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

NYSE:AIZN • US04621X3061

21.03 USD
-0.36 (-1.68%)
Last: Feb 12, 2026, 07:27 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, AIZN scores 4 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 is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • AIZN had positive earnings in the past year.
  • AIZN had a positive operating cash flow in the past year.
  • Of the past 5 years AIZN 4 years were profitable.
  • AIZN had a positive operating cash flow in 4 of the past 5 years.
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 500M 1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.37%, AIZN is in line with its industry, outperforming 59.06% of the companies in the same industry.
  • The Return On Equity of AIZN (14.74%) is better than 71.14% of its industry peers.
  • AIZN has a Return On Invested Capital of 3.22%. This is in the better half of the industry: AIZN outperforms 60.40% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for AIZN is significantly below the industry average of 14.88%.
  • The 3 year average ROIC (2.34%) for AIZN is below the current ROIC(3.22%), indicating increased profibility in the last year.
Industry RankSector 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%
AIZN Yearly ROA, ROE, ROICAIZN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 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 6.75%, AIZN is in line with its industry, outperforming 42.95% of the companies in the same 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 63.09% of its industry peers.
  • AIZN's Operating Margin has improved in the last couple of years.
Industry RankSector 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
AIZN Yearly Profit, Operating, Gross MarginsAIZN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • AIZN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • AIZN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AIZN Yearly Shares OutstandingAIZN Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

  • The Debt to FCF ratio of AIZN is 2.16, which is a good value as it means it would take AIZN, 2.16 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 2.16, AIZN perfoms like the industry average, outperforming 53.02% of the companies in the same industry.
  • A Debt/Equity ratio of 0.38 indicates that AIZN is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.38, AIZN is in line with its industry, outperforming 43.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.16
Altman-Z N/A
ROIC/WACC0.5
WACC6.5%
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 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 2B 4B 6B

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

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 19.10% over the past year.
  • Measured over the past years, AIZN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.13% on average per year.
EPS 1Y (TTM)19.1%
EPS 3Y21.93%
EPS 5Y18.13%
EPS Q2Q%17.12%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.57%

3.2 Future

  • AIZN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.28% yearly.
  • AIZN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.02% yearly.
EPS Next Y6.04%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.5%
Revenue Next 2Y5.02%
Revenue Next 3YN/A
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.
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 5B 10B
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 5 10 15 20

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 1.06, the valuation of AIZN can be described as very cheap.
  • AIZN's Price/Earnings ratio is rather cheap when compared to the industry. AIZN is cheaper than 95.30% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. AIZN is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 1.00 indicates a rather cheap valuation of AIZN.
  • Based on the Price/Forward Earnings ratio, AIZN is valued cheaply inside the industry as 95.30% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. AIZN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.06
Fwd PE 1
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

  • AIZN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. AIZN is cheaper than 97.32% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, AIZN is valued cheaper than 94.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.03
EV/EBITDA 1.11
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

  • The 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 2Y6.28%
EPS Next 3YN/A

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

5

5. Dividend

5.1 Amount

  • AIZN has a Yearly Dividend Yield of 1.63%. Purely for dividend investing, there may be better candidates out there.
  • AIZN's Dividend Yield is comparable with the industry average which is at 2.18.
  • Compared to an average S&P500 Dividend Yield of 1.80, AIZN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.63%

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
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 19.47% 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.
DP19.47%
EPS Next 2Y6.28%
EPS Next 3YN/A
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 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 (2/12/2026, 7:27:38 PM)

21.03

-0.36 (-1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-04
Inst Owners96.54%
Inst Owner ChangeN/A
Ins Owners0.57%
Ins Owner ChangeN/A
Market Cap1.05B
Revenue(TTM)N/A
Net Income(TTM)848.80M
Analysts80
Price Target22.77 (8.27%)
Short Float %0.03%
Short Ratio0.91
Dividend
Industry RankSector Rank
Dividend Yield 1.63%
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)5.57%
PT rev (3m)-7.86%
EPS NQ rev (1m)4.48%
EPS NQ rev (3m)6.85%
EPS NY rev (1m)1.45%
EPS NY rev (3m)10.95%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.72%
Valuation
Industry RankSector Rank
PE 1.06
Fwd PE 1
P/S 0.08
P/FCF 1.03
P/OCF 0.83
P/B 0.18
P/tB 0.41
EV/EBITDA 1.11
EPS(TTM)19.83
EY94.29%
EPS(NY)21.03
Fwd EY99.98%
FCF(TTM)20.4
FCFY96.99%
OCF(TTM)25.27
OCFY120.18%
SpS251.05
BVpS114.99
TBVpS51.54
PEG (NY)0.18
PEG (5Y)0.06
Graham Number226.5
Profitability
Industry RankSector 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 RankSector 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
WACC6.5%
ROIC/WACC0.5
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)19.1%
EPS 3Y21.93%
EPS 5Y18.13%
EPS Q2Q%17.12%
EPS Next Y6.04%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.57%
Revenue Next Year5.5%
Revenue Next 2Y5.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y12.3%
EBIT growth 3Y5.43%
EBIT growth 5Y8.24%
EBIT Next Year37.63%
EBIT Next 3Y14.18%
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 4 / 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 1.06 and the Price/Book (PB) ratio is 0.18.


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 6.04% in the next year.