ASSURANT INC (AIZ) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AIZ - US04621X1081 - Common Stock
234 USD
-3.45 (-1.45%)
234 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to AIZ. AIZ was compared to 149 industry peers in the Insurance industry. There are concerns on the financial health of AIZ while its profitability can be described as average. AIZ has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year AIZ was profitable.
- In the past year AIZ had a positive cash flow from operations.
- AIZ had positive earnings in each of the past 5 years.
- AIZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- AIZ's Return On Assets of 2.37% is in line compared to the rest of the industry. AIZ outperforms 57.72% of its industry peers.
- The Return On Equity of AIZ (14.74%) is better than 69.80% of its industry peers.
- AIZ has a Return On Invested Capital of 3.22%. This is comparable to the rest of the industry: AIZ outperforms 59.73% of its industry peers.
- AIZ had an Average Return On Invested Capital over the past 3 years of 2.34%. This is significantly below the industry average of 14.92%.
- The last Return On Invested Capital (3.22%) for AIZ is above the 3 year average (2.34%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.37% | ||
| ROE | 14.74% | ||
| ROIC | 3.22% |
ROA(3y)1.64%
ROA(5y)1.97%
ROE(3y)11.6%
ROE(5y)13.34%
ROIC(3y)2.34%
ROIC(5y)2.2%
1.3 Margins
- With a Profit Margin value of 6.75%, AIZ perfoms like the industry average, outperforming 41.61% of the companies in the same industry.
- AIZ's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 9.31%, AIZ is doing worse than 64.43% of the companies in the same industry.
- In the last couple of years the Operating Margin of AIZ has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.31% | ||
| PM (TTM) | 6.75% | ||
| GM | N/A |
OM growth 3Y0.17%
OM growth 5Y3.56%
PM growth 3Y-21.67%
PM growth 5Y10.86%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- AIZ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, AIZ has less shares outstanding
- AIZ has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, AIZ has an improved debt to assets ratio.
2.2 Solvency
- AIZ has a debt to FCF ratio of 2.16. This is a good value and a sign of high solvency as AIZ would need 2.16 years to pay back of all of its debts.
- AIZ's Debt to FCF ratio of 2.16 is in line compared to the rest of the industry. AIZ outperforms 52.35% of its industry peers.
- A Debt/Equity ratio of 0.38 indicates that AIZ is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.38, AIZ is in line with its industry, outperforming 42.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.16 | ||
| Altman-Z | N/A |
ROIC/WACC0.4
WACC8.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 15.63% over the past year.
- AIZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.42% yearly.
- Looking at the last year, AIZ shows a small growth in Revenue. The Revenue has grown by 6.95% in the last year.
- The Revenue has been growing slightly by 4.52% on average over the past years.
EPS 1Y (TTM)15.63%
EPS 3Y18.92%
EPS 5Y14.42%
EPS Q2Q%91%
Revenue 1Y (TTM)6.95%
Revenue growth 3Y5.25%
Revenue growth 5Y4.52%
Sales Q2Q%8.89%
3.2 Future
- Based on estimates for the next years, AIZ will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.88% on average per year.
- Based on estimates for the next years, AIZ will show a small growth in Revenue. The Revenue will grow by 5.95% on average per year.
EPS Next Y18.24%
EPS Next 2Y12.42%
EPS Next 3Y10.88%
EPS Next 5YN/A
Revenue Next Year7.46%
Revenue Next 2Y6.58%
Revenue Next 3Y5.95%
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.31, AIZ is valued correctly.
- AIZ's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of AIZ to the average of the S&P500 Index (27.38), we can say AIZ is valued rather cheaply.
- A Price/Forward Earnings ratio of 11.12 indicates a reasonable valuation of AIZ.
- AIZ's Price/Forward Earnings ratio is in line with the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. AIZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 11.12 |
4.2 Price Multiples
- AIZ's Enterprise Value to EBITDA is on the same level as the industry average.
- AIZ's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.47 | ||
| EV/EBITDA | 8.64 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.67
PEG (5Y)0.85
EPS Next 2Y12.42%
EPS Next 3Y10.88%
5. Dividend
5.1 Amount
- AIZ has a Yearly Dividend Yield of 1.48%.
- Compared to an average industry Dividend Yield of 2.53, AIZ has a dividend in line with its industry peers.
- AIZ's Dividend Yield is comparable with the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
5.2 History
- The dividend of AIZ has a limited annual growth rate of 1.71%.
- AIZ has paid a dividend for at least 10 years, which is a reliable track record.
- AIZ has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.71%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
- 19.47% of the earnings are spent on dividend by AIZ. This is a low number and sustainable payout ratio.
- The dividend of AIZ is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.47%
EPS Next 2Y12.42%
EPS Next 3Y10.88%
234
-3.45 (-1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-10 2026-02-10/amc
Inst Owners96.54%
Inst Owner Change-0.15%
Ins Owners0.57%
Ins Owner Change-1.22%
Market Cap11.72B
Revenue(TTM)12.57B
Net Income(TTM)848.80M
Analysts80
Price Target262.99 (12.39%)
Short Float %1.34%
Short Ratio2.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
Yearly Dividend3.03
Dividend Growth(5Y)1.71%
DP19.47%
Div Incr Years10
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.41%
Min EPS beat(2)12.14%
Max EPS beat(2)32.69%
EPS beat(4)4
Avg EPS beat(4)20.4%
Min EPS beat(4)12.14%
Max EPS beat(4)32.69%
EPS beat(8)8
Avg EPS beat(8)19.38%
EPS beat(12)12
Avg EPS beat(12)25.43%
EPS beat(16)14
Avg EPS beat(16)19.87%
Revenue beat(2)2
Avg Revenue beat(2)0.26%
Min Revenue beat(2)0.14%
Max Revenue beat(2)0.39%
Revenue beat(4)3
Avg Revenue beat(4)0.09%
Min Revenue beat(4)-1.09%
Max Revenue beat(4)0.94%
Revenue beat(8)6
Avg Revenue beat(8)0.81%
Revenue beat(12)10
Avg Revenue beat(12)1%
Revenue beat(16)10
Avg Revenue beat(16)-0.23%
PT rev (1m)1.64%
PT rev (3m)6.98%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)4.57%
EPS NY rev (1m)0%
EPS NY rev (3m)11.98%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)1.15%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 11.12 | ||
| P/S | 0.93 | ||
| P/FCF | 11.47 | ||
| P/OCF | 9.26 | ||
| P/B | 2.04 | ||
| P/tB | 4.54 | ||
| EV/EBITDA | 8.64 |
EPS(TTM)19.01
EY8.12%
EPS(NY)21.04
Fwd EY8.99%
FCF(TTM)20.4
FCFY8.72%
OCF(TTM)25.27
OCFY10.8%
SpS251.05
BVpS114.99
TBVpS51.54
PEG (NY)0.67
PEG (5Y)0.85
Graham Number221.77
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.37% | ||
| ROE | 14.74% | ||
| ROCE | 3.99% | ||
| ROIC | 3.22% | ||
| ROICexc | 3.42% | ||
| ROICexgc | 5.83% | ||
| OM | 9.31% | ||
| PM (TTM) | 6.75% | ||
| GM | N/A | ||
| FCFM | 8.12% |
ROA(3y)1.64%
ROA(5y)1.97%
ROE(3y)11.6%
ROE(5y)13.34%
ROIC(3y)2.34%
ROIC(5y)2.2%
ROICexc(3y)2.49%
ROICexc(5y)2.35%
ROICexgc(3y)4.34%
ROICexgc(5y)4.11%
ROCE(3y)2.9%
ROCE(5y)2.73%
ROICexgc growth 3Y6.82%
ROICexgc growth 5Y13.88%
ROICexc growth 3Y4.87%
ROICexc growth 5Y15.01%
OM growth 3Y0.17%
OM growth 5Y3.56%
PM growth 3Y-21.67%
PM growth 5Y10.86%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.16 | ||
| Debt/EBITDA | 1.56 | ||
| Cap/Depr | 100.95% | ||
| Cap/Sales | 1.94% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 89.58% | ||
| Profit Quality | 120.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.15%
ROIC/WACC0.4
Cap/Depr(3y)101.5%
Cap/Depr(5y)99.54%
Cap/Sales(3y)1.84%
Cap/Sales(5y)1.72%
Profit Quality(3y)146.68%
Profit Quality(5y)154.63%
High Growth Momentum
Growth
EPS 1Y (TTM)15.63%
EPS 3Y18.92%
EPS 5Y14.42%
EPS Q2Q%91%
EPS Next Y18.24%
EPS Next 2Y12.42%
EPS Next 3Y10.88%
EPS Next 5YN/A
Revenue 1Y (TTM)6.95%
Revenue growth 3Y5.25%
Revenue growth 5Y4.52%
Sales Q2Q%8.89%
Revenue Next Year7.46%
Revenue Next 2Y6.58%
Revenue Next 3Y5.95%
Revenue Next 5YN/A
EBIT growth 1Y12.3%
EBIT growth 3Y5.43%
EBIT growth 5Y8.24%
EBIT Next Year28.57%
EBIT Next 3Y13.51%
EBIT Next 5YN/A
FCF growth 1Y19.89%
FCF growth 3Y23.2%
FCF growth 5Y-3.13%
OCF growth 1Y20.25%
OCF growth 3Y19.46%
OCF growth 5Y-1.17%
ASSURANT INC / AIZ FAQ
What is the fundamental rating for AIZ stock?
ChartMill assigns a fundamental rating of 5 / 10 to AIZ.
What is the valuation status for AIZ stock?
ChartMill assigns a valuation rating of 5 / 10 to ASSURANT INC (AIZ). This can be considered as Fairly Valued.
Can you provide the profitability details for ASSURANT INC?
ASSURANT INC (AIZ) has a profitability rating of 5 / 10.
What is the expected EPS growth for ASSURANT INC (AIZ) stock?
The Earnings per Share (EPS) of ASSURANT INC (AIZ) is expected to grow by 18.24% in the next year.
How sustainable is the dividend of ASSURANT INC (AIZ) stock?
The dividend rating of ASSURANT INC (AIZ) is 6 / 10 and the dividend payout ratio is 19.47%.