Stock Analysis
Assurant, Inc.AIZ
P/E 13.14×· 5Y range 6.37–28.97×· 40th percentile of history
Sector: Financial Services · Industry: Insurance Carriers, Nec
AnalystsStrong Buy13 analystsP/E 13.1× sits at the 40th percentile of its 5.089664613278576-year history.
Cash covers 77% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Quality90
- Profitability65
Risks
- Growth24
- Financial Health48
Mixed picture — no clear quality or value edge.
Bull Case
- ✓ROE 17.4% — efficient capital deployment
- ✓Interest coverage 13.6× — debt well covered
What's happening with AIZ
Profile
Strong earnings quality and valuation; growth and financial health lag behind.
How is each axis scored?
- Valuation82/100 · Strong
- P/E vs own history (40th pct)12/25
- FCF yield (11.9%)25/25
- P/S (1.0x)25/25
- EV/EBIT (10.5x)20/25
- Growth24/100 · Weak
- Revenue CAGR (5.9%)12/25
- Net income CAGR (-10.7%)0/25
- EPS CAGR 5Y (-7.0%)0/25
- Fwd implied growth (10.9%)12/25
- Profitability65/100 · Moderate
- ROIC (16.5%)20/25
- ROE (17.4%)20/25
- Net margin (7.9%)13/25
- Operating margin (10.3%)12/25
- Financial Health48/100 · Weak
- Altman Z (0.46)3/25
- Current ratio (0.00)0/25
- Interest coverage (13.6x)25/25
- Net cash / debt (D/A 1%)20/25
- Quality90/100 · Strong
- Piotroski F (6/9)15/25
- Beneish M (-2.55)25/25
- FCF conversion (156%)25/25
- Margin stability (σ 3.1%)25/25
- Moat57/100 · Moderate
- ROIC >12% years (7/10 yrs)20/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 2.7%)12/25
Risk Flags
- ⚠Altman Z 0.5 — distress-zone balance sheet
About Assurant, Inc.
Assurant Inc is a protection company that partners with the brands to safeguard and service connected devices, homes and automobiles. Show more
It operate in North America, Latin America, Europe and Asia Pacific through two operating segments: Global Lifestyle and Global Housing. Global Lifestyle: includes mobile device solutions, consumer electronics and appliances services, and financial services and other insurance products. Global Housing: includes lender-placed homeowners, manufactured housing and flood insurance, as well as voluntary manufactured housing, condominium and homeowners insurance. In addition, the Company reports the Corporate and Other segment, which includes corporate employee-related expenses, activities of the holding company and investments in the home warranty business.
Headquarters: ATLANTA, GA · Employees: 14,800 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
82AP/E (TTM)13.1xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 6.4x–29.0x · 40th pct
P/FCF8.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield11.9%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -3.3%–18.7% · 65th pct
P/S (TTM)1.04xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.6x–1.1x · 97th pct
EV/EBIT10.5xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 9.7x–11.1x · 66th pct
EV/Sales1.1xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.9xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.29xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.25A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.28%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio16.6%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
65BROIC16.5%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE17.4%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA3.0%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin7.9%C
Grade C: AverageNet Income / Revenue
Operating Margin10.3%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin12.3%C
Grade C: AverageFCF / Revenue
True FCF Margin11.6%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
24ERevenue CAGR5.9%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-10.7%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-7.0%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth10.9%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-19.9%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income8.6%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.7%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
48D+Altman Z-Score0.46D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.00xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.00xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage13.6xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment0.3yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.4xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.36xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.77xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
90A+Piotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.55A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion155.7%A
Grade A: StrongFCF / Net Income
Margin Stability3.1%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue1.6%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.37xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
DiRienzo Dimitry Filed | DiRienzo Dimitry | Tax withholding | -219 | |
Campbell Michael P. Filed | Campbell Michael P. | Tax withholding | -147 | |
Demmings Keith Filed | Demmings Keith | Gift | -3500 | |
Biju Nair Filed | Biju Nair | SellOpen market sale | -3931 | |
Lonergan Robert Filed | Lonergan Robert | SellOpen market sale | -7000 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
DiRienzo Dimitry Filed | DiRienzo Dimitry | SellOpen market sale | -2000 | |
Basu Rajiv Filed | Basu Rajiv | Grant / award | +668 | |
Blake Lynn S. Filed | Blake Lynn S. | Grant / award | +668 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
57CROIC >12% Years7/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor2.7%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$21.56
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$27.03
Cash & short-term investments per share (Finnhub)
Book Value / Share$123.48
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$2.21B
Total debt obligations (short + long term)
Cash & Equiv.$1.70B
Cash and short-term investments
Net Debt$509.40M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$6.10B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$13.97B
Current Market Capitalization
Beta0.54B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Assurant, Inc. (AIZ)
AIZ is up 0.51% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Assurant, Inc.. Altman Z-Score of 0.46 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.55 suggests a low likelihood of earnings manipulation.
- Takes ~0.3 years to repay net debt from free cash flow.
- At a valuation score of 82/100, AIZ trades near the cheapest end of its own historical range (P/E 13.1).
See how AIZ ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all AIZ moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 8 | Regular | 273.23 | +2.44% | 2.40 |
| Oct 8 | After-hours | 272.86 | +2.30% | 2.28 |
| Oct 6 | After-hours | 270.96 | +1.71% | 2.01 |
| Sep 22 | After-hours | 271.08 | -2.27% | -2.27 |
Frequently Asked Questions about AIZ
What is the current Assurant, Inc. (AIZ) stock price?
AIZ is trading at $283.31 at the last market close, up 0.51% on the session. PreMarketPrice tracks AIZ pre-market, intraday and after-hours prices.
Is AIZ stock a buy right now?
PreMarketPrice's quantitative model rates Assurant, Inc.'s financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is AIZ stock overvalued?
Assurant, Inc. trades at a trailing P/E of 13.1 and our valuation score rates it 82/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Assurant, Inc. report earnings?
No confirmed earnings date is currently scheduled for AIZ. The Earnings section lists recent reports and updates as dates are announced.
What sector does Assurant, Inc. operate in?
Assurant, Inc. operates in the Financial Services sector, within the Insurance Carriers, Nec industry. The Related Stocks section lists sector peers for comparison.
What does Assurant, Inc. do?
Assurant Inc is a protection company that partners with the brands to safeguard and service connected devices, homes and automobiles.
About Assurant, Inc. (AIZ) Stock
Assurant, Inc. (AIZ) is a US-listed stock operating in the Financial Services sector, specifically the Insurance Carriers, Nec industry. As of the latest update, Assurant, Inc. is trading at $283.31, up 0.51% on the day with a market capitalization of $14.0 billion. The financial health score for AIZ is 48/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for AIZ stock.
AIZ Stock Analysis & Key Metrics
On PreMarketPrice, you can track Assurant, Inc. (AIZ) across multiple dimensions:
- Pre-market price & movement: Real-time AIZ stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for AIZ with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Assurant, Inc. across multiple reporting periods.
- Financial health score: A composite score of 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for AIZ.
- Sector peers: Compare AIZ against 4 other financial services stocks on key financial metrics.
Is AIZ a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Assurant, Inc. (AIZ) as an investment. The financial health score of 48/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Assurant, Inc. (AIZ) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.