AIZ Stock Analysis: Assurant | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 13.921m USD | 12M Return: 24.5% | US04621X1081 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 96.7M
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. is a Property & Casualty Insurance company within the Financials sector that provides protection services for connected devices, homes, and automobiles across North America, Latin America, Europe, and the Asia Pacific. It operates through two segments: Global Lifestyle, which offers mobile device solutions, extended service contracts for consumer electronics and appliances, credit and other insurance products, and vehicle and commercial equipment protection; and Global Housing, which provides lender-placed homeowners, manufactured housing, flood, renters, and condominium/homeowners insurance.
The company is headquartered in Atlanta, Georgia, was originally founded in 1892, and rebranded from Fortis, Inc. to Assurant, Inc. in February 2004. The Global Housing segments lender-placed insurance model typically activates when a borrower fails to maintain required property coverage, with the policy being placed by the mortgage servicer to protect the lenders collateral interest.
- Mobile device protection revenue tied to carrier trade-in volumes
- Catastrophe losses pressure Global Housing underwriting margins
- Share buybacks accelerate following Employee Benefits divestiture
| 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 September 27, 2026, the stock is trading at USD 265.00 with a total of 360,664 shares traded. Over the past week, the price has changed by -6.10%, over one month by -6.78%, over three months by +1.94% and over the past year by +24.47%.
Current recommended Stop Loss: 256.80 (which is 3.1% or 1.3 ATR below the current price).
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 | 330 | 24.5% |
P/E Trailing = 13.5103
P/E Forward = 10.929
P/S = 1.0345
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 = 4.28b USD (13.9b + Debt 2.21b - CCE 11.9b)
Interest Coverage Ratio = 12.76 (Ebit TTM 1.44b / Interest Expense TTM 112.9m)
EV/FCF = 2.58x (Enterprise Value 4.28b / FCF TTM 1.66b)
FCF Yield = 38.70% (FCF TTM 1.66b / Enterprise Value 4.28b)
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 = 0.12 (Enterprise Value 4.28b / 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 = 6.42% (E(13.9b)/V(16.1b) * Re(6.79%) + D(2.21b)/V(16.1b) * Rd(5.11%) * (1-Tc(0.20)))
Discount Rate = 6.79% (= 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=4.52 | Chg30d=+2.73% | Revisions=+10% | Analysts=7
EPS current Year (2026-12-31): EPS=22.27 | Chg30d=+0.85% | Revisions=+70% | GrowthEPS=+12.6% | GrowthRev=+8.1%
EPS next Year (2027-12-31): EPS=23.43 | Chg30d=+0.70% | Revisions=+70% | GrowthEPS=+5.2% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +62% (up=18, down=3)