ASSURANT INC (AIZ) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:AIZ • US04621X1081

216.01 USD
-20.45 (-8.65%)
At close: Feb 11, 2026
217.671 USD
+1.66 (+0.77%)
After Hours: 2/11/2026, 8:06:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

AIZ gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • AIZ had positive earnings in the past year.
  • In the past year AIZ had a positive cash flow from operations.
  • AIZ had positive earnings in 4 of the past 5 years.
  • Of the past 5 years AIZ 4 years had a positive operating cash flow.
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 500M 1B

1.2 Ratios

  • AIZ has a Return On Assets of 2.37%. This is comparable to the rest of the industry: AIZ outperforms 58.39% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.74%, AIZ is in the better half of the industry, outperforming 70.47% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 3.22%, AIZ is in line with its industry, outperforming 59.73% 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 14.88%.
  • 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 RankSector 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%
AIZ Yearly ROA, ROE, ROICAIZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • The Profit Margin of AIZ (6.75%) is comparable to the rest of the industry.
  • AIZ's Profit Margin has improved in the last couple of years.
  • AIZ has a worse Operating Margin (9.31%) than 63.76% of its industry peers.
  • In the last couple of years the Operating Margin of AIZ has grown nicely.
Industry RankSector 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
AIZ Yearly Profit, Operating, Gross MarginsAIZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AIZ is destroying value.
  • There is no outstanding debt for AIZ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
AIZ Yearly Shares OutstandingAIZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 10B 20B 30B 40B

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.
  • Looking at the Debt to FCF ratio, with a value of 2.16, AIZ is in line with its industry, outperforming 52.35% of the companies in the same industry.
  • A Debt/Equity ratio of 0.38 indicates that AIZ is not too dependend on debt financing.
  • AIZ has a Debt to Equity ratio (0.38) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.16
Altman-Z N/A
ROIC/WACC0.4
WACC8.03%
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 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 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

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.
  • The Earnings Per Share has been growing by 18.13% on average over the past years. This is quite good.
EPS 1Y (TTM)19.1%
EPS 3Y21.93%
EPS 5Y18.13%
EPS Q2Q%17.12%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.57%

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 6.28% on average per year.
  • Based on estimates for the next years, AIZ will show a small growth in Revenue. The Revenue will grow by 5.02% on average per year.
EPS Next Y6.04%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.5%
Revenue Next 2Y5.02%
Revenue Next 3YN/A
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.
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 5B 10B
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 5 10 15 20

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.89, the valuation of AIZ can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of AIZ is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, AIZ is valued rather cheaply.
  • AIZ is valuated reasonably with a Price/Forward Earnings ratio of 10.27.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AIZ is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 28.01. AIZ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.89
Fwd PE 10.27
AIZ Price Earnings VS Forward Price EarningsAIZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, AIZ is valued a bit cheaper than the industry average as 64.43% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AIZ is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 10.59
EV/EBITDA 8.01
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 AIZ does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.8
PEG (5Y)0.6
EPS Next 2Y6.28%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.63%, AIZ has a reasonable but not impressive dividend return.
  • AIZ's Dividend Yield is comparable with the industry average which is at 2.18.
  • Compared to an average S&P500 Dividend Yield of 1.80, AIZ has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.63%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.71%
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 19.47% 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.
DP19.47%
EPS Next 2Y6.28%
EPS Next 3YN/A
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 200M 400M 600M 800M 1B
AIZ Dividend Payout.AIZ Dividend Payout, showing the Payout Ratio.AIZ Dividend Payout.PayoutRetained Earnings

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ASSURANT INC

NYSE:AIZ (2/11/2026, 8:06:01 PM)

After market: 217.671 +1.66 (+0.77%)

216.01

-20.45 (-8.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-04
Inst Owners96.54%
Inst Owner Change-1.48%
Ins Owners0.57%
Ins Owner Change-1.17%
Market Cap10.82B
Revenue(TTM)N/A
Net Income(TTM)848.80M
Analysts80
Price Target262.99 (21.75%)
Short Float %1.67%
Short Ratio2.62
Dividend
Industry RankSector Rank
Dividend Yield 1.63%
Yearly Dividend3.03
Dividend Growth(5Y)1.71%
DP19.47%
Div Incr Years10
Div Non Decr Years10
Ex-Date02-17
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)0.85%
PT rev (3m)4.81%
EPS NQ rev (1m)4.48%
EPS NQ rev (3m)6.85%
EPS NY rev (1m)1.45%
EPS NY rev (3m)10.95%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.72%
Valuation
Industry RankSector Rank
PE 10.89
Fwd PE 10.27
P/S 0.86
P/FCF 10.59
P/OCF 8.55
P/B 1.88
P/tB 4.19
EV/EBITDA 8.01
EPS(TTM)19.83
EY9.18%
EPS(NY)21.03
Fwd EY9.73%
FCF(TTM)20.4
FCFY9.44%
OCF(TTM)25.27
OCFY11.7%
SpS251.05
BVpS114.99
TBVpS51.54
PEG (NY)1.8
PEG (5Y)0.6
Graham Number226.5
Profitability
Industry RankSector 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 RankSector 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
WACC8.03%
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)19.1%
EPS 3Y21.93%
EPS 5Y18.13%
EPS Q2Q%17.12%
EPS Next Y6.04%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.57%
Revenue Next Year5.5%
Revenue Next 2Y5.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y12.3%
EBIT growth 3Y5.43%
EBIT growth 5Y8.24%
EBIT Next Year37.63%
EBIT Next 3Y14.18%
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 3 / 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 4 / 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 6.04% 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%.