Insurance Industry - Finance Sector

By pjain      Published July 14, 2020, 7:15 p.m. in blog Invest   

Insurance TRV CINF CB

TRV R5- least favored so value?

Travelers Cos – Finance Sector Majority of their revenues are in the US The Finance sector tends to do better in strong dollar environments Insurance is a necessity for business and contracts are inflation adjusted based on the insured property Repurchased 3% of outstanding shares in last 12 months

AFL x c48 m36b y2.2% 36y/ d=$1.15

  • Expect EPS 5yr 9%
  • Buying back $1.3b-$1.7b in 2019

  • Supplemental insurance company – popularized by the loud Aflac duck – with roots going back to 1955 that covers numerous workplace offerings, such as accident, short-term disability and life insurance.

CINF R5 c82 M=13b y=2.7% 59y/ ~6%/yr pay=25% div=$2.1

  • Cincinnati Financial

AIZ R5 c106 m7 y2% +23% pay=30%

Leading provider of specialized insurance products in North America and some overseas markets. The company provides lender-placed homeowner’s insurance and renters insurance, and insures the extended warranties and service contracts for vehicles, appliances and mobile devices. Assurant’s customers include 9 of the top 10 auto-makers, property and casualty insurance companies and mortgage servicing providers.

Last quarter, Assurant closed the acquisition of The Warranty Group, a move that is expected to deepen the company’s global footprint, extend its share in the vehicle protection market with new clients and distribution channels, reduce risk exposure and enable $60 million of operating synergies this year and next year.

Income (excluding catastrophic losses) rose 22% last year, and the company returned more than $510 million to shareholders through share repurchases and dividends. Over the past two years, Assurant has returned more than †$1.5 billion to shareholders. The company’s income improved 34% year-over-year during Q2 2018, and the company is guiding for full-year earnings 20%-25% higher, fueled by contributions from the TWG acquisitions, a lower effective tax rate and $10 million of synergies.

CB R5 c130 m62b y=2.3 25y/ div=$2.9 pay=28%

  • World’s largest publicly traded property and casualty insurance
  • global strong$ operations in 54 countries and territories


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