ASSURANT INC (AIZ) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AIZ - US04621X1081 - Common Stock
238.23 USD
+5.48 (+2.35%)
238.23 USD
0 (0%)
AIZ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. While AIZ is still in line with the averages on profitability rating, there are concerns on its financial health. AIZ has a decent growth rate and is not valued too expensively.
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 each of the past 5 years.
- In the past 5 years AIZ always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 2.37%, AIZ perfoms like the industry average, outperforming 57.72% of the companies in the same industry.
- With a decent Return On Equity value of 14.74%, AIZ is doing good in the industry, outperforming 69.80% of the companies in the same industry.
- AIZ has a Return On Invested Capital (3.22%) which is in line with its industry peers.
- The Average Return On Invested Capital over the past 3 years for AIZ 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
- Looking at the Profit Margin, with a value of 6.75%, AIZ is in line with its industry, outperforming 41.61% of the companies in the same industry.
- AIZ's Profit Margin has improved in the last couple of years.
- With a Operating Margin value of 9.31%, AIZ is not doing good in the industry: 64.43% of the companies in the same industry are doing better.
- 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AIZ is destroying value.
- The number of shares outstanding for AIZ has been reduced compared to 1 year ago.
- Compared to 5 years ago, AIZ has less shares outstanding
- AIZ has a better debt/assets ratio than last year.
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 has a Debt to FCF ratio (2.16) which is comparable to the rest of the industry.
- AIZ has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
- AIZ's Debt to Equity ratio of 0.38 is in line compared to the rest of the industry. AIZ outperforms 42.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.16 | ||
| Altman-Z | N/A |
ROIC/WACC0.39
WACC8.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- AIZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.63%, which is quite good.
- Measured over the past years, AIZ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.42% on average per year.
- Looking at the last year, AIZ shows a small growth in Revenue. The Revenue has grown by 6.95% in the last year.
- AIZ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.52% yearly.
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.
- The Revenue is expected to grow by 5.95% on average over the next years.
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 12.53, AIZ is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as AIZ.
- When comparing the Price/Earnings ratio of AIZ to the average of the S&P500 Index (27.32), we can say AIZ is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.32, which indicates a very decent valuation of AIZ.
- AIZ's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of AIZ to the average of the S&P500 Index (24.30), we can say AIZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.53 | ||
| Fwd PE | 11.32 |
4.2 Price Multiples
- AIZ's Enterprise Value to EBITDA ratio is in line with the industry average.
- AIZ's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.68 | ||
| EV/EBITDA | 8.79 |
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)0.69
PEG (5Y)0.87
EPS Next 2Y12.42%
EPS Next 3Y10.88%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.48%, AIZ has a reasonable but not impressive dividend return.
- 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 slightly below the S&P500 average, which is at 1.86.
| 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 been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
- AIZ pays out 19.47% of its income as dividend. This is a sustainable payout ratio.
- AIZ's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.47%
EPS Next 2Y12.42%
EPS Next 3Y10.88%
238.23
+5.48 (+2.35%)
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 Cap11.93B
Revenue(TTM)12.57B
Net Income(TTM)848.80M
Analysts80
Price Target262.99 (10.39%)
Short Float %1.33%
Short Ratio2.09
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 | 12.53 | ||
| Fwd PE | 11.32 | ||
| P/S | 0.95 | ||
| P/FCF | 11.68 | ||
| P/OCF | 9.43 | ||
| P/B | 2.07 | ||
| P/tB | 4.62 | ||
| EV/EBITDA | 8.79 |
EPS(TTM)19.01
EY7.98%
EPS(NY)21.04
Fwd EY8.83%
FCF(TTM)20.4
FCFY8.56%
OCF(TTM)25.27
OCFY10.61%
SpS251.05
BVpS114.99
TBVpS51.54
PEG (NY)0.69
PEG (5Y)0.87
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
WACC8.21%
ROIC/WACC0.39
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%.