ||
| Q2 24 | 3.77× | 1.82× | ||
| Q1 24 | 0.35× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AIZ
| Global Lifestyle | $2.6B | 78% |
| Global Housing | $749.1M | 22% |
| Service Contracts And Sales | $34.5M | 1% |
CSTM
| Packaging Rolled Products | $1.0B | 46% |
| Automotive Rolled Products | $318.0M | 14% |
| Aerospace Rolled Products | $270.0M | 12% |
| Transportation Industry Defense And Other Rolled Products | $232.0M | 11% |
| Automotive Extruded Products | $220.0M | 10% |
| Other Extruded Products | $132.0M | 6% |
| Specialty And Other Thin Rolled Products | $22.0M | 1% |
