(AIZ) Assurant - Overview
Stock: Mobile, Electronics, Vehicle, Housing, Renters
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.54% |
| Yield on Cost 5y | 2.00% |
| Yield CAGR 5y | 5.38% |
| Payout Consistency | 100.0% |
| Payout Ratio | 17.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 19.7% |
| Relative Tail Risk | -3.28% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.49 |
| Alpha | 2.90 |
| Character TTM | |
|---|---|
| Beta | 0.656 |
| Beta Downside | 0.642 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.02% |
| CAGR/Max DD | 1.17 |
Description: AIZ Assurant January 06, 2026
Assurant Inc. (AIZ) delivers protection-related services across three core lines-mobile-device and consumer-electronics warranties, vehicle and equipment coverage, and a suite of homeowner-related insurance products-through its Global Lifestyle and Global Housing segments. The company operates in North America, Latin America, Europe and the Asia-Pacific, and traces its roots back to 1892 (formerly Fortis, Inc.).
In FY 2023 the firm reported roughly $13.5 billion in total revenue, with the Global Lifestyle segment contributing about 55 % and the Global Housing segment 45 %. The combined ratio for the property-and-casualty book was 93 % (below the industry average of ~95 %), indicating underwriting profitability, while investment income fell 12 % year-over-year due to a flattening yield curve. These figures suggest a modest earnings buffer but also expose the business to interest-rate volatility.
Key economic drivers for Assurant include continued growth in consumer-electronics penetration (global shipments rose ~4 % YoY in 2023), which fuels demand for extended warranties, and the cyclical nature of the housing market, where mortgage-rate shifts directly affect lender-placed insurance volumes. Additionally, regulatory trends in flood-insurance underwriting and the rollout of “smart-home” risk-mitigation technologies could reshape the Global Housing segment’s loss experience.
For a data-rich, quantitative deep-dive on AIZ’s valuation metrics, the ValueRay platform offers a concise analyst toolkit worth exploring.
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income: 848.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -1.50 > 1.0 |
| NWC/Revenue: 59.87% < 20% (prev 60.44%; Δ -0.57% < -1%) |
| CFO/TA 0.04 > 3% & CFO 1.27b > Net Income 848.8m |
| Net Debt (2.21b) to EBITDA (1.40b): 1.57 < 3 |
| Current Ratio: 2.90 > 1.5 & < 3 |
| Outstanding Shares: last quarter (51.3m) vs 12m ago -2.18% < -2% |
| Gross Margin: 77.08% > 18% (prev 0.77%; Δ 7630 % > 0.5%) |
| Asset Turnover: 35.35% > 50% (prev 33.27%; Δ 2.08% > 0%) |
| Interest Coverage Ratio: 10.74 > 6 (EBITDA TTM 1.40b / Interest Expense TTM 108.2m) |
Altman Z'' 2.40
| A: 0.21 (Total Current Assets 11.49b - Total Current Liabilities 3.97b) / Total Assets 35.78b |
| B: 0.13 (Retained Earnings 4.73b / Total Assets 35.78b) |
| C: 0.03 (EBIT TTM 1.16b / Avg Total Assets 35.56b) |
| D: 0.35 (Book Value of Equity 10.48b / Total Liabilities 30.02b) |
| Altman-Z'' Score: 2.40 = BBB |
Beneish M -3.66
| DSRI: 0.19 (Receivables 1.92b/9.41b, Revenue 12.57b/11.76b) |
| GMI: 1.00 (GM 77.08% / 77.07%) |
| AQI: 0.99 (AQ_t 0.66 / AQ_t-1 0.66) |
| SGI: 1.07 (Revenue 12.57b / 11.76b) |
| TATA: -0.01 (NI 848.8m - CFO 1.27b) / TA 35.78b) |
| Beneish M-Score: -3.66 (Cap -4..+1) = AAA |
What is the price of AIZ shares?
Over the past week, the price has changed by +2.18%, over one month by +3.26%, over three months by +12.66% and over the past year by +14.59%.
Is AIZ a buy, sell or hold?
- StrongBuy: 3
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the AIZ price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 259.3 | 6.6% |
| Analysts Target Price | 259.3 | 6.6% |
| ValueRay Target Price | 285.7 | 17.4% |
AIZ Fundamental Data Overview January 31, 2026
P/E Forward = 11.2108
P/S = 0.956
P/B = 2.0746
P/EG = 1.46
Revenue TTM = 12.57b USD
EBIT TTM = 1.16b USD
EBITDA TTM = 1.40b USD
Long Term Debt = 2.21b USD (from longTermDebt, last quarter)
Short Term Debt = 17.7m USD (from shortTermDebt, last fiscal year)
Debt = 2.21b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.21b USD (from netDebt column, last quarter)
Enterprise Value = 12.51b USD (12.02b + Debt 2.21b - CCE 1.71b)
Interest Coverage Ratio = 10.74 (Ebit TTM 1.16b / Interest Expense TTM 108.2m)
EV/FCF = 12.25x (Enterprise Value 12.51b / FCF TTM 1.02b)
FCF Yield = 8.17% (FCF TTM 1.02b / Enterprise Value 12.51b)
FCF Margin = 8.13% (FCF TTM 1.02b / Revenue TTM 12.57b)
Net Margin = 6.75% (Net Income TTM 848.8m / Revenue TTM 12.57b)
Gross Margin = 77.08% ((Revenue TTM 12.57b - Cost of Revenue TTM 2.88b) / Revenue TTM)
Gross Margin QoQ = 78.04% (prev 77.16%)
Tobins Q-Ratio = 0.35 (Enterprise Value 12.51b / Total Assets 35.78b)
Interest Expense / Debt = 1.26% (Interest Expense 27.9m / Debt 2.21b)
Taxrate = 19.81% (65.6m / 331.2m)
NOPAT = 931.9m (EBIT 1.16b * (1 - 19.81%))
Current Ratio = 2.90 (Total Current Assets 11.49b / Total Current Liabilities 3.97b)
Debt / Equity = 0.38 (Debt 2.21b / totalStockholderEquity, last quarter 5.76b)
Debt / EBITDA = 1.57 (Net Debt 2.21b / EBITDA 1.40b)
Debt / FCF = 2.16 (Net Debt 2.21b / FCF TTM 1.02b)
Total Stockholder Equity = 5.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.39% (Net Income 848.8m / Total Assets 35.78b)
RoE = 15.72% (Net Income TTM 848.8m / Total Stockholder Equity 5.40b)
RoCE = 15.28% (EBIT 1.16b / Capital Employed (Equity 5.40b + L.T.Debt 2.21b))
RoIC = 12.40% (NOPAT 931.9m / Invested Capital 7.51b)
WACC = 7.20% (E(12.02b)/V(14.22b) * Re(8.33%) + D(2.21b)/V(14.22b) * Rd(1.26%) * (1-Tc(0.20)))
Discount Rate = 8.33% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.00%
[DCF Debug] Terminal Value 83.65% ; FCFF base≈1.23b ; Y1≈1.48b ; Y5≈2.39b
Fair Price DCF = 922.1 (EV 48.39b - Net Debt 2.21b = Equity 46.18b / Shares 50.1m; r=7.20% [WACC]; 5y FCF grow 21.95% → 2.90% )
EPS Correlation: 34.17 | EPS CAGR: 21.77% | SUE: 1.96 | # QB: 4
Revenue Correlation: 97.26 | Revenue CAGR: 6.24% | SUE: 1.33 | # QB: 1
EPS next Quarter (2026-03-31): EPS=5.45 | Chg30d=+0.185 | Revisions Net=+1 | Analysts=6
EPS next Year (2026-12-31): EPS=20.84 | Chg30d=-0.008 | Revisions Net=+2 | Growth EPS=+5.8% | Growth Revenue=+5.2%