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Company Analysis

Assurant, Inc. AIZ

A comprehensive view of key metrics, scores, and financial health for Assurant, Inc.

Overview of Assurant, Inc.

AIZ NYQ
Financial Services Insurance - Property & Casualty Framework: Insurance & Reinsurance Large Cap
Assurant, Inc. (AIZ), is a Large Cap company, in the Insurance - Property & Casualty industry, last closed at $280.44, about 54.8% overvalued vs fair value, +31.7% 1Y return, ranked 483/1078 in sector.
Metrics P/E 14.1× Rev Growth 7.9% ROE 15.9% Gross Margin 77.1% Div Yield 1.40%
USD 280.44
-0.20%
(Delayed)
• Vol 90d: 22.6%
52-Week Range
Market Cap
$13.83B
Enterprise Value
$11.45B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 94%
Confidence: 59%
Updated: Sep 12
Top Beats

Quick Facts

Website https://www.assurant.com
HQ Atlanta, GA
Employees 14,800
Fiscal year Dec 31

Next Events

Dividend Sep 28
Earnings Nov 3 Estimated

Fair Value Snapshot

Bear Base Bull
$70
$127
$237
Current: $280.44 -55% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$12.8B
7.9%%
Claims & Losses
$-2.9B
5.8%%
Acquisition & Admin Expenses
$-8.7B
Underwriting Result
$1.1B
17.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
22.8%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$472.1M
54.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Assurant, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Stable Underwriting Performance Through Cycles Underwriting stability score is 0.95, demonstrating consistent risk selection and reserving discipline through market cycles.
  • Consistent Premium Growth Premium growth trend is positive (signal score 0.70), reflecting successful new business generation and pricing momentum.

Key risks

  • Below-Peer Float Returns Float return signal is weak (score 0.26), indicating below-peer investment yields limiting overall profitability.
  • High Expense Ratio Vs Peers Expense efficiency is weak (score 0.23), with operating margin at 8.5% — below peers.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Moderate
74
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing AIZ's balance between Growth (37.2%), Profitability (37.4%), and Safety (25.4%). Growth 37% Safety 25% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

48th percentile vs peers
48
Key Signals
Rev Growth YoY 7.9% 51p Equity Growth YoY 15.0% 54p Revenue CAGR 3Y 7.9% 41p EPS Growth YoY 18.2% 48p Asset Growth YoY 3.6% 30p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

48th percentile vs peers
49
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
33
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Assurant, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$126.68
- - -
-54.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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