Assurant, Inc. (AIZ)
Financials · Multi-line Insurance · US stock · S&P 500 component
$283.31
▲ +1.44 (0.51%)
Fair valueOvervalued
$209 −26.1% to fair value
$105fair band $146–$272$314
Day's range
$281.83 – $285.67
52-week range
$203.08 – $303.00
About Assurant, Inc.
Assurant is an insurance company focused on specialty protection products rather than traditional life or auto cover. It provides extended warranties and device protection for mobile phones and appliances, and it supplies lender-placed and renters insurance tied to housing. Many products are sold through partners such as carriers, retailers and mortgage servicers. Revenue comes from premiums and fees, supplemented by investment income on its insurance reserves.
Sales reached $13.5 billion in the last twelve months, having grown 7.9% a year over the past three years. Operating profit equals 10.7% of revenue. Return on invested capital is 26%. It pays a dividend, and the yield is 1.2%. Overall, the X-Ray Score is 64 out of 100. These numbers describe past results and current financial position, and they are shown for reference only.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $203.08 – $303.00Volume 399,000Daily, split-adjusted
Vitals
Market cap$14.1B
52-week range$203.08 – $303.00
Volume (last day)399,000
P/E (TTM)13.5
EBIT / EV yield11.6%
Free-cash-flow yield11.7%
Dividend yield1.2%
Revenue (TTM)$13.5B
Net income (TTM)$1.1B
Operating margin10.7%
Return on capital26.2%
Debt incl. leasesData missing
Cash & securities$1.7B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$209
Overvalued
−26.1% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $283
Undervalued < $146Fair $146 – $272Overvalued > $272
Excess-return (bank)
$165
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Average business, priced high
Our models put fair value below today's price, so a lot of good news may already be in the price. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Fair
57/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield11.6%
Free-cash-flow yield11.7%
Fair value vs price0.7×
Growth
Strong
75/100
Growing faster than most of its sector.
See the numbers →
Revenue growth (3y)7.9%
EPS growth (3y)49.7%
Growth consistency100%
Profitability
Fair
64/100
Returns on capital are typical for its sector.
See the numbers →
Return on invested capital26.2%
Operating margin10.7%
Financial health
Fair
67/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score9 / 9
Interest cover12.8×
Dividends
Weak
44/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield1.2%
Dividends vs free cash flow11%
Dividend growth3.9%
Quarterly results: last 6 quarters
+6.7%
Mar '25
+8.0%
Jun '25
+8.9%
Sep '25
+7.9%
Dec '25
+11.3%
Mar '26
+9.4%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $3.5B, diluted EPS $5.95.
Compare with peers
L Loews Corp50 AIG American International...38Other Multi-line Insurance companies by X-Ray Score.
Fundamentals checklist
● 8 Good · ● 2 Average · ● 2 BadCash quality
Earnings backed by cashGood
Free-cash-flow yieldGood
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Good
Free-cash-flow growth (3y)Good
Revenue growth (3y)Average
Growth consistencyGood
Balance sheet
Interest coverBad
Valuation
Fair value vs priceAverage
EBIT / EV yieldGood
Profitability
Return on invested capitalGood
Operating marginBad
Each check is graded against the company's sector, not a fixed number. Checklist score 59/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $10.2B | $10.2B | $11.1B | $11.9B | $12.8B |
| Operating income | $883M | $458M | $915M | $1.0B | $1.2B |
| Net income | $1.4B | $277M | $643M | $760M | $873M |
| Operating cash flow | $782M | $597M | $1.1B | $1.3B | $1.8B |
| Operating margin | 8.7% | 4.5% | 8.2% | 8.7% | 9.3% |
| Free cash flow | $594M | $411M | $936M | $1.1B | $1.6B |
| Diluted EPS | $22.66 | $5.05 | $11.95 | $14.46 | $16.93 |
Fiscal years, from SEC filings.
Technical summary
Daily
Strongly bullish
12 bullish · 1 neutral · 3 bearish
Weekly
Strongly bullish
11 bullish · 1 neutral · 0 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 272.5 | Bullish |
| EMA 10 | 274.4 | Bullish |
| SMA 20 | 269.6 | Bullish |
| EMA 20 | 273.3 | Bullish |
| SMA 50 | 277.6 | Bullish |
| EMA 50 | 274.2 | Bullish |
| SMA 100 | 272.8 | Bullish |
| EMA 100 | 268.7 | Bullish |
| SMA 200 | 250.9 | Bullish |
| EMA 200 | 255.0 | Bullish |
Oscillators (daily)
| RSI (14) | 61.59 | Neutral |
| MACD (12, 26) | 0.12 | Bullish |
| Momentum (12) | 7.52 | Bullish |
| Stochastic %K (14) | 90.57 | Bearish |
| Williams %R (14) | -9.43 | Bearish |
| CCI (20) | 200.2 | Bearish |
Pivot points (classic, last session)
S3 277.7 | S2 279.8 | S1 281.5 | Pivot 283.6 | R1 285.4 | R2 287.4 | R3 289.2 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
3.52 USD
Yield on today's price
1.24%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 31 Aug 2026 | 0.8800 |
| 8 Jun 2026 | 0.8800 |
| 17 Feb 2026 | 0.8800 |
| 1 Dec 2025 | 0.8800 |
| 2 Sep 2025 | 0.8000 |
| 9 Jun 2025 | 0.8000 |
| 3 Feb 2025 | 0.8000 |
| 9 Dec 2024 | 0.8000 |
| 3 Sep 2024 | 0.7200 |
| 10 Jun 2024 | 0.7200 |
| 2 Feb 2024 | 0.7200 |
| 24 Nov 2023 | 0.7200 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
AIZ SEC filings
6 Aug 2026
10-QSEC EDGAR
Quarterly report
4 Aug 2026
8-KSEC EDGAR
Results of operations
22 May 2026
8-KSEC EDGAR
Director or officer change; Shareholder vote results
7 May 2026
10-QSEC EDGAR
Quarterly report
5 May 2026
8-KSEC EDGAR
Results of operations
6 Apr 2026
DEF 14ASEC EDGAR
Proxy statement
19 Feb 2026
10-KSEC EDGAR
Annual report
10 Feb 2026
8-KSEC EDGAR
Results of operations
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.