ARZGY vs. T

Last updated Jun 4, 2026

ARZGY (Assicurazioni Generali SpA ADR) and T (AT&T Inc.) are both stocks. ARZGY operates in Insurance - Diversified (Financial Services), while T operates in Telecom Services (Communication Services). Over the past 10 years, ARZGY returned 18.38%/yr vs 3.62%/yr for T. At a 0.14 correlation, their price movements are largely independent.

Performance

ARZGY vs. T - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Assicurazioni Generali SpA ADR (ARZGY) and AT&T Inc. (T). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ARZGY achieves a 12.90% return, which is significantly higher than T's -3.08% return. Over the past 10 years, ARZGY has outperformed T with an annualized return of 18.38%, while T has yielded a comparatively lower 3.62% annualized return.

ARZGY

• 1D: -0.40%
• 1M: 8.69%
• YTD: 12.90%
• 6M: 19.16%
• 1Y: 32.23%
• 3Y*: 38.83%
• 5Y*: 23.56%
• 10Y*: 18.38%

T

• 1D: -4.42%
• 1M: -9.77%
• YTD: -3.08%
• 6M: -4.92%
• 1Y: -12.10%
• 3Y*: 22.12%
• 5Y*: 7.39%
• 10Y*: 3.62%

*Multi-year figures are annualized to reflect compound growth (CAGR)

ARZGY vs. T - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
ARZGY Assicurazioni Generali SpA ADR	12.90%	54.48%	40.64%	24.14%	-10.87%	28.86%	-14.12%	28.32%	-4.59%	36.49%
T AT&T Inc.	-3.08%	13.97%	44.08%	-2.74%	5.76%	-8.09%	-21.37%	45.55%	-22.25%	-4.01%

Correlation

The correlation between ARZGY and T is 0.13, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.13
Correlation (3Y) Calculated over the trailing 3-year period	0.15
Correlation (5Y) Calculated over the trailing 5-year period	0.21
Correlation (10Y) Calculated over the trailing 10-year period	0.18
Correlation (All Time) Calculated using the full available price history since May 13, 2009	0.14

Fundamentals

EPS ARZGY : $2.57 T : $3.04
PE Ratio ARZGY : 8.81 T : 7.73
PEG Ratio ARZGY : 0.20 T : 0.32
PS Ratio ARZGY : 0.59 T : 1.35
Total Revenue (TTM) ARZGY : $117.75B T : $125.65B
Gross Profit (TTM) ARZGY : $117.75B T : $105.41B
EBITDA (TTM) ARZGY : $14.58B T : $54.70B

Return for Risk

ARZGY vs. T — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

ARZGY

ARZGY Risk / Return Rank: 81
ARZGY Sharpe Ratio Rank: 84
ARZGY Sortino Ratio Rank: 79
ARZGY Omega Ratio Rank: 77
ARZGY Calmar Ratio Rank: 83
ARZGY Martin Ratio Rank: 82

T

T Risk / Return Rank: 17
T Sharpe Ratio Rank: 17
T Sortino Ratio Rank: 16
T Omega Ratio Rank: 17
T Calmar Ratio Rank: 19
T Martin Ratio Rank: 14

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ARZGY vs. T - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Assicurazioni Generali SpA ADR (ARZGY) and AT&T Inc. (T). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	ARZGY	T	Difference
Sharpe ratio Return per unit of total volatility	1.64	-0.56	+2.20
Sortino ratio Return per unit of downside risk	2.26	-0.67	+2.94
Omega ratio Gain probability vs. loss probability	1.28	0.92	+0.36
Calmar ratio Return relative to maximum drawdown	3.02	-0.59	+3.61
Martin ratio Return relative to average drawdown	7.54	-1.20	+8.74
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

ARZGY vs. T - Sharpe Ratio Comparison

The current ARZGY Sharpe Ratio is 1.64, which is higher than the T Sharpe Ratio of -0.56. The chart below compares the historical Sharpe Ratios of ARZGY and T, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	ARZGY	T	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.64	-0.56	+2.20
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	1.00	0.31	+0.69
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.63	0.15	+0.48
Sharpe Ratio (All Time) Calculated using the full available price history	0.28	0.38	-0.10

Drawdowns

ARZGY vs. T - Drawdown Comparison

The maximum ARZGY drawdown since its inception was -51.13%, smaller than the maximum T drawdown of -64.15%. Use the drawdown chart below to compare losses from any high point for ARZGY and T.

Drawdown Indicators

	ARZGY	T	Difference
Max Drawdown Largest peak-to-trough decline	-51.13%	-64.15%	+13.02%
Max Drawdown (1Y) Largest decline over 1 year	-10.72%	-20.60%	+9.88%
Max Drawdown (3Y) Largest decline over 3 years	-10.72%	-20.60%	+9.88%
Max Drawdown (5Y) Largest decline over 5 years	-39.90%	-32.01%	-7.89%
Max Drawdown (10Y) Largest decline over 10 years	-51.13%	-42.35%	-8.78%
Current Drawdown Current decline from peak	-0.40%	-18.23%	+17.83%
Average Drawdown Average peak-to-trough decline	-13.96%	-15.72%	+1.76%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.29%	10.08%	-5.79%

Volatility

ARZGY vs. T - Volatility Comparison

The current volatility for Assicurazioni Generali SpA ADR (ARZGY) is 6.56%, while AT&T Inc. (T) has a volatility of 6.96%. This indicates that ARZGY experiences smaller price fluctuations and is considered to be less risky than T based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ARZGY	T	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.56%	6.96%	-0.40%
Volatility (6M) Calculated over the trailing 6-month period	14.92%	17.27%	-2.35%
Volatility (1Y) Calculated over the trailing 1-year period	19.95%	21.86%	-1.91%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	23.60%	23.92%	-0.32%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	29.44%	23.69%	+5.75%

Dividends

ARZGY vs. T - Dividend Comparison

ARZGY's dividend yield for the trailing twelve months is around 4.25%, less than T's 4.71% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ARZGY Assicurazioni Generali SpA ADR	4.25%	3.75%	4.91%	4.00%	6.43%	6.29%	2.04%	3.15%	4.04%	7.97%	11.37%	0.00%
T AT&T Inc.	4.71%	4.47%	4.87%	6.62%	6.66%	8.46%	7.23%	5.22%	7.01%	5.04%	4.51%	5.46%

Financials

Frequently Asked Questions

Can I hold both ARZGY and T in my portfolio?

ARZGY and T have a correlation of 0.13, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, ARZGY or T?

T has higher volatility (6.96%) compared to ARZGY (6.56%). In terms of maximum drawdown, ARZGY dropped -51.13% vs T's -64.15%.

Which has better risk-adjusted returns?

ARZGY currently has the higher Sharpe Ratio (1.64 vs -0.56), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.