AIZ

Assurant, Inc.

Fundamental data last updated:June 5, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Specialty

Exchange

NYSE

County of HQ

US

Next Earnings Date

08/04/2026

Business Summary

Assurant, Inc., together with its subsidiaries, provides lifestyle and housing solutions that support, protect, and connect consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company operates through two segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service products and related services for mobile devices, consumer electronics, and appliances; vehicle protection and related services; and credit protection and other insurance products. The Global Housing segment provides lender-placed homeowners insurance, manufactured housing, and flood insurance; and renters insurance and related products, as well as voluntary manufactured housing insurance, voluntary homeowners insurance, and other specialty products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in New York, New York.

 


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VALUATION

P/E

12.37

Market Cap ($M USD)

$12.33B

Forward P/E

10.20

PEG

0.48

PRICE TO SALES

0.94

PRICE TO BOOK

2.11

EV / EBITDA

8.54

5-Year Average P/E

Free Cash Flow Yield

11.77%

DCF Value

$206.85

Graham Number

$231.23

Price to FCF

8.49

EV to FCF

8.92

Earnings Yield

8.09%

FCF Yield

11.77%

DIVIDEND

Yield

1.35%

Annual Payout

$3.36

Payout Ratio

17.15%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$20.12

Next Year EPS Growth Estimate

$24.41

Next Year Revenue Growth Estimate

$1.54T

Return on Equity (ROE)

17.40%

FREE CASH FLOW

Operating Margin

9.42%

Debt-to-Equity

0.38

Piotroski F-Score

7

Altman Z-Score

0.13

Return on Invested Capital (ROIC)

15.34%

Current Ratio

0.14

Quick Ratio

0.14

Net Debt to EBITDA

0.41

Interest Coverage

11.14

Gross Profit margin

77.83%

FCF PER SHARE

$29.21

REVENUE PER SHARE

$264.78

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Gainseekers Quantitative Analysis

Summary

Assurant, Inc. presents a compelling yet complex valuation picture. Recent pricing indicated it traded above its DCF value, suggesting potential overvaluation, yet it remains below the Graham Number, hinting at underlying value. The Forward P/E of 9.99 and an earnings yield of 8.40% suggest a market expectation of growth, but the alarmingly low Altman Z-score of 0.13 raises red flags about financial distress risk. Despite these concerns, the company’s robust earnings power, as evidenced by its EPS and forward estimates, cannot be ignored. This stock is a paradox of value and caution, demanding a nuanced approach.

AI Exposure / Tech Reliance

In the realm of insurance, Assurant, Inc. stands poised to leverage AI and tech advancements to enhance underwriting precision and customer service efficiency. As a specialty insurer, its ability to integrate predictive analytics could streamline operations and reduce costs. However, the industry's traditional nature may slow rapid tech adoption.

The Bull Case

For the discerning GARP investor, Assurant shines with its impressive ROIC of 15.34% and a solid FCF yield of 12.17%. The Piotroski F-Score of 7 signals strong financial health, while an operating margin of 9.42% underscores its pricing power. These metrics paint a picture of a company that efficiently converts capital into profits, offering a compelling case for those seeking growth at a reasonable price.

The Bear Case

Despite its strengths, Assurant faces significant structural risks. The Price/Book ratio of 2.03 and Price/Sales of 0.91 suggest a premium valuation, potentially limiting upside. Its proximity to the 52-week high, just 2.77% away, indicates technical overextension. Additionally, the low current and quick ratios highlight liquidity concerns, making it vulnerable in volatile markets.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$273.75

Institutional Ownership %

1-Year Beta

0.56

Insider Buying % (6 Mo)

Distance to 52-Week High

4.85%

Distance to 52-Week Low

26.32%

EARNINGS SURPRISE %

12.48%

50-DAY SMA

$231.52

200-DAY SMA

$225.41

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.