ASSURANT INC (AIZ) Stock Fundamental Analysis

NYSE:AIZ • US04621X1081

229.33 USD
-0.11 (-0.05%)
Last: Feb 27, 2026, 03:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall AIZ gets a fundamental rating of 4 out of 10. We evaluated AIZ against 150 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

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.
  • Each year in the past 5 years AIZ has been profitable.
  • 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 2025 500M 1B

1.2 Ratios

  • AIZ has a Return On Assets (2.37%) which is in line with 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 70.67% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 3.23%, AIZ is in line with its industry, outperforming 59.33% of the companies in the same industry.
Industry RankSector Rank
ROA 2.37%
ROE 14.74%
ROIC 3.23%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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

  • AIZ has a Profit Margin (6.75%) which is in line with its industry peers.
  • 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: 63.33% of the companies in the same industry are doing better.
  • AIZ's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 9.31%
PM (TTM) 6.75%
GM N/A
OM growth 3Y26.51%
OM growth 5Y5.62%
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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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

  • 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.
  • Looking at the Debt to FCF ratio, with a value of 2.16, AIZ is in line with its industry, outperforming 52.67% 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's Debt to Equity ratio of 0.38 is in line compared to the rest of the industry. AIZ outperforms 43.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.16
Altman-Z N/A
ROIC/WACC0.41
WACC7.98%
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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4

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.
  • Measured over the past years, AIZ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.13% on average per year.
  • 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

  • The Earnings Per Share is expected to grow by 6.28% on average over the next years.
  • The Revenue is expected to grow by 5.55% on average over the next years.
EPS Next Y6.04%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.72%
Revenue Next 2Y6.15%
Revenue Next 3Y5.55%
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 5 10 15 20

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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.56, which indicates a very decent valuation of AIZ.
  • 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 27.11, AIZ is valued rather cheaply.
  • AIZ is valuated reasonably with a Price/Forward Earnings ratio of 10.91.
  • AIZ's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 28.13. AIZ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.56
Fwd PE 10.91
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 62.00% of the companies in the same industry.
  • AIZ's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.24
EV/EBITDA 8.48
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)1.92
PEG (5Y)0.64
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 1.58%, AIZ has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.63, AIZ has a dividend in line with its industry peers.
  • 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 1.58%

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
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

  • 19.47% of the earnings are spent on dividend by AIZ. This is a low number and sustainable payout ratio.
  • AIZ's earnings are growing more than its dividend. This makes the dividend growth 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 2025 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 (2/27/2026, 3:17:07 PM)

229.33

-0.11 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-04
Inst Owners96.54%
Inst Owner Change-1.88%
Ins Owners0.57%
Ins Owner Change-0.95%
Market Cap11.48B
Revenue(TTM)12.82B
Net Income(TTM)848.80M
Analysts80
Price Target262.99 (14.68%)
Short Float %1.86%
Short Ratio2.42
Dividend
Industry RankSector Rank
Dividend Yield 1.58%
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%
PT rev (3m)3.13%
EPS NQ rev (1m)4.16%
EPS NQ rev (3m)3.99%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)2.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)1.16%
Revenue NY rev (3m)2.55%
Valuation
Industry RankSector Rank
PE 11.56
Fwd PE 10.91
P/S 0.91
P/FCF 11.24
P/OCF 9.07
P/B 1.99
P/tB 4.45
EV/EBITDA 8.48
EPS(TTM)19.83
EY8.65%
EPS(NY)21.03
Fwd EY9.17%
FCF(TTM)20.4
FCFY8.89%
OCF(TTM)25.27
OCFY11.02%
SpS251.05
BVpS114.99
TBVpS51.54
PEG (NY)1.92
PEG (5Y)0.64
Graham Number226.5
Profitability
Industry RankSector Rank
ROA 2.37%
ROE 14.74%
ROCE 3.99%
ROIC 3.23%
ROICexc 3.44%
ROICexgc 5.85%
OM 9.31%
PM (TTM) 6.75%
GM N/A
FCFM 8.12%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y26.51%
OM growth 5Y5.62%
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 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
WACC7.98%
ROIC/WACC0.41
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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)7.92%
Revenue growth 3Y7.91%
Revenue growth 5Y5.95%
Sales Q2Q%7.91%
Revenue Next Year6.72%
Revenue Next 2Y6.15%
Revenue Next 3Y5.55%
Revenue Next 5YN/A
EBIT growth 1Y12.3%
EBIT growth 3Y36.52%
EBIT growth 5Y11.9%
EBIT Next Year16.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-20.52%
OCF growth 3YN/A
OCF growth 5YN/A

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 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%.