(AIZ) Assurant - Overview
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 10.988m USD | Total Return: 14.3% in 12m
Device Protection, Home Insurance, Auto Protection, Renters Insurance
Total Rating 54
Safety 39
Buy Signal 0.07
Insurance - Property & Casualty
Industry Rotation: -7.9
Industry Rotation: -7.9
Market Cap:
11.0B
Avg Turnover: 65.5M USD
Avg Turnover: 65.5M USD
ATR:
2.18%
Peers RS (IBD): 55.4
Peers RS (IBD): 55.4
Risk 5d forecast
Volatility24.8%
Rel. Tail Risk-2.31%
Reward TTM
Sharpe Ratio0.52
Alpha6.46
Character TTM
Beta0.389
Beta Downside0.764
Drawdowns 3y
Max DD20.83%
CAGR/Max DD1.25
EPS (Earnings per Share)
EPS CAGR: 11.34%
EPS Trend: 38.6%
EPS Trend: 38.6%
Last SUE: 0.33
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 8.32%
Rev. Trend: 98.5%
Rev. Trend: 98.5%
Last SUE: 1.35
Qual. Beats: 2
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: AIZ Assurant
Assurant, Inc. (AIZ) provides protection services across four continents. Its business model focuses on safeguarding connected devices, homes, and automobiles.
The company operates in two primary segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device protection and extended warranties for electronics and appliances. This segment also includes vehicle protection plans. The Global Housing segment provides lender-placed and voluntary insurance products, including homeowners, renters, and flood insurance. The property and casualty insurance sector is characterized by managing diverse risk portfolios.
Assurant, founded in 1892, changed its name from Fortis, Inc. in 2004. For further in-depth analysis of Assurants financial performance, consider exploring ValueRay.
- Mobile device protection plan sales boost Global Lifestyle revenue
- Interest rate hikes impact Global Housing investment income
- Catastrophic weather events increase insurance claims
- Auto protection plan demand tied to new car sales
Piotroski VR‑10 (Strict)
8.0
| Net Income: 872.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 0.79 > 1.0 |
| NWC/Revenue: -83.82% < 20% (prev -41.54%; Δ -42.28% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.83b > Net Income 872.7m |
| Net Debt (372.8m) to EBITDA (1.45b): 0.26 < 3 |
| Current Ratio: 0.55 > 1.5 & < 3 |
| Outstanding Shares: last quarter (50.2m) vs 12m ago -3.61% < -2% |
| Gross Margin: 77.15% > 18% (prev 0.77%; Δ 7.64k% > 0.5%) |
| Asset Turnover: 35.94% > 50% (prev 33.92%; Δ 2.02% > 0%) |
| Interest Coverage Ratio: 10.91 > 6 (EBITDA TTM 1.45b / Interest Expense TTM 109.7m) |
Altman Z''
-1.13
| A: -0.30 (Total Current Assets 13.15b - Total Current Liabilities 23.89b) / Total Assets 36.29b |
| B: 0.13 (Retained Earnings 4.83b / Total Assets 36.29b) |
| C: 0.03 (EBIT TTM 1.20b / Avg Total Assets 35.66b) |
| D: 0.14 (Book Value of Equity 4.28b / Total Liabilities 30.42b) |
| Altman-Z'' Score: -1.13 = CCC |
Beneish M
-2.91
| DSRI: 0.82 (Receivables 8.60b/9.76b, Revenue 12.81b/11.88b) |
| GMI: 0.99 (GM 77.15% / 76.71%) |
| AQI: 1.41 (AQ_t 0.61 / AQ_t-1 0.43) |
| SGI: 1.08 (Revenue 12.81b / 11.88b) |
| TATA: -0.03 (NI 872.7m - CFO 1.83b) / TA 36.29b) |
| Beneish M-Score: -2.91 (Cap -4..+1) = A |
What is the price of AIZ shares?
As of April 13, 2026, the stock is trading at USD 219.40 with a total of 210,545 shares traded.
Over the past week, the price has changed by +0.65%, over one month by +1.90%, over three months by -7.53% and over the past year by +14.29%.
Over the past week, the price has changed by +0.65%, over one month by +1.90%, over three months by -7.53% and over the past year by +14.29%.
Is AIZ a buy, sell or hold?
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
What are the forecasts/targets for the AIZ price?
| Analysts Target Price | 260 | 18.5% |
Assurant (AIZ) - Fundamental Data Overview
as of 11 April 2026
P/E Trailing = 12.9669 P/E Forward = 10.2145
P/S = 0.8575
P/B = 2.0039
P/EG = 2.1593
Revenue TTM = 12.81b USD
EBIT TTM = 1.20b USD
EBITDA TTM = 1.45b USD
Long Term Debt = 2.21b USD (from longTermDebt, last quarter)
Short Term Debt = 20.3m USD (from shortTermDebt, last quarter)
Debt = 2.21b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 372.8m USD (from netDebt column, last quarter)
Enterprise Value = 11.36b USD (10.99b + Debt 2.21b - CCE 1.83b)
Interest Coverage Ratio = 10.91 (Ebit TTM 1.20b / Interest Expense TTM 109.7m)
EV/FCF = 7.11x (Enterprise Value 11.36b / FCF TTM 1.60b)
FCF Yield = 14.07% (FCF TTM 1.60b / Enterprise Value 11.36b)
FCF Margin = 12.47% (FCF TTM 1.60b / Revenue TTM 12.81b)
Net Margin = 6.81% (Net Income TTM 872.7m / Revenue TTM 12.81b)
Gross Margin = 77.15% ((Revenue TTM 12.81b - Cost of Revenue TTM 2.93b) / Revenue TTM)
Gross Margin QoQ = 78.60% (prev 78.04%)
Tobins Q-Ratio = 0.31 (Enterprise Value 11.36b / Total Assets 36.29b)
Interest Expense / Debt = 1.28% (Interest Expense 28.3m / Debt 2.21b)
Taxrate = 20.56% (58.3m / 283.5m)
NOPAT = 950.9m (EBIT 1.20b * (1 - 20.56%))
Current Ratio = 0.55 (Total Current Assets 13.15b / Total Current Liabilities 23.89b)
Debt / Equity = 0.38 (Debt 2.21b / totalStockholderEquity, last quarter 5.87b)
Debt / EBITDA = 0.26 (Net Debt 372.8m / EBITDA 1.45b)
Debt / FCF = 0.23 (Net Debt 372.8m / FCF TTM 1.60b)
Total Stockholder Equity = 5.59b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.45% (Net Income 872.7m / Total Assets 36.29b)
RoE = 15.61% (Net Income TTM 872.7m / Total Stockholder Equity 5.59b)
RoCE = 15.35% (EBIT 1.20b / Capital Employed (Equity 5.59b + L.T.Debt 2.21b))
RoIC = 12.29% (NOPAT 950.9m / Invested Capital 7.74b)
WACC = 6.29% (E(10.99b)/V(13.19b) * Re(7.35%) + D(2.21b)/V(13.19b) * Rd(1.28%) * (1-Tc(0.21)))
Discount Rate = 7.35% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -3.08%
[DCF] Terminal Value 87.40% ; FCFF base≈1.46b ; Y1≈1.81b ; Y5≈3.08b
[DCF] Fair Price = 1.63k (EV 81.38b - Net Debt 372.8m = Equity 81.01b / Shares 49.7m; r=6.29% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 38.62 | EPS CAGR: 11.34% | SUE: 0.33 | # QB: 0
Revenue Correlation: 98.50 | Revenue CAGR: 8.32% | SUE: 1.35 | # QB: 2
EPS next Quarter (2026-06-30): EPS=5.25 | Chg7d=-0.069 | Chg30d=-0.063 | Revisions Net=-4 | Analysts=6
EPS current Year (2026-12-31): EPS=20.54 | Chg7d=-0.234 | Chg30d=-0.232 | Revisions Net=-1 | Growth EPS=+3.9% | Growth Revenue=+6.8%
EPS next Year (2027-12-31): EPS=22.11 | Chg7d=-0.155 | Chg30d=-0.149 | Revisions Net=+1 | Growth EPS=+7.7% | Growth Revenue=+6.1%
[Analyst] Revisions Ratio: -0.67 (1 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.2% (Discount Rate 7.9% - Earnings Yield 7.7%)
[Growth] Growth Spread = +7.0% (Analyst 7.2% - Implied 0.2%)
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