ASSURANT INC (AIZ) Stock Fundamental Analysis
USA - NYSE:AIZ - US04621X1081 - Common Stock
220.96 USD
-0.73 (-0.33%)
Overall AIZ gets a fundamental rating of 4 out of 10. We evaluated AIZ against 145 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 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.
Each year in the past 5 years AIZ has been profitable.
AIZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of AIZ (2.02%) is comparable to the rest of the industry.
AIZ's Return On Equity of 13.04% is fine compared to the rest of the industry. AIZ outperforms 63.45% 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 57.24% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AIZ is below the industry average of 4.40%.
The last Return On Invested Capital (2.79%) for AIZ is above the 3 year average (2.34%), which is a sign of increasing profitability.
| 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
The Profit Margin of AIZ (5.83%) is worse than 61.38% 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: 66.21% 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
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.
Compared to 1 year ago, AIZ has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 2.15, AIZ is in line with its industry, outperforming 52.41% of the companies in the same industry.
A Debt/Equity ratio of 0.38 indicates that AIZ is not too dependend on debt financing.
AIZ has a worse Debt to Equity ratio (0.38) than 62.07% of its industry peers.
Although AIZ does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.15 | ||
| Altman-Z | N/A |
ROIC/WACC0.35
WACC8.03%
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.
The Revenue has been growing slightly by 6.46% in the past year.
AIZ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.52% yearly.
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 10.20% 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 Y5.59%
EPS Next 2Y10.79%
EPS Next 3Y10.2%
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
The Price/Earnings ratio is 13.57, which indicates a correct valuation of AIZ.
AIZ's Price/Earnings is on the same level as the industry average.
AIZ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.90.
The Price/Forward Earnings ratio is 10.81, which indicates a very decent valuation of AIZ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AIZ is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of AIZ to the average of the S&P500 Index (23.36), we can say AIZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 10.81 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.51 | ||
| EV/EBITDA | 9.54 |
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)2.43
PEG (5Y)0.94
EPS Next 2Y10.79%
EPS Next 3Y10.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.47%, AIZ has a reasonable but not impressive dividend return.
AIZ's Dividend Yield is comparable with the industry average which is at 3.33.
Compared to the average S&P500 Dividend Yield of 2.44, AIZ is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
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 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
22.62% 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.
DP22.62%
EPS Next 2Y10.79%
EPS Next 3Y10.2%
NYSE:AIZ (10/7/2025, 10:32:24 AM)
220.96
-0.73 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners96.78%
Inst Owner Change0%
Ins Owners0.55%
Ins Owner Change-0.09%
Market Cap11.15B
Analysts80
Price Target245.82 (11.25%)
Short Float %1.8%
Short Ratio2.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
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)0%
PT rev (3m)3.43%
EPS NQ rev (1m)-1.19%
EPS NQ rev (3m)3.74%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)5.84%
Revenue NQ rev (1m)0.53%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 10.81 | ||
| P/S | 0.91 | ||
| P/FCF | 11.51 | ||
| P/OCF | 9.31 | ||
| P/B | 2.03 | ||
| P/tB | 4.77 | ||
| EV/EBITDA | 9.54 |
EPS(TTM)16.28
EY7.37%
EPS(NY)20.44
Fwd EY9.25%
FCF(TTM)19.2
FCFY8.69%
OCF(TTM)23.73
OCFY10.74%
SpS243.91
BVpS108.97
TBVpS46.33
PEG (NY)2.43
PEG (5Y)0.94
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
WACC8.03%
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 Y5.59%
EPS Next 2Y10.79%
EPS Next 3Y10.2%
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 Year20.03%
EBIT Next 3Y13.01%
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%