ASSURANT INC (AIZ) Fundamental Analysis & Valuation

NYSE:AIZ • US04621X1081

227.18 USD
-4.77 (-2.06%)
At close: Mar 5, 2026
231.95 USD
+4.77 (+2.1%)
After Hours: 3/5/2026, 7:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

AIZ gets a fundamental rating of 4 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.


Dividend Valuation Growth Profitability Health

4

1. AIZ Profitability Analysis

1.1 Basic Checks

  • In the past year AIZ was profitable.
  • AIZ had a positive operating cash flow in the past year.
  • AIZ had positive earnings in each 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 2025 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 59.06% of its industry peers.
  • The Return On Equity of AIZ (14.74%) is better than 68.46% of its industry peers.
  • With a Return On Invested Capital value of 3.23%, AIZ perfoms like the industry average, outperforming 59.06% 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

  • With a Profit Margin value of 6.75%, AIZ perfoms like the industry average, outperforming 44.30% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AIZ has grown nicely.
  • AIZ's Operating Margin of 9.31% is on the low side compared to the rest of the industry. AIZ is outperformed by 60.40% of its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. AIZ Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AIZ is destroying value.
  • AIZ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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.
  • AIZ has a Debt to FCF ratio of 2.16. This is comparable to the rest of the industry: AIZ outperforms 51.01% of 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's Debt to Equity ratio of 0.38 is in line compared to the rest of the industry. AIZ outperforms 42.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.16
Altman-Z N/A
ROIC/WACC0.4
WACC8%
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

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.
  • The Earnings Per Share has been growing by 18.13% on average over the past years. This is quite good.
  • AIZ shows a small growth in Revenue. In the last year, the Revenue has grown by 7.92%.
  • AIZ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.95% yearly.
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 6.28% on average per year.
  • 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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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. AIZ Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.46, which indicates a very decent valuation of AIZ.
  • The rest of the industry has a similar Price/Earnings ratio as AIZ.
  • AIZ is valuated cheaply when we compare the Price/Earnings ratio to 26.74, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 10.80, the valuation of AIZ can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as AIZ.
  • The average S&P500 Price/Forward Earnings ratio is at 24.82. AIZ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.46
Fwd PE 10.8
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

  • AIZ's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. AIZ is cheaper than 61.07% 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 11.14
EV/EBITDA 8.57
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)0.63
EPS Next 2Y6.28%
EPS Next 3YN/A

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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 1.53%. Purely for dividend investing, there may be better candidates out there.
  • AIZ's Dividend Yield is comparable with the industry average which is at 2.50.
  • AIZ's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.53%

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

  • 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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AIZ Fundamentals: All Metrics, Ratios and Statistics

ASSURANT INC

NYSE:AIZ (3/5/2026, 7:00:00 PM)

After market: 231.95 +4.77 (+2.1%)

227.18

-4.77 (-2.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-04
Inst Owners96.54%
Inst Owner Change-1.86%
Ins Owners0.57%
Ins Owner Change-0.72%
Market Cap11.38B
Revenue(TTM)12.82B
Net Income(TTM)848.80M
Analysts80
Price Target266.22 (17.18%)
Short Float %1.55%
Short Ratio1.9
Dividend
Industry RankSector Rank
Dividend Yield 1.53%
Yearly Dividend3.35
Dividend Growth(5Y)2.65%
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)1.23%
PT rev (3m)4.4%
EPS NQ rev (1m)4.16%
EPS NQ rev (3m)5.05%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)2.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)1.16%
Revenue NY rev (3m)2.55%
Valuation
Industry RankSector Rank
PE 11.46
Fwd PE 10.8
P/S 0.9
P/FCF 11.14
P/OCF 8.99
P/B 1.98
P/tB 4.41
EV/EBITDA 8.57
EPS(TTM)19.83
EY8.73%
EPS(NY)21.03
Fwd EY9.26%
FCF(TTM)20.4
FCFY8.98%
OCF(TTM)25.27
OCFY11.12%
SpS251.05
BVpS114.99
TBVpS51.54
PEG (NY)1.9
PEG (5Y)0.63
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
WACC8%
ROIC/WACC0.4
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 Year14.49%
EBIT Next 3Y9.48%
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%.