Overview Dividends

(AIZ) Assurant - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US04621X1081

Mobile, Electronics, Vehicle, Housing, Renters

Property & Casualty Insurance
Market Cap in USD: 11,995m

IPO / Inception: 2004-02-05
Return 12m vs S&P 500: -2.0%

EPS (Earnings per Share)

EPS CAGR: 25.16%
EPS Trend: 34.6%

Last SUE: 3.51
Qual. Beats: 4

Revenue

Rev. CAGR: 6.24%
Rev. Trend: 97.3%

Last SUE: 1.33
Qual. Beats: 1

Dividends

Dividend Yield	1.39%
Yield on Cost 5y	2.58%
Yield CAGR 5y	5.38%
Payout Consistency	100.0%
Payout Ratio	17.3%

Risk via 5d forecast
Volatility	21.2%
Value at Risk 5%th	33.6%
Relative Tail Risk	-3.75%

Reward TTM
Sharpe Ratio	0.43
Alpha	-1.21
CAGR/Max DD	1.14

Character TTM
Hurst Exponent	0.519
Beta	0.656
Beta Downside	0.679

Drawdowns 3y
Max DD	22.23%
Mean DD	5.77%
Median DD	4.69%

Description: AIZ Assurant January 06, 2026

Assurant Inc. (AIZ) delivers protection-related services across three core lines-mobile-device and consumer-electronics warranties, vehicle and equipment coverage, and a suite of homeowner-related insurance products-through its Global Lifestyle and Global Housing segments. The company operates in North America, Latin America, Europe and the Asia-Pacific, and traces its roots back to 1892 (formerly Fortis, Inc.).

In FY 2023 the firm reported roughly $13.5 billion in total revenue, with the Global Lifestyle segment contributing about 55 % and the Global Housing segment 45 %. The combined ratio for the property-and-casualty book was 93 % (below the industry average of ~95 %), indicating underwriting profitability, while investment income fell 12 % year-over-year due to a flattening yield curve. These figures suggest a modest earnings buffer but also expose the business to interest-rate volatility.

Key economic drivers for Assurant include continued growth in consumer-electronics penetration (global shipments rose ~4 % YoY in 2023), which fuels demand for extended warranties, and the cyclical nature of the housing market, where mortgage-rate shifts directly affect lender-placed insurance volumes. Additionally, regulatory trends in flood-insurance underwriting and the rollout of “smart-home” risk-mitigation technologies could reshape the Global Housing segment’s loss experience.

For a data-rich, quantitative deep-dive on AIZ’s valuation metrics, the ValueRay platform offers a concise analyst toolkit worth exploring.

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (848.8m TTM) > 0 and > 6% of Revenue (6% = 754.1m TTM)

FCFTA 0.03 (>2.0%) and ΔFCFTA -1.50pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 59.87% (prev 60.44%; Δ -0.57pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.04 (>3.0%) and CFO 1.27b > Net Income 848.8m (YES >=105%, WARN >=100%)

Net Debt (2.21b) to EBITDA (1.40b) ratio: 1.57 <= 3.0 (WARN <= 3.5)

Current Ratio 2.90 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (51.3m) change vs 12m ago -2.18% (target <= -2.0% for YES)

Gross Margin 77.08% (prev 77.07%; Δ 0.00pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 35.35% (prev 33.27%; Δ 2.08pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 10.74 (EBITDA TTM 1.40b / Interest Expense TTM 108.2m) >= 6 (WARN >= 3)

Altman Z'' 2.40

(A) 0.21 = (Total Current Assets 11.49b - Total Current Liabilities 3.97b) / Total Assets 35.78b

(B) 0.13 = Retained Earnings (Balance) 4.73b / Total Assets 35.78b

(D) 0.35 = Book Value of Equity 10.48b / Total Liabilities 30.02b

Total Rating: 2.40 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 78.12

1. Piotroski 7.0pt

2. FCF Yield 8.18%

3. FCF Margin 8.13%

4. Debt/Equity 0.38

5. Debt/Ebitda 1.57

6. ROIC - WACC (= 5.12)%

7. RoE 15.72%

8. Rev. Trend 97.26%

9. EPS Trend 34.64%

What is the price of AIZ shares?

As of January 07, 2026, the stock is trading at USD 235.62 with a total of 338,875 shares traded.
Over the past week, the price has changed by -2.69%, over one month by +6.25%, over three months by +6.70% and over the past year by +15.21%.

Is AIZ a buy, sell or hold?

Assurant has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy AIZ.

Strong Buy: 3
Buy: 2
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the AIZ price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	255.7	8.5%
Analysts Target Price	255.7	8.5%
ValueRay Target Price	277.2	17.7%

AIZ Fundamental Data Overview January 05, 2026

Market Cap USD = 12.00b (12.00b USD * 1.0 USD.USD)
P/E Trailing = 14.4951
P/E Forward = 11.325
P/S = 0.9544
P/B = 2.0946
P/EG = 1.46
Beta = 0.573
Revenue TTM = 12.57b USD
EBIT TTM = 1.16b USD
EBITDA TTM = 1.40b USD
Long Term Debt = 2.21b USD (from longTermDebt, last quarter)
Short Term Debt = 17.7m USD (from shortTermDebt, last fiscal year)
Debt = 2.21b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.21b USD (from netDebt column, last quarter)
Enterprise Value = 12.49b USD (12.00b + Debt 2.21b - CCE 1.71b)
Interest Coverage Ratio = 10.74 (Ebit TTM 1.16b / Interest Expense TTM 108.2m)
FCF Yield = 8.18% (FCF TTM 1.02b / Enterprise Value 12.49b)
FCF Margin = 8.13% (FCF TTM 1.02b / Revenue TTM 12.57b)
Net Margin = 6.75% (Net Income TTM 848.8m / Revenue TTM 12.57b)
Gross Margin = 77.08% ((Revenue TTM 12.57b - Cost of Revenue TTM 2.88b) / Revenue TTM)
Gross Margin QoQ = 78.04% (prev 77.16%)
Tobins Q-Ratio = 0.35 (Enterprise Value 12.49b / Total Assets 35.78b)
Interest Expense / Debt = 1.26% (Interest Expense 27.9m / Debt 2.21b)
Taxrate = 19.81% (65.6m / 331.2m)
NOPAT = 931.9m (EBIT 1.16b * (1 - 19.81%))
Current Ratio = 2.90 (Total Current Assets 11.49b / Total Current Liabilities 3.97b)
Debt / Equity = 0.38 (Debt 2.21b / totalStockholderEquity, last quarter 5.76b)
Debt / EBITDA = 1.57 (Net Debt 2.21b / EBITDA 1.40b)
Debt / FCF = 2.16 (Net Debt 2.21b / FCF TTM 1.02b)
Total Stockholder Equity = 5.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.37% (Net Income 848.8m / Total Assets 35.78b)
RoE = 15.72% (Net Income TTM 848.8m / Total Stockholder Equity 5.40b)
RoCE = 15.28% (EBIT 1.16b / Capital Employed (Equity 5.40b + L.T.Debt 2.21b))
RoIC = 12.40% (NOPAT 931.9m / Invested Capital 7.51b)
WACC = 7.28% (E(12.00b)/V(14.20b) * Re(8.43%) + D(2.21b)/V(14.20b) * Rd(1.26%) * (1-Tc(0.20)))
Discount Rate = 8.43% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.00%
[DCF Debug] Terminal Value 79.87% ; FCFE base≈1.23b ; Y1≈1.48b ; Y5≈2.40b
Fair Price DCF = 758.0 (DCF Value 37.96b / Shares Outstanding 50.1m; 5y FCF grow 21.95% → 3.0% )
EPS Correlation: 34.64 | EPS CAGR: 25.16% | SUE: 3.51 | # QB: 4
Revenue Correlation: 97.26 | Revenue CAGR: 6.24% | SUE: 1.33 | # QB: 1
EPS next Quarter (2026-03-31): EPS=5.27 | Chg30d=+0.079 | Revisions Net=+1 | Analysts=6
EPS next Year (2026-12-31): EPS=20.85 | Chg30d=+0.061 | Revisions Net=+2 | Growth EPS=+6.8% | Growth Revenue=+5.2%

Additional Sources for AIZ Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle