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Side-by-side financial comparison of Assurant (AIZ) and Stanley Black & Decker (SWK). Click either name above to swap in a different company.
Stanley Black & Decker is the larger business by last-quarter revenue ($3.8B vs $3.4B, roughly 1.1× Assurant). Assurant runs the higher net margin — 6.7% vs 1.4%, a 5.4% gap on every dollar of revenue. On growth, Assurant posted the faster year-over-year revenue change (7.9% vs 0.1%). Assurant produced more free cash flow last quarter ($611.7M vs $155.3M). Over the past eight quarters, Assurant's revenue compounded faster (7.9% CAGR vs 0.3%).
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.
Stanley Black & Decker, Inc., formerly known as The Stanley Works, is an American manufacturer of industrial tools and household hardware, and a provider of security products. Headquartered in the Greater Hartford city of New Britain, Connecticut, Stanley Black & Decker is the result of the merger of The Stanley Works and Black & Decker on March 12, 2010.
AIZ vs SWK — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $3.4B | $3.8B |
| Net Profit | $225.2M | $51.4M |
| Gross Margin | — | 31.4% |
| Operating Margin | 8.5% | — |
| Net Margin | 6.7% | 1.4% |
| Revenue YoY | 7.9% | 0.1% |
| Net Profit YoY | 11.9% | -43.6% |
| EPS (diluted) | $4.37 | $0.34 |
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 | — | ||
| Q3 25 | $3.2B | $3.8B | ||
| Q2 25 | $3.2B | $3.9B | ||
| Q1 25 | $3.1B | $3.7B | ||
| Q4 24 | $3.1B | $3.7B | ||
| Q3 24 | $3.0B | $3.8B | ||
| Q2 24 | $2.9B | $4.0B | ||
| Q1 24 | $2.9B | $3.9B |
| Q4 25 | $225.2M | — | ||
| Q3 25 | $265.6M | $51.4M | ||
| Q2 25 | $235.3M | $101.9M | ||
| Q1 25 | $146.6M | $90.4M | ||
| Q4 24 | $201.3M | $194.9M | ||
| Q3 24 | $133.8M | $91.1M | ||
| Q2 24 | $188.7M | $-11.2M | ||
| Q1 24 | $236.4M | $19.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 31.4% | ||
| Q2 25 | — | 27.0% | ||
| Q1 25 | — | 29.9% | ||
| Q4 24 | — | 30.8% | ||
| Q3 24 | — | 29.9% | ||
| Q2 24 | — | 28.4% | ||
| Q1 24 | — | 28.6% |
| Q4 25 | 8.5% | — | ||
| Q3 25 | 10.2% | — | ||
| Q2 25 | 9.2% | — | ||
| Q1 25 | 6.0% | — | ||
| Q4 24 | 8.1% | 3.4% | ||
| Q3 24 | 5.1% | 10.6% | ||
| Q2 24 | 8.0% | 9.5% | ||
| Q1 24 | 10.2% | 8.3% |
| Q4 25 | 6.7% | — | ||
| Q3 25 | 8.2% | 1.4% | ||
| Q2 25 | 7.4% | 2.6% | ||
| Q1 25 | 4.8% | 2.4% | ||
| Q4 24 | 6.5% | 5.2% | ||
| Q3 24 | 4.5% | 2.4% | ||
| Q2 24 | 6.5% | -0.3% | ||
| Q1 24 | 8.2% | 0.5% |
| Q4 25 | $4.37 | — | ||
| Q3 25 | $5.17 | $0.34 | ||
| Q2 25 | $4.56 | $0.67 | ||
| Q1 25 | $2.83 | $0.60 | ||
| Q4 24 | $3.86 | $1.29 | ||
| Q3 24 | $2.55 | $0.60 | ||
| Q2 24 | $3.58 | $-0.07 | ||
| Q1 24 | $4.47 | $0.13 |
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 | $268.3M |
| Total DebtLower is stronger | — | $5.3B |
| Stockholders' EquityBook value | $5.9B | $9.0B |
| Total Assets | $36.3B | $21.8B |
| Debt / EquityLower = less leverage | — | 0.59× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.7B | $268.3M | ||
| Q2 25 | $1.5B | $311.8M | ||
| Q1 25 | $1.7B | $344.8M | ||
| Q4 24 | $1.8B | $290.5M | ||
| Q3 24 | $1.8B | $298.7M | ||
| Q2 24 | $1.7B | $318.5M | ||
| Q1 24 | $1.3B | $476.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | $5.3B | ||
| Q2 25 | — | $5.6B | ||
| Q1 25 | — | $5.6B | ||
| Q4 24 | — | $6.1B | ||
| Q3 24 | — | $6.1B | ||
| Q2 24 | — | $6.1B | ||
| Q1 24 | — | $6.1B |
| Q4 25 | $5.9B | — | ||
| Q3 25 | $5.8B | $9.0B | ||
| Q2 25 | $5.5B | $9.1B | ||
| Q1 25 | $5.2B | $8.8B | ||
| Q4 24 | $5.1B | $8.7B | ||
| Q3 24 | $5.3B | $8.9B | ||
| Q2 24 | $5.0B | $8.7B | ||
| Q1 24 | $4.9B | $8.9B |
| Q4 25 | $36.3B | — | ||
| Q3 25 | $35.8B | $21.8B | ||
| Q2 25 | $35.5B | $22.5B | ||
| Q1 25 | $35.0B | $22.5B | ||
| Q4 24 | $35.0B | $21.8B | ||
| Q3 24 | $35.3B | $22.5B | ||
| Q2 24 | $33.8B | $22.5B | ||
| Q1 24 | $33.2B | $23.9B |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.62× | ||
| Q1 25 | — | 0.63× | ||
| Q4 24 | — | 0.70× | ||
| Q3 24 | — | 0.69× | ||
| Q2 24 | — | 0.70× | ||
| Q1 24 | — | 0.69× |
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 | $221.2M |
| Free Cash FlowOCF − Capex | $611.7M | $155.3M |
| FCF MarginFCF / Revenue | 18.3% | 4.1% |
| Capex IntensityCapex / Revenue | 1.8% | 1.8% |
| Cash ConversionOCF / Net Profit | 2.98× | 4.30× |
| TTM Free Cash FlowTrailing 4 quarters | $1.6B | $369.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $671.0M | — | ||
| Q3 25 | $505.0M | $221.2M | ||
| Q2 25 | $265.5M | $214.3M | ||
| Q1 25 | $392.4M | $-420.0M | ||
| Q4 24 | $102.8M | $679.1M | ||
| Q3 24 | $436.5M | $285.8M | ||
| Q2 24 | $710.9M | $573.0M | ||
| Q1 24 | $82.5M | $-431.0M |
| Q4 25 | $611.7M | — | ||
| Q3 25 | $442.1M | $155.3M | ||
| Q2 25 | $205.6M | $134.7M | ||
| Q1 25 | $339.0M | $-485.0M | ||
| Q4 24 | $34.8M | $564.6M | ||
| Q3 24 | $389.4M | $199.3M | ||
| Q2 24 | $655.5M | $485.8M | ||
| Q1 24 | $31.7M | $-496.7M |
| Q4 25 | 18.3% | — | ||
| Q3 25 | 13.7% | 4.1% | ||
| Q2 25 | 6.5% | 3.4% | ||
| Q1 25 | 11.0% | -13.0% | ||
| Q4 24 | 1.1% | 15.2% | ||
| Q3 24 | 13.1% | 5.3% | ||
| Q2 24 | 22.4% | 12.1% | ||
| Q1 24 | 1.1% | -12.8% |
| Q4 25 | 1.8% | — | ||
| Q3 25 | 1.9% | 1.8% | ||
| Q2 25 | 1.9% | 2.0% | ||
| Q1 25 | 1.7% | 1.7% | ||
| Q4 24 | 2.2% | 3.1% | ||
| Q3 24 | 1.6% | 2.3% | ||
| Q2 24 | 1.9% | 2.2% | ||
| Q1 24 | 1.8% | 1.7% |
| Q4 25 | 2.98× | — | ||
| Q3 25 | 1.90× | 4.30× | ||
| Q2 25 | 1.13× | 2.10× | ||
| Q1 25 | 2.68× | -4.65× | ||
| Q4 24 | 0.51× | 3.48× | ||
| Q3 24 | 3.26× | 3.14× | ||
| Q2 24 | 3.77× | — | ||
| Q1 24 | 0.35× | -22.10× |
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% |
SWK
| Tools And Outdoor Segment | $3.3B | 87% |
| Engineered Fastening Segment | $500.5M | 13% |
