ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) Fundamental Analysis & Valuation

NYSE:AIZN • US04621X3061

Current stock price

20.49 USD
-0.06 (-0.29%)
Last:

This AIZN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. AIZN Profitability Analysis

1.1 Basic Checks

  • In the past year AIZN was profitable.
  • In the past year AIZN had a positive cash flow from operations.
  • In the past 5 years AIZN has always been profitable.
  • Each year in the past 5 years AIZN had a positive operating cash flow.
AIZN Yearly Net Income VS EBIT VS OCF VS FCFAIZN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.40%, AIZN is in line with its industry, outperforming 56.38% of the companies in the same industry.
  • AIZN has a Return On Equity of 14.86%. This is in the better half of the industry: AIZN outperforms 69.13% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 3.28%, AIZN is in line with its industry, outperforming 58.39% of the companies in the same industry.
  • AIZN had an Average Return On Invested Capital over the past 3 years of 2.98%. This is significantly below the industry average of 15.25%.
  • The 3 year average ROIC (2.98%) for AIZN is below the current ROIC(3.28%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.4%
ROE 14.86%
ROIC 3.28%
ROA(3y)2.16%
ROA(5y)2.26%
ROE(3y)14.37%
ROE(5y)14.9%
ROIC(3y)2.98%
ROIC(5y)2.58%
AIZN Yearly ROA, ROE, ROICAIZN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • AIZN has a Profit Margin of 6.81%. This is comparable to the rest of the industry: AIZN outperforms 48.32% of its industry peers.
  • AIZN's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 9.40%, AIZN is in line with its industry, outperforming 42.95% of the companies in the same industry.
  • AIZN's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 9.4%
PM (TTM) 6.81%
GM N/A
OM growth 3Y26.75%
OM growth 5Y5.73%
PM growth 3Y35.85%
PM growth 5Y9.15%
GM growth 3YN/A
GM growth 5YN/A
AIZN Yearly Profit, Operating, Gross MarginsAIZN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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3

2. AIZN Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AIZN is destroying value.
  • Compared to 1 year ago, AIZN has less shares outstanding
  • AIZN has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for AIZN is higher compared to a year ago.
AIZN Yearly Shares OutstandingAIZN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
AIZN Yearly Total Debt VS Total AssetsAIZN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • AIZN has a debt to FCF ratio of 1.38. This is a very positive value and a sign of high solvency as it would only need 1.38 years to pay back of all of its debts.
  • AIZN has a Debt to FCF ratio (1.38) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.38 indicates that AIZN is not too dependend on debt financing.
  • AIZN has a Debt to Equity ratio (0.38) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.38
Altman-Z N/A
ROIC/WACC0.51
WACC6.38%
AIZN Yearly LT Debt VS Equity VS FCFAIZN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AIZN Yearly Current Assets VS Current LiabilitesAIZN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. AIZN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 19.10% over the past year.
  • The Earnings Per Share has been growing by 18.13% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 7.92% in the past year.
  • The Revenue has been growing slightly by 5.95% on average over the past years.
EPS 1Y (TTM)19.1%
EPS 3Y21.93%
EPS 5Y18.13%
EPS Q2Q%17.12%
Revenue 1Y (TTM)7.92%
Revenue growth 3Y7.91%
Revenue growth 5Y5.95%
Sales Q2Q%7.91%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.97% on average over the next years.
  • The Revenue is expected to grow by 5.64% on average over the next years.
EPS Next Y5.78%
EPS Next 2Y6.47%
EPS Next 3Y6.97%
EPS Next 5YN/A
Revenue Next Year6.69%
Revenue Next 2Y6.09%
Revenue Next 3Y5.64%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 stable.
AIZN Yearly Revenue VS EstimatesAIZN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
AIZN Yearly EPS VS EstimatesAIZN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20

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8

4. AIZN Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.03, the valuation of AIZN can be described as very cheap.
  • Based on the Price/Earnings ratio, AIZN is valued cheaper than 95.97% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.70, AIZN is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 0.98, the valuation of AIZN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, AIZN is valued cheaper than 95.30% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of AIZN to the average of the S&P500 Index (23.84), we can say AIZN is valued rather cheaply.
Industry RankSector Rank
PE 1.03
Fwd PE 0.98
AIZN Price Earnings VS Forward Price EarningsAIZN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 97.99% of the companies in the same industry are more expensive than AIZN, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, AIZN is valued cheaper than 97.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.64
EV/EBITDA 0.96
AIZN Per share dataAIZN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200 250

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)0.18
PEG (5Y)0.06
EPS Next 2Y6.47%
EPS Next 3Y6.97%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. AIZN Dividend Analysis

5.1 Amount

  • AIZN has a Yearly Dividend Yield of 1.55%.
  • Compared to an average industry Dividend Yield of 2.79, AIZN has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, AIZN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.55%

5.2 History

  • The dividend of AIZN has a limited annual growth rate of 2.65%.
  • AIZN has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)2.65%
Div Incr Years0
Div Non Decr Years0
AIZN Yearly Dividends per shareAIZN Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • AIZN pays out 19.30% of its income as dividend. This is a sustainable payout ratio.
  • AIZN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.3%
EPS Next 2Y6.47%
EPS Next 3Y6.97%
AIZN Yearly Income VS Free CF VS DividendAIZN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
AIZN Dividend Payout.AIZN Dividend Payout, showing the Payout Ratio.AIZN Dividend Payout.PayoutRetained Earnings

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AIZN Fundamentals: All Metrics, Ratios and Statistics

ASSURANT INC - AIZ 5 1/4 01/15/61

NYSE:AIZN (3/13/2026, 8:09:26 PM)

20.49

-0.06 (-0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-04
Inst Owners97.48%
Inst Owner ChangeN/A
Ins Owners0.56%
Ins Owner ChangeN/A
Market Cap1.02B
Revenue(TTM)12.82B
Net Income(TTM)872.70M
Analysts80
Price Target25.88 (26.31%)
Short Float %0.01%
Short Ratio0.33
Dividend
Industry RankSector Rank
Dividend Yield 1.55%
Yearly Dividend3.35
Dividend Growth(5Y)2.65%
DP19.3%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.81%
Min EPS beat(2)0.94%
Max EPS beat(2)32.69%
EPS beat(4)4
Avg EPS beat(4)16.94%
Min EPS beat(4)0.94%
Max EPS beat(4)32.69%
EPS beat(8)8
Avg EPS beat(8)16.76%
EPS beat(12)12
Avg EPS beat(12)24.01%
EPS beat(16)14
Avg EPS beat(16)19.54%
Revenue beat(2)2
Avg Revenue beat(2)0.47%
Min Revenue beat(2)0.39%
Max Revenue beat(2)0.55%
Revenue beat(4)3
Avg Revenue beat(4)0%
Min Revenue beat(4)-1.09%
Max Revenue beat(4)0.55%
Revenue beat(8)6
Avg Revenue beat(8)0.21%
Revenue beat(12)10
Avg Revenue beat(12)1.04%
Revenue beat(16)11
Avg Revenue beat(16)-0.13%
PT rev (1m)13.65%
PT rev (3m)14.15%
EPS NQ rev (1m)-0.51%
EPS NQ rev (3m)2.89%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0.97%
Revenue NQ rev (3m)1.25%
Revenue NY rev (1m)1.13%
Revenue NY rev (3m)1.03%
Valuation
Industry RankSector Rank
PE 1.03
Fwd PE 0.98
P/S 0.08
P/FCF 0.64
P/OCF 0.56
P/B 0.17
P/tB 0.38
EV/EBITDA 0.96
EPS(TTM)19.83
EY96.78%
EPS(NY)20.98
Fwd EY102.37%
FCF(TTM)32.16
FCFY156.96%
OCF(TTM)36.9
OCFY180.08%
SpS257.91
BVpS118.14
TBVpS54.39
PEG (NY)0.18
PEG (5Y)0.06
Graham Number229.59
Profitability
Industry RankSector Rank
ROA 2.4%
ROE 14.86%
ROCE 4.05%
ROIC 3.28%
ROICexc 3.5%
ROICexgc 5.7%
OM 9.4%
PM (TTM) 6.81%
GM N/A
FCFM 12.47%
ROA(3y)2.16%
ROA(5y)2.26%
ROE(3y)14.37%
ROE(5y)14.9%
ROIC(3y)2.98%
ROIC(5y)2.58%
ROICexc(3y)3.17%
ROICexc(5y)2.75%
ROICexgc(3y)5.39%
ROICexgc(5y)4.69%
ROCE(3y)3.68%
ROCE(5y)3.18%
ROICexgc growth 3Y29.83%
ROICexgc growth 5Y14.51%
ROICexc growth 3Y33.5%
ROICexc growth 5Y17.96%
OM growth 3Y26.75%
OM growth 5Y5.73%
PM growth 3Y35.85%
PM growth 5Y9.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.38
Debt/EBITDA 1.52
Cap/Depr 94.2%
Cap/Sales 1.84%
Interest Coverage 250
Cash Conversion 126.03%
Profit Quality 183.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC6.38%
ROIC/WACC0.51
Cap/Depr(3y)98.77%
Cap/Depr(5y)101.58%
Cap/Sales(3y)1.84%
Cap/Sales(5y)1.84%
Profit Quality(3y)158.32%
Profit Quality(5y)133.4%
High Growth Momentum
Growth
EPS 1Y (TTM)19.1%
EPS 3Y21.93%
EPS 5Y18.13%
EPS Q2Q%17.12%
EPS Next Y5.78%
EPS Next 2Y6.47%
EPS Next 3Y6.97%
EPS Next 5YN/A
Revenue 1Y (TTM)7.92%
Revenue growth 3Y7.91%
Revenue growth 5Y5.95%
Sales Q2Q%7.91%
Revenue Next Year6.69%
Revenue Next 2Y6.09%
Revenue Next 3Y5.64%
Revenue Next 5YN/A
EBIT growth 1Y13.75%
EBIT growth 3Y36.77%
EBIT growth 5Y12.03%
EBIT Next Year14.77%
EBIT Next 3Y9.48%
EBIT Next 5YN/A
FCF growth 1Y43.82%
FCF growth 3Y57.31%
FCF growth 5Y5.54%
OCF growth 1Y37.61%
OCF growth 3Y45.38%
OCF growth 5Y6.44%

ASSURANT INC - AIZ 5 1/4 01/15/61 / AIZN Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for ASSURANT INC - AIZ 5 1/4 01/15/61?

ChartMill assigns a fundamental rating of 5 / 10 to AIZN.


What is the valuation status of ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) stock?

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.


What are the PE and PB ratios of ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) stock?

The Price/Earnings (PE) ratio for ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) is 1.03 and the Price/Book (PB) ratio is 0.17.


What is the earnings growth outlook for ASSURANT INC - AIZ 5 1/4 01/15/61?

The Earnings per Share (EPS) of ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) is expected to grow by 5.78% in the next year.