Sector pending / Surety InsuranceUpdated 2026-05-10 22:07 UTC

FRA/ZAS stock hub

FRA/ZAS has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

10.1B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/ZAS

In the news

Latest news · FRA/ZAS

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E11.5

P25 n/aP50 n/aP75 n/a

Trailing P/E11.7

P25 n/aP50 n/aP75 n/a

ROE18

P25 n/aP50 n/aP75 n/a

ROIC13.7

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/ZAS market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

215

Groups with data

Currency

USD

Showing 215 of 215 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United States
Country code	DE
Employees	14,800
Employees Change	600%
Employees Change Percent	4.41
Enterprise value	EUR 10.6B
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Surety Insurance
Last refreshed	2026-05-10
Market cap	EUR 10.1B
Price	EUR 199
Price currency	EUR
Rev Per Employee	771,217.22x
Sic	6351
Symbol	fra/ZAS
Website	https://www.assurant.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	8.52%
EV Earnings	12.34x
EV/EBIT	9.06x
EV/EBITDA	7.52x
EV/FCF	8.43x
EV/Sales	0.95x
FCF yield	12.48%
Forward P/E	11.53x
P/B ratio	1.98x
P/E ratio	11.73x
P/S ratio	0.88x
PE Ratio10 Y	15.47x
PE Ratio3 Y	13.99x
PE Ratio5 Y	14.56x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	10.48%
EBITDA Margin	12.45%
FCF margin	11.03%
Gross margin	12.75%
Gross Profit	EUR 1.5B
Net Income	EUR 860M
Net Income Growth	49.2%
Net Income Growth Q	86.97%
Net Income Growth3 Y	60.2%
Net Income Growth5 Y	18.54%
Pretax Margin	9.42%
Profit Margin	7.6%
Profit Per Employee	EUR 58,109
ROA	2.44
Roa5y	1.65
ROCE	16.64
ROE	18.02
Roe5y	12.34
ROIC	13.72
Roic5y	10.18

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	12.36%
Cagr15y	16.78%
Cagr1y	16.19%
Cagr20y	10.46%
Cagr3y	20.7%
Cagr5y	10.44%
Div CAGR10	7.08%
Div CAGR3	2.9%
Div CAGR5	5.49%
EPS Growth	52.33
EPS Growth Q	91.17
EPS Growth3 Y	63.53
EPS Growth5 Y	22.57
FCF Growth	2.35%
FCF Growth Q	-43.19%
FCF Growth3 Y	7.65%
FCF Growth5 Y	9.88%
OCF Growth	2.39%
OCF Growth Q	-38.76%
OCF Growth10 Y	34.59%
OCF Growth3 Y	7.4%
OCF Growth5 Y	9.94%
Revenue Growth	9.02x
Revenue Growth Q	11.26x
Revenue Growth3 Y	8.33x
Revenue Growth5 Y	6.57x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.37
Assets	EUR 31B
Cash	EUR 1.7B
Debt	EUR 1.9B
Debt EBITDA	EUR 1.33
Debt Equity	EUR 0.38
Debt FCF	EUR 1.52
Equity	EUR 5.1B
Interest Coverage	12.4
Liabilities	EUR 25.9B
Net Cash	EUR -534.1M
Net Cash By Market Cap	EUR -5.29
Net Debt EBITDA	EUR 0.38
Net Debt Equity	EUR 0.1
Net Debt FCF	EUR 0.42
Tangible Book Value	EUR 2.3B
Tangible Book Value Per Share	EUR 47.21

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.39
Net Working Capital	EUR -16B
Quick ratio	0.14
Working Capital	EUR -14.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	1.59%
Dividend Growth	1.54%
Dividend Growth Years	22%
Dividend per share	EUR 2.89
Dividend Years	23
Dividend Yield	1.45%
Ex Div Date	2026-02-17
Last Dividend	EUR 0.74
Payout Frequency	Quarterly
Payout Ratio	17.15%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	220.55%
1Y total return	16.18%
200-day SMA	188.1
3Y total return	75.85%
50-day SMA	191.4
50-day SMA vs 200-day SMA	50over200
5Y total return	64.3%
All Time High	216
All Time High Change	-7.87%
All Time High Date	2024-11-26
All Time Low	9.98
All Time Low Change	1,893.99%
All Time Low Date	2008-11-21
ATR	2.16
Ch YTD	-2.45
High	199
High52	204
High52 Date	2026-02-09
High52ch	-2.45%
Low	199
Low52	156
Low52 Date	2025-07-25
Low52ch	27.56%
Ma50ch	4%
Price vs 200-day SMA	5.81%
RSI	58.05
RSI Monthly	58.86
RSI Weekly	56.41
Sharpe ratio	0.58x
Sortino ratio	1.04
Total Return	3.05%
Tr YTD	-2.05
Tr15y	925.19%
Tr1m	5.85%
Tr1w	1.02%
Tr3m	-2.05%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 1.2B
Operating margin	10.48

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	49,367,486%
Net Borrowing	103,196,975.4
Shares Insiders	0.74%
Shares Institutions	98.83%
Shares Qo Q	-0.93%
Shares Yo Y	-1.59%
Short Ratio	1.99

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 1.2B
Average Volume	0x
Bv Per Share	102.5
CAPEX	EUR -199.3M
Ch10y	163.1
Ch15y	662.3
Ch1m	5.85
Ch1w	1.02
Ch1y	14.37
Ch20y	404.7
Ch3m	-2.45
Ch3y	67.23
Ch5y	50.76
Ch6m	6.42
Change	-0.9%
Change From Open	0
Close	200.8
Days Gap	-0.9
Earnings Date	2026-05-05
EBIT	EUR 1.2B
EBITDA	EUR 1.4B
EPS	EUR 16.92
F Score	5
FCF	EUR 1.3B
FCF EV Yield	11.87x
Financing CF	-388,637,130
Fiscal Year End	December
Founded	1,892
Goodwill	2,250,915,129
Graham Number	195.76167
Graham Upside	-1.63
Income Tax	EUR 207.4M
Investing CF	-1,143,535,050
Is Primary Listing	0
Last Earnings Date	2026-05-05
Last Report Date	2026-03-31
Lynch Fair Value	EUR 314
Lynch Upside	58.02
Ma150	192.1
Ma150ch	3.58%
Ma20	194.5
Ma20ch	2.29%
Net CF	-67,562,670
Next Earnings Date	2026-08-04
Open	199
P FCF Ratio	8.01
P OCF Ratio	6.92
Payment Date	2026-03-30
Ppne	719,834,941.8
Price Date	2026-05-08
Price EBITDA	EUR 7.1
Ptbv Ratio	4.3
Relative Volume	2,000x
Revenue	11,414,014,920x
SBC By Revenue	0.67x
Share Based Comp	76,495,860
Tax By Revenue	1.82x
Tax Rate	19.29%
Tr20y	631.38%
Tr6m	7.27%
Volume	0

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/ZAS dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.5%

$2.89 annual per share

Payout ratio

+17.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+5.5%

22 consecutive years of growth

Total shareholder yield

+3.0%

Next ex-dividend date: 2026-02-17

Performance

FRA/ZAS stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/ZAS?

Insider, institutional, and short-interest positioning.

Institutional ownership

+98.8%

Share of float held by funds and institutions

Insider ownership

+0.7%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/ZAS momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

58.0

Neutral momentum band

Price vs 200-day MA

+5.8%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.58

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/ZAS

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/ZAS stock rating?

fra/ZAS is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/ZAS analysis?

The full report lives at /stocks/fra/ZAS/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/ZAS?

The latest report frames fra/ZAS around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/ZAS page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.