Financials · Multi-line Insurance · US stock · price as of 16 Oct 2026
Key indicators
Price
$283.31
52-week range
$203.08 – $303.00
Market cap
$14.1B
P/E (trailing)
13.5×
Dividend yield
1.2%
Revenue (last 12 months)
$13.5B
Revenue growth (3y a year)
7.9%
Price / book
2.3×
Return on equity
17.4%
Fair value
Blended fair value$209.28 book-value models
Versus priceOvervalued−26% to fair value
Excess-return model (banks, insurers)
$164.62
Price / book vs return on equity
$276.29
Model uncertainty
Medium
X-Ray Score
63/ 100 · Medium confidence · ahead of 86% of sector peers
Valuation57
Growth75
Profitability63
Financial health67
Dividends44
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%. These numbers describe past results and current financial position, and they are shown for reference only.
StocksXray gives Assurant, Inc. an X-Ray Score of 63 out of 100 (medium confidence), ahead of 86% of the S&P 500 stocks in its sector. Its strongest lens is growth (75) and its weakest is dividends (44).
Our fair value blend is $209.28. At $283.31 the stock trades 35% above that blend, so the label is "Overvalued" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Assurant, Inc. (AIZ)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$143.94
$117.54
$161.64
$207.78
$238.32
$283.31
Market cap
$8.7B
$6.4B
$8.6B
$10.8B
$12.2B
$14.1B
P/E
6.4×
23.3×
13.5×
14.4×
14.1×
13.5×
Price / book
1.6×
1.5×
1.8×
2.1×
2.1×
2.3×
Dividend yield
1.85%
2.33%
1.74%
1.42%
1.38%
1.24%
Fundamentals checklist ● 4 Good · ● 2 Average · ● 1 Bad · each check graded against the sector
Risk models
Piotroski F-Score9 of 9Good
Growth
EPS growth (3y)49.7%Good
Revenue growth (3y)7.9%Average
Growth consistency100%Good
Valuation
Fair value vs price0.7×Average
Profitability
Return on invested capital26.2%Good
Operating margin10.7%Bad
XStocksXray
Assurant, Inc. (AIZ)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
10,188
10,193
11,132
11,878
12,814
13,456
Net income
1,362
277
643
760
873
1,064
Diluted EPS ($)
22.66
5.05
11.95
14.46
16.93
21.01
Net margin
13.4%
2.7%
5.8%
6.4%
6.8%
7.9%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
33,921
33,117
33,635
35,021
36,290
36,081
Cash
2,041
1,537
1,627
1,808
1,834
1,699
Total debt
–
–
–
–
–
–
Equity
5,464
4,229
4,810
5,107
5,872
6,098
Dividend per share ($)
2.66
2.74
2.82
2.96
3.28
3.44
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value blends three models and carries a typical error of about 40%, so treat it as a range. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.