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ASSURANT INC (AIZ) Stock Fundamental Analysis

USA - NYSE:AIZ - US04621X1081 - Common Stock

226.05 USD
+1.43 (+0.64%)
Last: 11/20/2025, 7:05:51 PM
226.05 USD
0 (0%)
After Hours: 11/20/2025, 7:05:51 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to AIZ. AIZ was compared to 147 industry peers in the Insurance industry. AIZ has a medium profitability rating, but doesn't score so well on its financial health evaluation. AIZ has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

In the past year AIZ was profitable.
AIZ had a positive operating cash flow in the past year.
Each year in the past 5 years AIZ has been profitable.
Each year in the past 5 years AIZ 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 56.46% of 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 69.39% of the companies in the same industry.
The Return On Invested Capital of AIZ (3.22%) is better than 61.22% of its industry peers.
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 RankSector 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%
AIZ Yearly ROA, ROE, ROICAIZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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 62.59% 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 3Y0.17%
OM growth 5Y3.56%
PM growth 3Y-21.67%
PM growth 5Y10.86%
GM growth 3YN/A
GM growth 5YN/A
AIZ Yearly Profit, Operating, Gross MarginsAIZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

3

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.
AIZ Yearly Shares OutstandingAIZ Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
With a Debt to FCF ratio value of 2.16, AIZ perfoms like the industry average, outperforming 53.06% of the companies in the same industry.
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 42.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.16
Altman-Z N/A
ROIC/WACC0.4
WACC8.04%
AIZ Yearly LT Debt VS Equity VS FCFAIZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

5

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.
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.
The Revenue has been growing slightly by 4.52% on average over the past years.
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.
AIZ is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.33% yearly.
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.
AIZ Yearly Revenue VS EstimatesAIZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B
AIZ Yearly EPS VS EstimatesAIZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.89, the valuation of AIZ can be described as reasonable.
AIZ's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.07. AIZ is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.04 indicates a reasonable valuation of AIZ.
The rest of the industry has a similar Price/Forward Earnings ratio as AIZ.
The average S&P500 Price/Forward Earnings ratio is at 34.08. AIZ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.89
Fwd PE 11.04
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

The rest of the industry has a similar Enterprise Value to EBITDA ratio as AIZ.
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 RankSector Rank
P/FCF 11.17
EV/EBITDA 8.37
AIZ Per share dataAIZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

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)1.47
PEG (5Y)0.82
EPS Next 2Y10.89%
EPS Next 3Y10.31%

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.41%, AIZ has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.51, 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 2.44.
Industry RankSector 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.71%
Div Incr Years10
Div Non Decr Years10
AIZ Yearly Dividends per shareAIZ Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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 2Y10.89%
EPS Next 3Y10.31%
AIZ Yearly Income VS Free CF VS DividendAIZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
AIZ Dividend Payout.AIZ Dividend Payout, showing the Payout Ratio.AIZ Dividend Payout.PayoutRetained Earnings

ASSURANT INC

NYSE:AIZ (11/20/2025, 7:05:51 PM)

After market: 226.05 0 (0%)

226.05

+1.43 (+0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-09 2026-02-09/amc
Inst Owners96.78%
Inst Owner Change2.02%
Ins Owners0.55%
Ins Owner Change-2.24%
Market Cap11.41B
Revenue(TTM)12.57B
Net Income(TTM)848.80M
Analysts80
Price Target250.92 (11%)
Short Float %1.3%
Short Ratio2.1
Dividend
Industry RankSector Rank
Dividend Yield 1.41%
Yearly Dividend3.03
Dividend Growth(5Y)1.71%
DP19.47%
Div Incr Years10
Div Non Decr Years10
Ex-Date09-02 2025-09-02 (0.8)
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 RankSector Rank
PE 11.89
Fwd PE 11.04
P/S 0.91
P/FCF 11.17
P/OCF 9.01
P/B 1.98
P/tB 4.42
EV/EBITDA 8.37
EPS(TTM)19.01
EY8.41%
EPS(NY)20.48
Fwd EY9.06%
FCF(TTM)20.24
FCFY8.96%
OCF(TTM)25.08
OCFY11.1%
SpS249.16
BVpS114.12
TBVpS51.16
PEG (NY)1.47
PEG (5Y)0.82
Graham Number220.93
Profitability
Industry RankSector 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 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
WACC8.04%
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 11.89 and the Price/Book (PB) ratio is 1.98.


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%.