ASSURANT INC (AIZ) Stock Fundamental Analysis
USA - NYSE:AIZ - US04621X1081 - Common Stock
230.255 USD
+3.2 (+1.41%)
We assign a fundamental rating of 4 out of 10 to AIZ. AIZ was compared to 146 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.
1. Profitability
1.1 Basic Checks
AIZ had positive earnings in the past year.
AIZ had a positive operating cash flow in the past year.
AIZ had positive earnings in each of the past 5 years.
AIZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.37%, AIZ is in line with its industry, outperforming 56.16% of the companies in the same industry.
AIZ has a better Return On Equity (14.74%) than 69.18% of its industry peers.
The Return On Invested Capital of AIZ (3.22%) is better than 60.27% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AIZ is below the industry average of 4.51%.
The 3 year average ROIC (2.34%) for AIZ is below the current ROIC(3.22%), indicating increased profibility in the last year.
| 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 (6.75%) which is comparable to the rest of the industry.
AIZ's Profit Margin has improved in the last couple of years.
AIZ has a Operating Margin of 9.31%. This is in the lower half of the industry: AIZ underperforms 63.01% 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
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
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.
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 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%
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.
The Earnings Per Share has been growing by 14.42% 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 6.95%.
Measured over the past years, AIZ shows a small growth in Revenue. The Revenue has been growing by 4.52% on average per year.
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 10.31% on average per year.
The Revenue is expected to grow by 5.33% on average over the next years.
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
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.11, AIZ is valued correctly.
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 25.91, AIZ is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.25, the valuation of AIZ can be described as reasonable.
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 (34.57), we can say AIZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.11 | ||
| Fwd PE | 11.25 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as AIZ.
AIZ's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.37 | ||
| EV/EBITDA | 8.46 |
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)1.49
PEG (5Y)0.84
EPS Next 2Y10.89%
EPS Next 3Y10.31%
5. Dividend
5.1 Amount
AIZ has a Yearly Dividend Yield of 1.41%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.46, AIZ has a dividend in line with its industry peers.
With a Dividend Yield of 1.41, AIZ pays less dividend than the S&P500 average, which is at 2.36.
| 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 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)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 (11/14/2025, 1:13:00 PM)
230.255
+3.2 (+1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners96.78%
Inst Owner Change2.3%
Ins Owners0.55%
Ins Owner Change-0.85%
Market Cap11.62B
Revenue(TTM)12.57B
Net Income(TTM)848.80M
Analysts80
Price Target250.92 (8.97%)
Short Float %1.57%
Short Ratio2.29
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)9.23%
EPS NQ rev (3m)12.27%
EPS NY rev (1m)2.39%
EPS NY rev (3m)8.33%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)0.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.11 | ||
| Fwd PE | 11.25 | ||
| P/S | 0.92 | ||
| P/FCF | 11.37 | ||
| P/OCF | 9.18 | ||
| P/B | 2.02 | ||
| P/tB | 4.5 | ||
| EV/EBITDA | 8.46 |
EPS(TTM)19.01
EY8.26%
EPS(NY)20.48
Fwd EY8.89%
FCF(TTM)20.24
FCFY8.79%
OCF(TTM)25.08
OCFY10.89%
SpS249.16
BVpS114.12
TBVpS51.16
PEG (NY)1.49
PEG (5Y)0.84
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%
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 12.11 and the Price/Book (PB) ratio is 2.02.
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%.