(AIZ) Assurant - NYSE
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 12.931m USD | Total Return: 31.7% in 12m
Avg Turnover: 98.4M
EPS Trend: 77.9%
Qual. Beats: 1
Rev. Trend: 99.6%
Qual. Beats: 3
Warnings
No concerns identified
Tailwinds
Supp Ema20, Idiosyncratic Leader
Assurant, Inc. (AIZ) is a global provider of specialized insurance and protection products, operating primarily through its Global Lifestyle and Global Housing segments. Its business model focuses on niche markets, including mobile device protection, extended service contracts for consumer electronics, and lender-placed homeowners insurance.
The company operates within the Property & Casualty insurance sector, where it differentiates itself by integrating with major telecommunications carriers and financial institutions to provide point-of-sale protection. This B2B2C (business-to-business-to-consumer) model creates a recurring revenue stream tied to consumer technology life cycles and mortgage lending requirements.
Investors can further evaluate these operational segments and historical performance trends on ValueRay. Founded in 1892 and rebranded from Fortis, Inc. in 2004, the Atlanta-based firm maintains a significant international footprint across North America, Latin America, Europe, and Asia Pacific.
- Mobile device protection trade-in volumes drive Global Lifestyle segment revenue growth
- Catastrophic weather events impact underwriting margins within the Global Housing segment
- Higher interest rates increase investment income yields on insurance float assets
- Expansion of connected device partnerships scales high-margin service fee revenue streams
- Lender-placed insurance placement rates fluctuate based on domestic mortgage delinquency trends
| Net Income: 1.00b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.43 > 1.0 |
| NWC/Revenue: -180.4% < 20% (prev -85.08%; Δ -95.35% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.68b > Net Income 1.00b |
| Net Debt (286.0m) to EBITDA (1.50b): 0.19 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (50.2m) vs 12m ago -2.96% < -2% |
| Gross Margin: 77.83% > 18% (prev 75.78%; Δ 2.05% > 0.5%) |
| Asset Turnover: 37.20% > 50% (prev 34.50%; Δ 2.70% > 0%) |
| Interest Coverage Ratio: 11.14 > 6 (EBIT TTM 1.24b / Interest Expense TTM 111.2m) |
| A: -0.66 (Total Current Assets 3.95b - Total Current Liabilities 27.7b) / Total Assets 35.8b |
| B: 0.14 (Retained Earnings 4.95b / Total Assets 35.8b) |
| C: 0.04 (EBIT TTM 1.24b / Avg Total Assets 35.4b) |
| D: 0.20 (Book Value of Equity 5.87b / Total Liabilities 29.9b) |
| Altman-Z'' = -3.46 = D |
| DSRI: 0.20 (Receivables 2.03b/9.34b, Revenue 13.2b/12.1b) |
| GMI: 0.97 (GM 75.78% / 77.83%) |
| AQI: 1.46 (AQ_t 0.87 / AQ_t-1 0.59) |
| SGI: 1.09 (Revenue 13.2b / 12.1b) |
| TATA: -0.02 (NI 1.00b - CFO 1.68b) / TA 35.8b) |
| Beneish M = -3.37 (Cap -4..+1) = AA |
As of June 17, 2026, the stock is trading at USD 260.55 with a total of 266,090 shares traded.
Over the past week, the price has changed by +2.95%,
over one month by +2.25%,
over three months by +17.20% and
over the past year by +31.69%.
Assurant has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy AIZ.
- StrongBuy: 3
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 280.5 | 7.7% |
P/E Trailing = 13.3704
P/E Forward = 10.2145
P/S = 0.9826
P/B = 2.1822
P/EG = 2.1593
Revenue TTM = 13.2b USD
EBIT TTM = 1.24b USD
EBITDA TTM = 1.50b USD
Long Term Debt = 2.21b USD (from longTermDebt, last quarter)
Short Term Debt = 20.3m USD (from shortTermDebt, two quarters ago)
Debt = 2.21b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 286.0m USD (calculated: Debt 2.21b - CCE 1.92b)
Enterprise Value = 13.2b USD (12.9b + Debt 2.21b - CCE 1.92b)
Interest Coverage Ratio = 11.14 (Ebit TTM 1.24b / Interest Expense TTM 111.2m)
EV/FCF = 9.10x (Enterprise Value 13.2b / FCF TTM 1.45b)
FCF Yield = 10.99% (FCF TTM 1.45b / Enterprise Value 13.2b)
FCF Margin = 11.03% (FCF TTM 1.45b / Revenue TTM 13.2b)
Net Margin = 7.60% (Net Income TTM 1.00b / Revenue TTM 13.2b)
Gross Margin = 77.83% ((Revenue TTM 13.2b - Cost of Revenue TTM 2.92b) / Revenue TTM)
Gross Margin QoQ = 77.51% (prev 78.60%)
Tobins Q-Ratio = 0.37 (Enterprise Value 13.2b / Total Assets 35.8b)
Interest Expense / Debt = 5.04% (Interest Expense 111.2m / Debt 2.21b)
Taxrate = 19.29% (239.1m / 1.24b)
NOPAT = 1.00b (EBIT 1.24b * (1 - 19.29%))
Current Ratio = 0.14 (Total Current Assets 3.95b / Total Current Liabilities 27.7b)
Debt / Equity = 0.38 (Debt 2.21b / totalStockholderEquity, last quarter 5.87b)
Debt / EBITDA = 0.19 (Net Debt 286.0m / EBITDA 1.50b)
Debt / FCF = 0.20 (Net Debt 286.0m / FCF TTM 1.45b)
Total Stockholder Equity = 5.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.83% (Net Income 1.00b / Total Assets 35.8b)
RoE = 17.40% (Net Income TTM 1.00b / Total Stockholder Equity 5.75b)
RoCE = 15.57% (EBIT 1.24b / Capital Employed (Equity 5.75b + L.T.Debt 2.21b))
RoIC = 13.48% (NOPAT 1.00b / Invested Capital 7.42b)
WACC = 6.64% (E(12.9b)/V(15.1b) * Re(7.08%) + D(2.21b)/V(15.1b) * Rd(5.04%) * (1-Tc(0.19)))
Discount Rate = 7.08% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -2.74%
[DCF] Terminal Value 74.34% ; FCFF base≈1.50b ; Y1≈1.41b ; Y5≈1.31b
[DCF] Fair Price = 411.0 (EV 20.6b - Net Debt 286.0m = Equity 20.4b / Shares 49.5m; r=8.35% [WACC [floored]]; 5y FCF grow -7.63% → 2.50% )
EPS Correlation: 77.86 | EPS CAGR: 15.68% | SUE: 0.89 | # QB: 1
Revenue Correlation: 99.60 | Revenue CAGR: 7.74% | SUE: 3.79 | # QB: 3
EPS current Quarter (2026-06-30): EPS=5.16 | Chg30d=-1.71% | Revisions=+0% | Analysts=7
EPS next Quarter (2026-09-30): EPS=4.43 | Chg30d=-1.82% | Revisions=-20% | Analysts=7
EPS current Year (2026-12-31): EPS=21.04 | Chg30d=+2.48% | Revisions=+45% | GrowthEPS=+6.5% | GrowthRev=+8.1%
EPS next Year (2027-12-31): EPS=22.47 | Chg30d=+0.76% | Revisions=+45% | GrowthEPS=+6.8% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: +45%