ASSURANT INC (AIZ) Fundamental Analysis & Valuation

NYSE:AIZ • US04621X1081

Current stock price

217.52 USD
+0.09 (+0.04%)
At close:
217.52 USD
0 (0%)
After Hours:

This AIZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. AIZ Profitability Analysis

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.
AIZ Yearly Net Income VS EBIT VS OCF VS FCFAIZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • With a Return On Assets value of 2.40%, AIZ perfoms like the industry average, outperforming 53.38% of the companies in the same industry.
  • With a decent Return On Equity value of 14.86%, AIZ is doing good in the industry, outperforming 67.57% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 3.28%, AIZ is in line with its industry, outperforming 54.73% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for AIZ is significantly below the industry average of 9.34%.
  • The 3 year average ROIC (2.98%) for AIZ is below the current ROIC(3.28%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.4%
ROE 14.86%
ROIC 3.28%
ROA(3y)2.16%
ROA(5y)2.26%
ROE(3y)14.37%
ROE(5y)14.9%
ROIC(3y)2.98%
ROIC(5y)2.58%
AIZ Yearly ROA, ROE, ROICAIZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • The Profit Margin of AIZ (6.81%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of AIZ has grown nicely.
  • With a Operating Margin value of 9.40%, AIZ perfoms like the industry average, outperforming 40.54% of the companies in the same industry.
  • AIZ's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 9.4%
PM (TTM) 6.81%
GM N/A
OM growth 3Y26.75%
OM growth 5Y5.73%
PM growth 3Y35.85%
PM growth 5Y9.15%
GM growth 3YN/A
GM growth 5YN/A
AIZ Yearly Profit, Operating, Gross MarginsAIZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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3

2. AIZ Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AIZ is destroying value.
  • The number of shares outstanding for AIZ has been reduced compared to 1 year ago.
  • AIZ has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for AIZ is higher compared to a year ago.
AIZ Yearly Shares OutstandingAIZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
AIZ Yearly Total Debt VS Total AssetsAIZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • AIZ has a debt to FCF ratio of 1.38. This is a very positive value and a sign of high solvency as it would only need 1.38 years to pay back of all of its debts.
  • AIZ has a Debt to FCF ratio (1.38) which is in line with its industry peers.
  • AIZ has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of AIZ (0.38) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.38
Altman-Z N/A
ROIC/WACC0.4
WACC8.16%
AIZ Yearly LT Debt VS Equity VS FCFAIZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AIZ Yearly Current Assets VS Current LiabilitesAIZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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4

3. AIZ Growth Analysis

3.1 Past

  • AIZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.10%, which is quite good.
  • AIZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.13% yearly.
  • Looking at the last year, AIZ shows a small growth in Revenue. The Revenue has grown by 7.92% in the last year.
  • Measured over the past years, AIZ shows a small growth in Revenue. The Revenue has been growing by 5.95% on average per year.
EPS 1Y (TTM)19.1%
EPS 3Y21.93%
EPS 5Y18.13%
EPS Q2Q%17.12%
Revenue 1Y (TTM)7.92%
Revenue growth 3Y7.91%
Revenue growth 5Y5.95%
Sales Q2Q%7.91%

3.2 Future

  • Based on estimates for the next years, AIZ will show a small growth in Earnings Per Share. The EPS will grow by 6.97% on average per year.
  • The Revenue is expected to grow by 5.64% on average over the next years.
EPS Next Y5.78%
EPS Next 2Y6.47%
EPS Next 3Y6.97%
EPS Next 5YN/A
Revenue Next Year6.69%
Revenue Next 2Y6.09%
Revenue Next 3Y5.64%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
AIZ Yearly Revenue VS EstimatesAIZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
AIZ Yearly EPS VS EstimatesAIZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20

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4

4. AIZ Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.97, the valuation of AIZ can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of AIZ is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of AIZ to the average of the S&P500 Index (25.50), we can say AIZ is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.37, the valuation of AIZ can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as AIZ.
  • When comparing the Price/Forward Earnings ratio of AIZ to the average of the S&P500 Index (22.67), we can say AIZ is valued rather cheaply.
Industry RankSector Rank
PE 10.97
Fwd PE 10.37
AIZ Price Earnings VS Forward Price EarningsAIZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as AIZ.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as AIZ.
Industry RankSector Rank
P/FCF 6.76
EV/EBITDA 7.69
AIZ Per share dataAIZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200 250

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.9
PEG (5Y)0.61
EPS Next 2Y6.47%
EPS Next 3Y6.97%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. AIZ Dividend Analysis

5.1 Amount

  • AIZ has a Yearly Dividend Yield of 1.66%. Purely for dividend investing, there may be better candidates out there.
  • AIZ's Dividend Yield is comparable with the industry average which is at 2.84.
  • AIZ's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.66%

5.2 History

  • The dividend of AIZ has a limited annual growth rate of 2.65%.
  • AIZ has been paying a dividend for at least 10 years, so it has a reliable track record.
  • AIZ has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.65%
Div Incr Years10
Div Non Decr Years10
AIZ Yearly Dividends per shareAIZ Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • AIZ pays out 19.30% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of AIZ is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.3%
EPS Next 2Y6.47%
EPS Next 3Y6.97%
AIZ Yearly Income VS Free CF VS DividendAIZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
AIZ Dividend Payout.AIZ Dividend Payout, showing the Payout Ratio.AIZ Dividend Payout.PayoutRetained Earnings

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AIZ Fundamentals: All Metrics, Ratios and Statistics

ASSURANT INC

NYSE:AIZ (3/24/2026, 8:13:34 PM)

After market: 217.52 0 (0%)

217.52

+0.09 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-04
Inst Owners97.48%
Inst Owner Change-1.84%
Ins Owners0.56%
Ins Owner Change4.9%
Market Cap10.81B
Revenue(TTM)12.82B
Net Income(TTM)872.70M
Analysts80
Price Target266.22 (22.39%)
Short Float %1.69%
Short Ratio2.05
Dividend
Industry RankSector Rank
Dividend Yield 1.66%
Yearly Dividend3.35
Dividend Growth(5Y)2.65%
DP19.3%
Div Incr Years10
Div Non Decr Years10
Ex-Date02-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.81%
Min EPS beat(2)0.94%
Max EPS beat(2)32.69%
EPS beat(4)4
Avg EPS beat(4)16.94%
Min EPS beat(4)0.94%
Max EPS beat(4)32.69%
EPS beat(8)8
Avg EPS beat(8)16.76%
EPS beat(12)12
Avg EPS beat(12)24.01%
EPS beat(16)14
Avg EPS beat(16)19.54%
Revenue beat(2)2
Avg Revenue beat(2)0.47%
Min Revenue beat(2)0.39%
Max Revenue beat(2)0.55%
Revenue beat(4)3
Avg Revenue beat(4)0%
Min Revenue beat(4)-1.09%
Max Revenue beat(4)0.55%
Revenue beat(8)6
Avg Revenue beat(8)0.21%
Revenue beat(12)10
Avg Revenue beat(12)1.04%
Revenue beat(16)11
Avg Revenue beat(16)-0.13%
PT rev (1m)1.23%
PT rev (3m)2.89%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)2.89%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)1.25%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)1.03%
Valuation
Industry RankSector Rank
PE 10.97
Fwd PE 10.37
P/S 0.84
P/FCF 6.76
P/OCF 5.89
P/B 1.84
P/tB 4
EV/EBITDA 7.69
EPS(TTM)19.83
EY9.12%
EPS(NY)20.98
Fwd EY9.64%
FCF(TTM)32.16
FCFY14.79%
OCF(TTM)36.9
OCFY16.96%
SpS257.91
BVpS118.14
TBVpS54.39
PEG (NY)1.9
PEG (5Y)0.61
Graham Number229.59
Profitability
Industry RankSector Rank
ROA 2.4%
ROE 14.86%
ROCE 4.05%
ROIC 3.28%
ROICexc 3.5%
ROICexgc 5.7%
OM 9.4%
PM (TTM) 6.81%
GM N/A
FCFM 12.47%
ROA(3y)2.16%
ROA(5y)2.26%
ROE(3y)14.37%
ROE(5y)14.9%
ROIC(3y)2.98%
ROIC(5y)2.58%
ROICexc(3y)3.17%
ROICexc(5y)2.75%
ROICexgc(3y)5.39%
ROICexgc(5y)4.69%
ROCE(3y)3.68%
ROCE(5y)3.18%
ROICexgc growth 3Y29.83%
ROICexgc growth 5Y14.51%
ROICexc growth 3Y33.5%
ROICexc growth 5Y17.96%
OM growth 3Y26.75%
OM growth 5Y5.73%
PM growth 3Y35.85%
PM growth 5Y9.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.38
Debt/EBITDA 1.52
Cap/Depr 94.2%
Cap/Sales 1.84%
Interest Coverage 250
Cash Conversion 126.03%
Profit Quality 183.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.16%
ROIC/WACC0.4
Cap/Depr(3y)98.77%
Cap/Depr(5y)101.58%
Cap/Sales(3y)1.84%
Cap/Sales(5y)1.84%
Profit Quality(3y)158.32%
Profit Quality(5y)133.4%
High Growth Momentum
Growth
EPS 1Y (TTM)19.1%
EPS 3Y21.93%
EPS 5Y18.13%
EPS Q2Q%17.12%
EPS Next Y5.78%
EPS Next 2Y6.47%
EPS Next 3Y6.97%
EPS Next 5YN/A
Revenue 1Y (TTM)7.92%
Revenue growth 3Y7.91%
Revenue growth 5Y5.95%
Sales Q2Q%7.91%
Revenue Next Year6.69%
Revenue Next 2Y6.09%
Revenue Next 3Y5.64%
Revenue Next 5YN/A
EBIT growth 1Y13.75%
EBIT growth 3Y36.77%
EBIT growth 5Y12.03%
EBIT Next Year14.77%
EBIT Next 3Y9.48%
EBIT Next 5YN/A
FCF growth 1Y43.82%
FCF growth 3Y57.31%
FCF growth 5Y5.54%
OCF growth 1Y37.61%
OCF growth 3Y45.38%
OCF growth 5Y6.44%

ASSURANT INC / AIZ Fundamental Analysis FAQ

What is the fundamental rating for AIZ stock?

ChartMill assigns a fundamental rating of 4 / 10 to AIZ.


What is the valuation status for AIZ stock?

ChartMill assigns a valuation rating of 4 / 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 5.78% 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 19.3%.