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

NYSE:AIZN - New York Stock Exchange, Inc. - US04621X3061 - Currency: USD

19.705  -0.1 (-0.48%)

Fundamental Rating

5

AIZN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 143 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 is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

AIZN had positive earnings in the past year.
In the past year AIZN had a positive cash flow from operations.
Each year in the past 5 years AIZN has 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

AIZN has a Return On Assets (2.17%) which is comparable to the rest of the industry.
AIZN has a Return On Equity of 14.89%. This is in the better half of the industry: AIZN outperforms 67.13% of its industry peers.
With a decent Return On Invested Capital value of 2.98%, AIZN is doing good in the industry, outperforming 65.03% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AIZN is in line with the industry average of 4.23%.
The last Return On Invested Capital (2.98%) for AIZN is above the 3 year average (2.34%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.17%
ROE 14.89%
ROIC 2.98%
ROA(3y)1.64%
ROA(5y)1.97%
ROE(3y)11.6%
ROE(5y)13.34%
ROIC(3y)2.34%
ROIC(5y)2.2%
AIZN Yearly ROA, ROE, ROICAIZN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 6.40%, AIZN is in line with its industry, outperforming 48.95% of the companies in the same industry.
AIZN's Profit Margin has improved in the last couple of years.
AIZN has a Operating Margin of 8.92%. This is comparable to the rest of the industry: AIZN outperforms 45.45% of its industry peers.
AIZN's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 8.92%
PM (TTM) 6.4%
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
AIZN Yearly Profit, Operating, Gross MarginsAIZN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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3

2. Health

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
Compared to 5 years ago, AIZN has less shares outstanding
Compared to 1 year ago, AIZN has an improved debt to assets ratio.
AIZN Yearly Shares OutstandingAIZN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
AIZN Yearly Total Debt VS Total AssetsAIZN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

The Debt to FCF ratio of AIZN is 1.87, which is an excellent value as it means it would take AIZN, only 1.87 years of fcf income to pay off all of its debts.
AIZN's Debt to FCF ratio of 1.87 is in line compared to the rest of the industry. AIZN outperforms 50.35% of its industry peers.
AIZN has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
AIZN has a Debt to Equity ratio of 0.41. This is comparable to the rest of the industry: AIZN outperforms 40.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 1.87
Altman-Z N/A
ROIC/WACC0.43
WACC6.88%
AIZN Yearly LT Debt VS Equity VS FCFAIZN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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3

3. Growth

3.1 Past

The earnings per share for AIZN have decreased strongly by -13.00% in the last year.
Measured over the past years, AIZN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.42% on average per year.
The Revenue has been growing slightly by 6.70% in the past 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)-13%
EPS 3Y18.92%
EPS 5Y14.42%
EPS Q2Q%-29.08%
Revenue 1Y (TTM)6.7%
Revenue growth 3Y5.25%
Revenue growth 5Y4.52%
Sales Q2Q%6.99%

3.2 Future

AIZN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.47% yearly.
The Revenue is expected to grow by 4.25% on average over the next years.
EPS Next Y-3.39%
EPS Next 2Y8.36%
EPS Next 3Y7.47%
EPS Next 5YN/A
Revenue Next Year5.74%
Revenue Next 2Y4.9%
Revenue Next 3Y4.25%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
AIZN Yearly Revenue VS EstimatesAIZN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
AIZN Yearly EPS VS EstimatesAIZN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

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8

4. Valuation

4.1 Price/Earnings Ratio

AIZN is valuated cheaply with a Price/Earnings ratio of 1.29.
Compared to the rest of the industry, the Price/Earnings ratio of AIZN indicates a rather cheap valuation: AIZN is cheaper than 92.31% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 24.21. AIZN is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 1.01 indicates a rather cheap valuation of AIZN.
Based on the Price/Forward Earnings ratio, AIZN is valued cheaply inside the industry as 94.41% of the companies are valued more expensively.
AIZN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.44.
Industry RankSector Rank
PE 1.29
Fwd PE 1.01
AIZN Price Earnings VS Forward Price EarningsAIZN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AIZN indicates a rather cheap valuation: AIZN is cheaper than 97.20% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AIZN indicates a rather cheap valuation: AIZN is cheaper than 93.01% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.9
EV/EBITDA 1
AIZN Per share dataAIZN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

AIZN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y8.36%
EPS Next 3Y7.47%

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4

5. Dividend

5.1 Amount

AIZN has a Yearly Dividend Yield of 1.64%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.21, AIZN has a dividend in line with its industry peers.
AIZN's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
Industry RankSector Rank
Dividend Yield 1.64%

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.
The dividend of AIZN decreased recently.
Dividend Growth(5Y)1.71%
Div Incr Years0
Div Non Decr Years1
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 20.51% of its income as dividend. This is a sustainable payout ratio.
The dividend of AIZN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP20.51%
EPS Next 2Y8.36%
EPS Next 3Y7.47%
AIZN Yearly Income VS Free CF VS DividendAIZN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
AIZN Dividend Payout.AIZN Dividend Payout, showing the Payout Ratio.AIZN Dividend Payout.PayoutRetained Earnings

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

NYSE:AIZN (5/9/2025, 8:04:00 PM)

19.705

-0.1 (-0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners97.71%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap1.00B
Analysts78.33
Price Target23.32 (18.35%)
Short Float %0.02%
Short Ratio0.41
Dividend
Industry RankSector Rank
Dividend Yield 1.64%
Yearly Dividend3.03
Dividend Growth(5Y)1.71%
DP20.51%
Div Incr Years0
Div Non Decr Years1
Ex-Date04-01 2025-04-01 (0.328125)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.3%
Min EPS beat(2)14.79%
Max EPS beat(2)17.8%
EPS beat(4)4
Avg EPS beat(4)16.59%
Min EPS beat(4)11.59%
Max EPS beat(4)22.16%
EPS beat(8)8
Avg EPS beat(8)27.55%
EPS beat(12)10
Avg EPS beat(12)20.41%
EPS beat(16)13
Avg EPS beat(16)18.51%
Revenue beat(2)1
Avg Revenue beat(2)0.45%
Min Revenue beat(2)-0.04%
Max Revenue beat(2)0.94%
Revenue beat(4)3
Avg Revenue beat(4)0.41%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)0.94%
Revenue beat(8)7
Avg Revenue beat(8)1.56%
Revenue beat(12)8
Avg Revenue beat(12)-0.17%
Revenue beat(16)10
Avg Revenue beat(16)0.19%
PT rev (1m)7.3%
PT rev (3m)-0.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-41.58%
EPS NY rev (1m)-0.62%
EPS NY rev (3m)-11.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.73%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)1.62%
Valuation
Industry RankSector Rank
PE 1.29
Fwd PE 1.01
P/S 0.08
P/FCF 0.9
P/OCF 0.75
P/B 0.2
P/tB 0.51
EV/EBITDA 1
EPS(TTM)15.26
EY77.44%
EPS(NY)19.55
Fwd EY99.21%
FCF(TTM)21.85
FCFY110.87%
OCF(TTM)26.2
OCFY132.95%
SpS233.49
BVpS100.39
TBVpS38.43
PEG (NY)N/A
PEG (5Y)0.09
Profitability
Industry RankSector Rank
ROA 2.17%
ROE 14.89%
ROCE 3.69%
ROIC 2.98%
ROICexc 3.18%
ROICexgc 5.67%
OM 8.92%
PM (TTM) 6.4%
GM N/A
FCFM 9.36%
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-Score9
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 1.87
Debt/EBITDA 1.62
Cap/Depr 99.02%
Cap/Sales 1.86%
Interest Coverage 250
Cash Conversion 103.88%
Profit Quality 146.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC6.88%
ROIC/WACC0.43
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)-13%
EPS 3Y18.92%
EPS 5Y14.42%
EPS Q2Q%-29.08%
EPS Next Y-3.39%
EPS Next 2Y8.36%
EPS Next 3Y7.47%
EPS Next 5YN/A
Revenue 1Y (TTM)6.7%
Revenue growth 3Y5.25%
Revenue growth 5Y4.52%
Sales Q2Q%6.99%
Revenue Next Year5.74%
Revenue Next 2Y4.9%
Revenue Next 3Y4.25%
Revenue Next 5YN/A
EBIT growth 1Y13.9%
EBIT growth 3Y5.43%
EBIT growth 5Y8.24%
EBIT Next Year22.3%
EBIT Next 3Y10.05%
EBIT Next 5YN/A
FCF growth 1Y18.79%
FCF growth 3Y23.2%
FCF growth 5Y-3.13%
OCF growth 1Y17.1%
OCF growth 3Y19.46%
OCF growth 5Y-1.17%