ASSURANT INC (AIZ) Stock Fundamental Analysis
USA - NYSE:AIZ - US04621X1081 - Common Stock
228.46 USD
+2.41 (+1.07%)
We assign a fundamental rating of 4 out of 10 to AIZ. AIZ was compared to 147 industry peers in the Insurance industry. There are concerns on the financial health of AIZ while its profitability can be described as average. AIZ is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year AIZ was profitable.
AIZ had a positive operating cash flow in the past year.
In the past 5 years AIZ has always been profitable.
Each year in the past 5 years AIZ had a positive operating cash flow.
1.2 Ratios
AIZ has a Return On Assets (2.37%) which is comparable to the rest of the industry.
AIZ's Return On Equity of 14.74% is fine compared to the rest of the industry. AIZ outperforms 69.39% of its industry peers.
With a decent Return On Invested Capital value of 3.22%, AIZ is doing good in the industry, outperforming 61.22% of the companies in the same industry.
AIZ had an Average Return On Invested Capital over the past 3 years of 2.34%. This is below the industry average of 4.39%.
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
AIZ has a Profit Margin of 6.75%. This is comparable to the rest of the industry: AIZ outperforms 42.18% of its industry peers.
In the last couple of years the Profit Margin of AIZ has grown nicely.
AIZ has a worse Operating Margin (9.31%) than 63.27% of its industry peers.
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.
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 has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of AIZ is 2.16, which is a good value as it means it would take AIZ, 2.16 years of fcf income to pay off all of its debts.
AIZ has a Debt to FCF ratio (2.16) 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.
AIZ has a Debt to Equity ratio (0.38) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.16 | ||
| Altman-Z | N/A |
ROIC/WACC0.4
WACC8.04%
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.
The Revenue has been growing slightly by 6.95% in the past 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
The Earnings Per Share is expected to grow by 10.31% on average over the next years. This is quite good.
Based on estimates for the next years, AIZ will show a small growth in Revenue. The Revenue will grow by 5.33% on average per year.
EPS Next Y8.11%
EPS Next 2Y10.89%
EPS Next 3Y10.31%
EPS Next 5YN/A
Revenue Next Year6.68%
Revenue Next 2Y5.74%
Revenue Next 3Y5.33%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.02, 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 (25.07), we can say AIZ is valued rather cheaply.
A Price/Forward Earnings ratio of 11.16 indicates a reasonable valuation of AIZ.
The rest of the industry has a similar Price/Forward Earnings ratio as AIZ.
AIZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.08.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.02 | ||
| Fwd PE | 11.16 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AIZ is on the same level as its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.29 | ||
| EV/EBITDA | 8.42 |
4.3 Compensation for Growth
AIZ's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.48
PEG (5Y)0.83
EPS Next 2Y10.89%
EPS Next 3Y10.31%
5. Dividend
5.1 Amount
AIZ has a Yearly Dividend Yield of 1.41%.
Compared to an average industry Dividend Yield of 3.51, AIZ has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, AIZ's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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
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 2Y10.89%
EPS Next 3Y10.31%
NYSE:AIZ (11/21/2025, 2:22:24 PM)
228.46
+2.41 (+1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners96.78%
Inst Owner Change2.02%
Ins Owners0.55%
Ins Owner Change-2.24%
Market Cap11.53B
Revenue(TTM)12.57B
Net Income(TTM)848.80M
Analysts80
Price Target250.92 (9.83%)
Short Float %1.3%
Short Ratio2.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
Yearly Dividend3.03
Dividend Growth(5Y)1.71%
DP19.47%
Div Incr Years10
Div Non Decr Years10
Ex-Date
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)2.07%
PT rev (3m)5.49%
EPS NQ rev (1m)2.24%
EPS NQ rev (3m)4.83%
EPS NY rev (1m)2.39%
EPS NY rev (3m)8.33%
Revenue NQ rev (1m)0.61%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.02 | ||
| Fwd PE | 11.16 | ||
| P/S | 0.92 | ||
| P/FCF | 11.29 | ||
| P/OCF | 9.11 | ||
| P/B | 2 | ||
| P/tB | 4.47 | ||
| EV/EBITDA | 8.42 |
EPS(TTM)19.01
EY8.32%
EPS(NY)20.48
Fwd EY8.96%
FCF(TTM)20.24
FCFY8.86%
OCF(TTM)25.08
OCFY10.98%
SpS249.16
BVpS114.12
TBVpS51.16
PEG (NY)1.48
PEG (5Y)0.83
Graham Number220.93
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
WACC8.04%
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 Y8.11%
EPS Next 2Y10.89%
EPS Next 3Y10.31%
EPS Next 5YN/A
Revenue 1Y (TTM)6.95%
Revenue growth 3Y5.25%
Revenue growth 5Y4.52%
Sales Q2Q%8.89%
Revenue Next Year6.68%
Revenue Next 2Y5.74%
Revenue Next 3Y5.33%
Revenue Next 5YN/A
EBIT growth 1Y12.3%
EBIT growth 3Y5.43%
EBIT growth 5Y8.24%
EBIT Next Year20.03%
EBIT Next 3Y13.01%
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 4 / 10 to AIZ.
What is the valuation status of ASSURANT INC (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 valuation of ASSURANT INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ASSURANT INC (AIZ) is 12.02 and the Price/Book (PB) ratio is 2.
Can you provide the dividend sustainability for AIZ stock?
The dividend rating of ASSURANT INC (AIZ) is 6 / 10 and the dividend payout ratio is 19.47%.