ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AIZN - US04621X3061
19.67 USD
-0.15 (-0.76%)
Overall AIZN gets a fundamental rating of 5 out of 10. We evaluated AIZN against 147 industry peers in the Insurance industry. While AIZN is still in line with the averages on profitability rating, there are concerns on its financial health. AIZN scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year AIZN was profitable.
In the past year AIZN had a positive cash flow from operations.
AIZN had positive earnings in each of the past 5 years.
Each year in the past 5 years AIZN had a positive operating cash flow.
1.2 Ratios
AIZN has a Return On Assets (2.37%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 14.74%, AIZN is in the better half of the industry, outperforming 70.07% of the companies in the same industry.
AIZN has a Return On Invested Capital (3.22%) which is comparable to the rest of the industry.
AIZN had an Average Return On Invested Capital over the past 3 years of 2.34%. This is significantly below the industry average of 14.90%.
The 3 year average ROIC (2.34%) for AIZN is below the current ROIC(3.22%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
AIZN has a Profit Margin (6.75%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of AIZN has grown nicely.
AIZN has a Operating Margin of 9.31%. This is in the lower half of the industry: AIZN underperforms 64.63% of its industry peers.
In the last couple of years the Operating Margin of AIZN has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AIZN is destroying value.
Compared to 1 year ago, AIZN has less shares outstanding
Compared to 5 years ago, AIZN has less shares outstanding
AIZN has a better debt/assets ratio than last year.
2.2 Solvency
AIZN has a debt to FCF ratio of 2.16. This is a good value and a sign of high solvency as AIZN would need 2.16 years to pay back of all of its debts.
The Debt to FCF ratio of AIZN (2.16) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.38 indicates that AIZN is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.38, AIZN perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.16 | ||
| Altman-Z | N/A |
ROIC/WACC0.52
WACC6.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.63% over the past year.
The Earnings Per Share has been growing by 14.42% on average over the past years. This is quite good.
Looking at the last year, AIZN shows a small growth in Revenue. The Revenue has grown by 6.95% in the last year.
Measured over the past years, AIZN shows a small growth in Revenue. The Revenue has been growing by 4.52% on average per year.
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
AIZN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.88% yearly.
AIZN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.14% yearly.
EPS Next Y18.24%
EPS Next 2Y12.32%
EPS Next 3Y10.88%
EPS Next 5YN/A
Revenue Next Year7.32%
Revenue Next 2Y6.52%
Revenue Next 3Y6.14%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.03 indicates a rather cheap valuation of AIZN.
Based on the Price/Earnings ratio, AIZN is valued cheaply inside the industry as 95.92% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of AIZN to the average of the S&P500 Index (26.54), we can say AIZN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 0.94, the valuation of AIZN can be described as very cheap.
Based on the Price/Forward Earnings ratio, AIZN is valued cheaper than 96.60% of the companies in the same industry.
AIZN is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.03 | ||
| Fwd PE | 0.94 |
4.2 Price Multiples
97.96% of the companies in the same industry are more expensive than AIZN, based on the Enterprise Value to EBITDA ratio.
AIZN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AIZN is cheaper than 95.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.96 | ||
| EV/EBITDA | 1.05 |
4.3 Compensation for Growth
AIZN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.06
PEG (5Y)0.07
EPS Next 2Y12.32%
EPS Next 3Y10.88%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.57%, AIZN has a reasonable but not impressive dividend return.
AIZN's Dividend Yield is comparable with the industry average which is at 3.42.
AIZN's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
5.2 History
The dividend of AIZN has a limited annual growth rate of 1.71%.
AIZN has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)1.71%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
19.47% of the earnings are spent on dividend by AIZN. This is a low number and sustainable payout ratio.
The dividend of AIZN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.47%
EPS Next 2Y12.32%
EPS Next 3Y10.88%
ASSURANT INC - AIZ 5 1/4 01/15/61
NYSE:AIZN (12/12/2025, 8:13:38 PM)
19.67
-0.15 (-0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners96.59%
Inst Owner ChangeN/A
Ins Owners0.57%
Ins Owner ChangeN/A
Market Cap985.07M
Revenue(TTM)12.57B
Net Income(TTM)848.80M
Analysts80
Price Target22.67 (15.25%)
Short Float %0.01%
Short Ratio0.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
Yearly Dividend3.03
Dividend Growth(5Y)1.71%
DP19.47%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-8.27%
PT rev (3m)-3.99%
EPS NQ rev (1m)1.72%
EPS NQ rev (3m)4.38%
EPS NY rev (1m)9.37%
EPS NY rev (3m)11.89%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)1.19%
Revenue NY rev (1m)0.6%
Revenue NY rev (3m)0.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.03 | ||
| Fwd PE | 0.94 | ||
| P/S | 0.08 | ||
| P/FCF | 0.96 | ||
| P/OCF | 0.78 | ||
| P/B | 0.17 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | 1.05 |
EPS(TTM)19.01
EY96.64%
EPS(NY)21.01
Fwd EY106.79%
FCF(TTM)20.4
FCFY103.7%
OCF(TTM)25.27
OCFY128.49%
SpS251.05
BVpS114.99
TBVpS51.54
PEG (NY)0.06
PEG (5Y)0.07
Graham Number221.77
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC6.16%
ROIC/WACC0.52
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 Y18.24%
EPS Next 2Y12.32%
EPS Next 3Y10.88%
EPS Next 5YN/A
Revenue 1Y (TTM)6.95%
Revenue growth 3Y5.25%
Revenue growth 5Y4.52%
Sales Q2Q%8.89%
Revenue Next Year7.32%
Revenue Next 2Y6.52%
Revenue Next 3Y6.14%
Revenue Next 5YN/A
EBIT growth 1Y12.3%
EBIT growth 3Y5.43%
EBIT growth 5Y8.24%
EBIT Next Year28.57%
EBIT Next 3Y13.51%
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 5 1/4 01/15/61 / AIZN FAQ
What is the fundamental rating for AIZN stock?
ChartMill assigns a fundamental rating of 5 / 10 to AIZN.
Can you provide the valuation status for ASSURANT INC - AIZ 5 1/4 01/15/61?
ChartMill assigns a valuation rating of 8 / 10 to ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN). This can be considered as Undervalued.
How profitable is ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) stock?
ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) has a profitability rating of 5 / 10.
Can you provide the expected EPS growth for AIZN stock?
The Earnings per Share (EPS) of ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) is expected to grow by 18.24% in the next year.
How sustainable is the dividend of ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) stock?
The dividend rating of ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) is 4 / 10 and the dividend payout ratio is 19.47%.