AIZ Stock Analysis: Assurant | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 13.185m USD | 12M Return: 26.3% | US04621X1081 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 108M
EPS Trend: 81.9%
Qual. Beats: 2
Rev. Trend: 99.6%
Qual. Beats: 4
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Assurant, Inc. (NYSE: AIZ) is a specialty insurance provider focused on protection products for connected devices, homes, and automobiles across North America, Latin America, Europe, and the Asia Pacific. The company operates through two segments: Global Lifestyle, offering mobile device solutions, extended service contracts for consumer electronics and appliances, credit insurance, and commercial equipment coverage; and Global Housing, providing lender-placed homeowners, manufactured housing, flood, and renters insurance. Headquartered in Atlanta, Georgia, Assurant was founded in 1892 and was previously known as Fortis, Inc. before adopting its current name in February 2004.
The company operates within the Property & Casualty Insurance sub-industry of the broader Financials sector, with a large-cap market capitalization of $13.07 billion. Its segment structure highlights a business model centered on niche insurance and service contract products rather than traditional broad-market personal or commercial lines.
- Mobile device trade-in volume growth drives Global Lifestyle margins
- Lender-placed insurance pricing pressure affects Global Housing profitability
- Capital allocation continues share buybacks and specialty acquisitions
| Net Income: 1.06b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 1.43 > 1.0 |
| NWC/Revenue: 49.06% < 20% (prev -85.08%; Δ 134.1% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.87b > Net Income 1.06b |
| Net Debt (-9.64b) to EBITDA (1.70b): -5.66 < 3 |
| Current Ratio: 1.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (49.8m) vs 12m ago -3.38% < -2% |
| Gross Margin: 78.12% > 18% (prev 76.04%; Δ 2.08% > 0.5%) |
| Asset Turnover: 37.58% > 50% (prev 34.64%; Δ 2.95% > 0%) |
| Interest Coverage Ratio: 12.76 > 6 (EBIT TTM 1.44b / Interest Expense TTM 112.9m) |
| A: 0.18 (Total Current Assets 30.7b - Total Current Liabilities 24.1b) / Total Assets 36.1b |
| B: 0.14 (Retained Earnings 5.13b / Total Assets 36.1b) |
| C: 0.04 (EBIT TTM 1.44b / Avg Total Assets 35.8b) |
| D: 0.20 (Book Value of Equity 6.10b / Total Liabilities 30.0b) |
| Altman-Z'' = 2.15 = BBB |
| DSRI: 0.83 (Receivables 8.49b/9.38b, Revenue 13.5b/12.3b) |
| GMI: 0.97 (GM 76.04% / 78.12%) |
| AQI: 0.21 (AQ_t 0.12 / AQ_t-1 0.60) |
| SGI: 1.09 (Revenue 13.5b / 12.3b) |
| TATA: -0.02 (NI 1.06b - CFO 1.87b) / TA 36.1b) |
| Beneish M = -3.60 (Cap -4..+1) = AAA |
As of October 09, 2026, the stock is trading at USD 272.86 with a total of 256,839 shares traded. Over the past week, the price has changed by +2.49%, over one month by -2.90%, over three months by -1.56% and over the past year by +26.25%.
Current recommended Stop Loss: 265.60 (which is 2.7% or 1.3 ATR below the current price).
Assurant has received a consensus analysts rating of 4.57. Therefore, it is recommended to buy AIZ.
- StrongBuy: 4
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 330 | 20.9% |
P/E Trailing = 12.8027
P/E Forward = 10.929
P/S = 0.9799
P/B = 2.2956
P/EG = 2.1593
Revenue TTM = 13.5b USD
EBIT TTM = 1.44b USD
EBITDA TTM = 1.70b USD
Long Term Debt = 2.21b USD (from longTermDebt, last quarter)
Short Term Debt = 299.3m USD (from shortTermDebt, last quarter)
Debt = 2.21b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -9.64b USD (calculated: Debt 2.21b - CCE 11.9b)
Enterprise Value = 3.54b USD (13.2b + Debt 2.21b - CCE 11.9b)
Interest Coverage Ratio = 12.76 (Ebit TTM 1.44b / Interest Expense TTM 112.9m)
EV/FCF = 2.14x (Enterprise Value 3.54b / FCF TTM 1.66b)
FCF Yield = 46.73% (FCF TTM 1.66b / Enterprise Value 3.54b)
FCF Margin = 12.30% (FCF TTM 1.66b / Revenue TTM 13.5b)
Net Margin = 7.90% (Net Income TTM 1.06b / Revenue TTM 13.5b)
Gross Margin = 78.12% ((Revenue TTM 13.5b - Cost of Revenue TTM 2.94b) / Revenue TTM)
Gross Margin QoQ = 78.34% (prev 77.51%)
Tobins Q-Ratio = 0.10 (Enterprise Value 3.54b / Total Assets 36.1b)
Interest Expense / Debt = 5.11% (Interest Expense 112.9m / Debt 2.21b)
Taxrate = 19.87% (263.7m / 1.33b)
NOPAT = 1.15b (EBIT 1.44b * (1 - 19.87%))
Current Ratio = 1.27 (Total Current Assets 30.7b / Total Current Liabilities 24.1b)
Debt / Equity = 0.36 (Debt 2.21b / totalStockholderEquity, last quarter 6.10b)
Debt / EBITDA = -5.66 (Net Debt -9.64b / EBITDA 1.70b)
Debt / FCF = -5.82 (Net Debt -9.64b / FCF TTM 1.66b)
Total Stockholder Equity = 5.90b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.97% (Net Income 1.06b / Total Assets 36.1b)
RoE = 18.03% (Net Income TTM 1.06b / Total Stockholder Equity 5.90b)
RoCE = 17.76% (EBIT 1.44b / Capital Employed (Equity 5.90b + L.T.Debt 2.21b))
RoIC = 9.96% (NOPAT 1.15b / Invested Capital 11.6b)
WACC = 6.45% (E(13.2b)/V(15.4b) * Re(6.84%) + D(2.21b)/V(15.4b) * Rd(5.11%) * (1-Tc(0.20)))
Discount Rate = 6.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.01 | Cagr: -2.60%
[DCF] Terminal Value 77.97% ; FCFF base≈1.44b ; Y1≈1.65b ; Y5≈2.43b
[DCF] Fair Price = 937.8 (EV 36.6b - Net Debt -9.64b = Equity 46.3b / Shares 49.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 81.88 | EPS CAGR: 15.11% | SUE: 3.24 | # QB: 2
Revenue Correlation: 99.60 | Revenue CAGR: 7.74% | SUE: 1.38 | # QB: 4
EPS current Quarter (2026-09-30): EPS=4.60 | Chg30d=+1.74% | Revisions=+10% | Analysts=7
EPS current Year (2026-12-31): EPS=22.36 | Chg30d=+0.42% | Revisions=+70% | GrowthEPS=+13.1% | GrowthRev=+8.2%
EPS next Year (2027-12-31): EPS=23.43 | Chg30d=+0.00% | Revisions=+70% | GrowthEPS=+4.8% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: +62% (up=18, down=3)