ASSURANT INC (AIZ) Stock Fundamental Analysis
USA - NYSE:AIZ - US04621X1081 - Common Stock
210.16 USD
-2.85 (-1.34%)
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 is not valued too expensively and it also shows a decent growth rate. Finally AIZ also has an excellent dividend rating.
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.
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 2.02%, AIZ is in line with its industry, outperforming 52.05% of the companies in the same industry.
AIZ's Return On Equity of 13.04% is fine compared to the rest of the industry. AIZ outperforms 63.01% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.79%, AIZ is in line with its industry, outperforming 58.22% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AIZ is below the industry average of 4.47%.
The 3 year average ROIC (2.34%) for AIZ is below the current ROIC(2.79%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.02% | ||
| ROE | 13.04% | ||
| ROIC | 2.79% |
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 5.83%. This is in the lower half of the industry: AIZ underperforms 60.27% of its industry peers.
In the last couple of years the Profit Margin of AIZ has grown nicely.
With a Operating Margin value of 8.10%, AIZ is not doing good in the industry: 63.70% 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 | 8.1% | ||
| PM (TTM) | 5.83% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AIZ is destroying value.
Compared to 1 year ago, AIZ has less shares outstanding
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 2.15. This is a good value and a sign of high solvency as AIZ would need 2.15 years to pay back of all of its debts.
AIZ has a Debt to FCF ratio of 2.15. This is comparable to the rest of the industry: AIZ outperforms 50.68% of 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 of 0.38. This is in the lower half of the industry: AIZ underperforms 61.64% of its industry peers.
Even though the debt/equity ratio score it not favorable for AIZ, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.15 | ||
| Altman-Z | N/A |
ROIC/WACC0.35
WACC7.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AIZ shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.18%.
AIZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.42% yearly.
AIZ shows a small growth in Revenue. In the last year, the Revenue has grown by 6.46%.
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)-8.18%
EPS 3Y18.92%
EPS 5Y14.42%
EPS Q2Q%25%
Revenue 1Y (TTM)6.46%
Revenue growth 3Y5.25%
Revenue growth 5Y4.52%
Sales Q2Q%7.98%
3.2 Future
The Earnings Per Share is expected to grow by 9.74% 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 Y5.68%
EPS Next 2Y10.54%
EPS Next 3Y9.74%
EPS Next 5YN/A
Revenue Next Year6.68%
Revenue Next 2Y5.74%
Revenue Next 3Y5.33%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.91, the valuation of AIZ can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as AIZ.
The average S&P500 Price/Earnings ratio is at 27.30. AIZ is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.33, 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 22.73. AIZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.91 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
AIZ's Enterprise Value to EBITDA is on the same level as the industry average.
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 | 10.95 | ||
| EV/EBITDA | 9.18 |
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)2.27
PEG (5Y)0.9
EPS Next 2Y10.54%
EPS Next 3Y9.74%
5. Dividend
5.1 Amount
AIZ has a Yearly Dividend Yield of 6.32%, which is a nice return.
Compared to an average industry Dividend Yield of 3.43, AIZ pays a better dividend. On top of this AIZ pays more dividend than 88.36% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, AIZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
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 22.62% 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.
DP22.62%
EPS Next 2Y10.54%
EPS Next 3Y9.74%
NYSE:AIZ (9/15/2025, 2:20:00 PM)
210.16
-2.85 (-1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners97.93%
Inst Owner Change-6.15%
Ins Owners0.57%
Ins Owner Change2.55%
Market Cap10.60B
Analysts78.46
Price Target245.82 (16.97%)
Short Float %1.55%
Short Ratio1.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
Yearly Dividend3.03
Dividend Growth(5Y)1.71%
DP22.62%
Div Incr Years10
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.06%
Min EPS beat(2)12.14%
Max EPS beat(2)21.99%
EPS beat(4)4
Avg EPS beat(4)16.68%
Min EPS beat(4)12.14%
Max EPS beat(4)21.99%
EPS beat(8)8
Avg EPS beat(8)23.4%
EPS beat(12)11
Avg EPS beat(12)21.43%
EPS beat(16)13
Avg EPS beat(16)16.17%
Revenue beat(2)1
Avg Revenue beat(2)-0.48%
Min Revenue beat(2)-1.09%
Max Revenue beat(2)0.14%
Revenue beat(4)2
Avg Revenue beat(4)-0.02%
Min Revenue beat(4)-1.09%
Max Revenue beat(4)0.94%
Revenue beat(8)6
Avg Revenue beat(8)0.98%
Revenue beat(12)9
Avg Revenue beat(12)0.72%
Revenue beat(16)10
Avg Revenue beat(16)-0.02%
PT rev (1m)3.34%
PT rev (3m)3.43%
EPS NQ rev (1m)0.67%
EPS NQ rev (3m)4.02%
EPS NY rev (1m)5.89%
EPS NY rev (3m)5.43%
Revenue NQ rev (1m)0.53%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0.9%
Revenue NY rev (3m)0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.91 | ||
| Fwd PE | 10.33 | ||
| P/S | 0.86 | ||
| P/FCF | 10.95 | ||
| P/OCF | 8.86 | ||
| P/B | 1.93 | ||
| P/tB | 4.54 | ||
| EV/EBITDA | 9.18 |
EPS(TTM)16.28
EY7.75%
EPS(NY)20.35
Fwd EY9.68%
FCF(TTM)19.2
FCFY9.14%
OCF(TTM)23.73
OCFY11.29%
SpS243.91
BVpS108.97
TBVpS46.33
PEG (NY)2.27
PEG (5Y)0.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.02% | ||
| ROE | 13.04% | ||
| ROCE | 3.46% | ||
| ROIC | 2.79% | ||
| ROICexc | 2.94% | ||
| ROICexgc | 5.12% | ||
| OM | 8.1% | ||
| PM (TTM) | 5.83% | ||
| GM | N/A | ||
| FCFM | 7.87% |
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%
ROICexcg growth 3Y6.82%
ROICexcg 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-Score7
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.15 | ||
| Debt/EBITDA | 1.69 | ||
| Cap/Depr | 95.93% | ||
| Cap/Sales | 1.86% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 96.89% | ||
| Profit Quality | 135.12% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.94%
ROIC/WACC0.35
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)-8.18%
EPS 3Y18.92%
EPS 5Y14.42%
EPS Q2Q%25%
EPS Next Y5.68%
EPS Next 2Y10.54%
EPS Next 3Y9.74%
EPS Next 5YN/A
Revenue 1Y (TTM)6.46%
Revenue growth 3Y5.25%
Revenue growth 5Y4.52%
Sales Q2Q%7.98%
Revenue Next Year6.68%
Revenue Next 2Y5.74%
Revenue Next 3Y5.33%
Revenue Next 5YN/A
EBIT growth 1Y-10.14%
EBIT growth 3Y5.43%
EBIT growth 5Y8.24%
EBIT Next Year16.46%
EBIT Next 3Y12.3%
EBIT Next 5YN/A
FCF growth 1Y-17.42%
FCF growth 3Y23.2%
FCF growth 5Y-3.13%
OCF growth 1Y-12.61%
OCF growth 3Y19.46%
OCF growth 5Y-1.17%