ASSURANT INC - AIZ 5 1/4 01/15/61 (AIZN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AIZN - US04621X3061
19.955 USD
-0.21 (-1.02%)
20.25 USD
+0.3 (+1.48%)
Taking everything into account, AIZN scores 5 out of 10 in our fundamental rating. AIZN was compared to 149 industry peers in the Insurance industry. There are concerns on the financial health of AIZN while its profitability can be described as average. AIZN scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
- AIZN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- AIZN has a Return On Assets of 2.37%. This is comparable to the rest of the industry: AIZN outperforms 58.39% of its industry peers.
- The Return On Equity of AIZN (14.74%) is better than 70.47% of its industry peers.
- The Return On Invested Capital of AIZN (3.22%) is better than 60.40% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for AIZN is significantly below the industry average of 14.92%.
- 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
- Looking at the Profit Margin, with a value of 6.75%, AIZN is in line with its industry, outperforming 42.28% of the companies in the same industry.
- In the last couple of years the Profit Margin of AIZN has grown nicely.
- The Operating Margin of AIZN (9.31%) is worse than 63.76% of its industry peers.
- AIZN's Operating Margin has improved in the last couple of years.
| 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.
- AIZN has less shares outstanding than it did 1 year ago.
- AIZN has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, AIZN has an improved debt to assets ratio.
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.
- AIZN has a Debt to FCF ratio of 2.16. This is comparable to the rest of the industry: AIZN outperforms 53.02% of its industry peers.
- A Debt/Equity ratio of 0.38 indicates that AIZN is not too dependend on debt financing.
- The Debt to Equity ratio of AIZN (0.38) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 2.16 | ||
| Altman-Z | N/A |
ROIC/WACC0.48
WACC6.73%
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.
- AIZN 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 6.95% in the past year.
- AIZN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.52% yearly.
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
- Based on estimates for the next years, AIZN will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.88% on average per year.
- AIZN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.95% yearly.
EPS Next Y18.24%
EPS Next 2Y12.42%
EPS Next 3Y10.88%
EPS Next 5YN/A
Revenue Next Year7.46%
Revenue Next 2Y6.58%
Revenue Next 3Y5.95%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- AIZN is valuated cheaply with a Price/Earnings ratio of 1.05.
- Based on the Price/Earnings ratio, AIZN is valued cheaply inside the industry as 96.64% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of AIZN to the average of the S&P500 Index (27.38), we can say AIZN is valued rather cheaply.
- A Price/Forward Earnings ratio of 0.95 indicates a rather cheap valuation of AIZN.
- Based on the Price/Forward Earnings ratio, AIZN is valued cheaper than 96.64% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. AIZN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.05 | ||
| Fwd PE | 0.95 |
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.
- 95.30% of the companies in the same industry are more expensive than AIZN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.98 | ||
| EV/EBITDA | 1.06 |
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 2Y12.42%
EPS Next 3Y10.88%
5. Dividend
5.1 Amount
- AIZN has a Yearly Dividend Yield of 1.48%.
- AIZN's Dividend Yield is comparable with the industry average which is at 2.53.
- Compared to an average S&P500 Dividend Yield of 1.84, AIZN has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
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.
- AIZN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.47%
EPS Next 2Y12.42%
EPS Next 3Y10.88%
19.955
-0.21 (-1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-10 2026-02-10/amc
Inst Owners96.54%
Inst Owner ChangeN/A
Ins Owners0.57%
Ins Owner ChangeN/A
Market Cap999.35M
Revenue(TTM)12.57B
Net Income(TTM)848.80M
Analysts80
Price Target22.5 (12.75%)
Short Float %0%
Short Ratio0.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
Yearly Dividend3.03
Dividend Growth(5Y)1.71%
DP19.47%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-0.76%
PT rev (3m)-3.41%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)4.57%
EPS NY rev (1m)0%
EPS NY rev (3m)11.98%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)1.15%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.05 | ||
| Fwd PE | 0.95 | ||
| P/S | 0.08 | ||
| P/FCF | 0.98 | ||
| P/OCF | 0.79 | ||
| P/B | 0.17 | ||
| P/tB | 0.39 | ||
| EV/EBITDA | 1.06 |
EPS(TTM)19.01
EY95.26%
EPS(NY)21.04
Fwd EY105.45%
FCF(TTM)20.4
FCFY102.22%
OCF(TTM)25.27
OCFY126.65%
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
WACC6.73%
ROIC/WACC0.48
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 2Y12.42%
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 Year7.46%
Revenue Next 2Y6.58%
Revenue Next 3Y5.95%
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
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 1.05 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 18.24% in the next year.