Assurant, Inc. (AIZ)

NYSE: AIZ · USD

$285

-1.43 (-0.5%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-09-20

Our latest published analysis: AIZ rated Hold

Assurant, Inc.'s published Hold conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$262 / share

Potential value

$382 / share

Upside to FV

-7.2%

from $285

Moat

6.5/10

Narrow

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$13.9B
Revenue (ttm)	13.5B
Net income (ttm)	1.1B
EPS (ttm)	$20.9
Shares out	49.3M
P/E (trailing)	13.6x
P/E (forward)	12.0x
Dividend	$3.52 (1.24%)
Volume	219,136
Beta	0.53

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 13.5B
Net income (ttm): 1.1B
EPS (ttm): $20.9
P/E (trailing): 13.6x
P/E (forward): 12.0x
Market cap: $13.9B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$10.19B	$10.19B	$11.13B	$11.88B	$12.81B	+5.9%
Gross profit	$7.99B	$0	$0	$0	$0	—
Operating income	$883.0M	$458.2M	$914.8M	$1.03B	$1.20B	+7.9%
Net income	$1.36B	$276.6M	$642.5M	$760.2M	$872.7M	-10.5%
EPS (diluted)	$22.66	$5.05	$11.95	$14.46	$16.93	-7.0%
EBITDA	$1.06B	$640.0M	$1.11B	$1.26B	$1.45B	+8.2%
R&D	—	—	—	—	—	—
SG&A	$3.25B	—	—	—	—	—

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	強い買い
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	強い買い
AJG	Arthur J. Gallagher & Co.	66.7B	43.2x	4.4x	6.6%	+15.3%	-5.7%	買い
ALL	The Allstate Corporation	63.2B	5.0x	0.9x	32.6%	+8.5%	+31.8%	強い買い
AMP	Ameriprise Financial, Inc.	43.1B	11.8x	2.2x	43.0%	+8.9%	+1.1%	買い
AON	Aon plc	66.8B	17.2x	3.8x	16.3%	+7.9%	-5.5%	買い

Base and Bull scenarios

Base55%

Price target

$261.98

-7.2% from spot

Assurant achieves Fair value at $261.98 and target $261.98 (probability 55.0%%, return -7.2%% from $282.23), driven by steady mobile protection subscriber renewals and disciplined housing loss ratios.

Consensus revenue growth path realized through FY2027
Consolidated operating margins remain stable within historical norms
Diluted share repurchases continue at recent annualized run rates

Bull20%

Price target

$382.31

+35.5% from spot

Potential value reaches $382.31 and target $382.31 (probability 20.0%%, return 35.5%%), as accelerated international carrier expansion and benign storm seasons expand operating margins above consensus expectations.

Non-US connected living revenue accelerates above domestic growth
Benign weather seasons lower combined ratios across lender-placed housing
Valuation multiples expand toward top-tier specialty peers

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($261.98). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	1.5%	2.0%	2.5%	3.0%	3.5%
5.2%	$322	$344	$375	$419	$490
6.2%	$276	$289	$305	$325	$353
7.2%	$245	$253	$262	$273	$288
8.2%	$222	$227	$233	$240	$248
9.2%	$204	$207	$211	$215	$220

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E12

P25 n/aP50 n/aP75 n/a

Trailing P/E13.5

P25 n/aP50 n/aP75 n/a

ROE18.3

P25 n/aP50 n/aP75 n/a

ROIC14.4

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All AIZ indicators

Market & fundamental data

Available fields

272

Groups with data

Currency

USD

Showing 272 of 272 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0001267238
Company name	Assurant, Inc.
Country	United States
Country code	US
CUSIP number	04621X108
Earnings date	2026-11-03
Earnings time	amc
Employees	14,800
Employees change	600
Employees growth	4.23%
Enterprise value	$14.6B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1892
In index	SP500
Industry	Insurance - Property & Casualty
Is primary listing	Yes
Is SPAC	No
ISIN number	US04621X1081
Last 10-K release date	2026-02-19
Last earnings date	2026-08-04
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$14.1B
Market cap category	Large-Cap
Next earnings date	2026-11-03
Options	Yes
Price	$284.88
Price currency	USD
Sector	Financials
SIC code	6399
Stock price date	2026-10-28
Symbol	AIZ
U.S. state	Georgia
Website	https://www.assurant.com

Valuation

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

Metric	Value
Adjusted P/E ratio	12.02x
Average P/E ratio (10Y)	15.49x
Average P/E ratio (3Y)	13.44x
Average P/E ratio (5Y)	14.16x
Earnings yield	7.33%
EV/Earnings	13.77x
EV/EBIT	9.89x
EV/EBITDA	8.36x
EV/FCF	8.77x
EV/Sales	1.08x
FCF / EV yield	11.4%
FCF yield	11.81%
Forward EV/Sales	1.04x
Forward P/E	12.78x
Forward P/S	1x
Graham number	240.86986
Graham upside	-15.22%
Industry forward P/E	12.55x
Industry P/E	10.1x
Lynch fair value	$381.28
Lynch upside	34.2%
P/(FCF - SBC) ratio	8.96x
P/(OCF - SBC) ratio	7.88x
P/B ratio	2.32x
P/E ratio	13.64x
P/FCF ratio	8.46x
P/OCF ratio	7.49x
P/S ratio	1.04x
Price / tangible book value	4.74x
Price/EBITDA ratio	8.07x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

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

Metric	Value
EBIT margin	10.91%
EBITDA margin	12.91%
Effective tax rate	19.87%
FCF margin	12.3%
Gross margin	13.27%
Operating margin	10.91%
Pretax margin	9.86%
Profit margin	7.9%
Profit per employee	$71,264
Profitable quarters	23
Profitable years	23
Revenue per employee	$909,203
ROA	2.56%
ROA (5Y)	1.65%
ROCE	17.25%
ROE	18.34%
ROE (5Y)	12.34%
ROIC	14.37%
ROIC (5Y)	10.18%
SBC / revenue	0.68%
Tax / revenue	1.96%

Growth

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

Metric	Value
EPS growth	51.7%
EPS growth (Q)	30.48%
EPS growth (QoQ)	9.98%
EPS growth 10Y	11.91%
EPS growth 3Y	48.22%
EPS growth 5Y	22.55%
EPS growth quarters	5
EPS growth years	3
FCF growth	70.89%
FCF growth (Q)	99.03%
FCF growth (QoQ)	112.46%
FCF growth 3Y	12.17%
FCF growth 5Y	3.14%
Net income growth	48.33%
Net income growth (Q)	26.9%
Net income growth (QoQ)	9.01%
Net income growth 3Y	45.09%
Net income growth 5Y	18.26%
Net income growth quarters	5
Net income growth years	3
OCF growth	56.26%
OCF growth (Q)	71.15%
OCF growth (QoQ)	89.1%
OCF growth 3Y	10.94%
OCF growth 5Y	3.45%
Revenue growth	9.36%
Revenue growth (Q)	9.37%
Revenue growth (QoQ)	1%
Revenue growth 10Y	4.13%
Revenue growth 3Y	8.36%
Revenue growth 5Y	6.63%
Revenue growth quarters	15
Revenue growth years	8

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-215.1M
EBIT	$1.5B
EBITDA	$1.7B
EPS	$20.88
FCF per share	$33.57
Financing cash flow	$-467.1M
Free cash flow	$1.7B
Free cash flow minus SBC	$1.6B
Gross profit	$1.8B
Income taxes	$263.7M
Investing cash flow	$-1.2B
Net borrowing	$121.7M
Net cash flow	$212M
Net income	$1.1B
Operating cash flow minus SBC	$1.8B
Operating income	$1.5B
Revenue	$13.5B
Stock-based compensation	$91.6M

Financial strength

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

Metric	Value
Book value per share	$123.48
Debt / EBITDA	1.26
Debt / equity	0.36
Debt / FCF	1.33
Goodwill	$2.7B
Interest coverage	13.01
Net cash (debt)	$-509.4M
Net cash / market cap	-3.63%
Net debt / EBITDA	0.29
Net debt / equity	0.08
Net debt / FCF	0.31
Piotroski F-Score	5
Property, plant and equipment	$849.6M
Shareholders' equity	$6.1B
Tangible book value	$3B
Tangible book value per share	$59.82
Total assets	$36.1B
Total cash	$2B
Total debt	$2.2B
Total liabilities	$30B
WACC	6.73%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.38
Current ratio	0.38
Net working capital	$-18.7B
Quick ratio	0.15
Working capital	$-17B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	1.49%
Dividend growth	10%
Dividend growth (10Y)	5.82%
Dividend growth (3Y)	7.93%
Dividend growth (5Y)	5.92%
Dividend growth years	21
Dividend payment date	2026-09-28
Dividend payment years	23
Dividend payout frequency	Quarterly
Dividend per share	$3.52
Dividend yield	1.24%
Ex-dividend date	2026-08-31
FCF payout ratio	10.49%
Last dividend	$0.88
Payout ratio	16.86%
Shareholder yield	2.73%

Performance and technicals

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

Metric	Value
10Y price change	255.34%
10Y return CAGR	15.71%
10Y total return	330.27%
150-day SMA	$262.75
15Y price change	615.05%
15Y return CAGR	16.25%
15Y total return	856.47%
1D price change	-0.5%
1M price change	7.5%
1M total return	7.5%
1W price change	0.2%
1W total return	0.2%
1Y price change	34.26%
1Y return CAGR	36.24%
1Y total return	36.21%
20-day SMA	$276.93
200-day SMA	$253.96
20Y price change	437.4%
20Y return CAGR	10.81%
20Y total return	678.75%
3M price change	2.89%
3M total return	3.21%
3Y price change	95.07%
3Y return CAGR	26.87%
3Y total return	104.23%
50-day SMA	$278.25
50-day SMA vs 200-day SMA	50over200
52-week high	$303.94
52-week high date	2026-08-06
52-week low	$206.03
52-week low date	2025-10-29
5Y price change	76.94%
5Y return CAGR	13.99%
5Y total return	92.4%
6M price change	22.41%
6M total return	23.21%
All-time high	$303.94
All-time high date	2026-08-06
All-time low	$12.52
All-time low date	2008-11-20
Average true range (ATR)	$5.03
Average volume	339.6K
Beta (1Y)	0.32
Beta (2Y)	0.59
Beta (5Y)	0.53
Change from 52-week high	-6.27%
Change from 52-week low	38.27%
Change from all-time high	-6.27%
Change from all-time low	2,175.36%
Change from open	-0.34%
Day's gap	-0.16%
Dollar volume	$62.4M
High price	$286.55
Low price	$284.12
Monthly RSI	68.2
Open price	$285.84
Position in 52-week range	31.07%
Premarket change	-1.15%
Premarket close	$286.30
Premarket price	$283.02
Previous close	$286.30
Price vs 150-day SMA	8.42%
Price vs 20-day SMA	2.87%
Price vs 200-day SMA	12.17%
Price vs 50-day SMA	2.38%
Relative volume	0.65
RSI	58.08
Sharpe ratio	1.33
Sharpe ratio (3Y)	0.95
Sharpe ratio (5Y)	0.47
Sortino ratio	2.23
Sortino ratio (3Y)	1.74
Sortino ratio (5Y)	0.91
Volume	219.1K
Weekly RSI	63.68
YTD price change	18.28%
YTD total return	19.54%

Ownership and float

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

Metric	Value
Float	49M
Float percentage	99.26%
Shares change (QoQ)	-0.73%
Shares change (YoY)	-1.49%
Shares held by insiders	0.63%
Shares held by institutions	101.26%
Shares outstanding	49.3M
Short % of float	2.7%
Short % of shares	2.68%
Short ratio	3.5 days

Deeper analysis on AIZ

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this AIZ report

What is the latest published AIZ stock rating?

Assurant, Inc. is shown with Hold in the latest published report, analyzed 2026-09-20. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full AIZ analysis?

The full latest published report, analyzed 2026-09-20, lives at /stocks/AIZ/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for AIZ?

The latest published report analyzed 2026-09-20 gives AIZ a fair value of USD 262 and a potential value of USD 382. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the AIZ page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-09-20). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

HoldAIZ · Fair value $262-7.2%

Read full analysis →

Category	Score	Reading
Valuation	4.5
Management	6.5
Balance Sheet	4.0
Profitability	6.0
Revenue Growth	6.0
Risk Assessment	6.0
Competitive Moat	6.5
Earnings Quality	9.0
Capital Efficiency	5.5

Assurant, Inc. (AIZ)

Our latest published analysis: AIZ rated Hold

Price

Financial snapshot

Fair-value bridge

Latest news · AIZ

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All AIZ indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on AIZ

Frequently asked questions

レーティング履歴