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Assurant, Inc. AIZ SPX

Financial Services · Insurance - Property & Casualty · United States
https://www.assurant.com

Assurant, Inc. provides protection services to connected devices, homes, and automobiles in North America, Latin America, Europe, and the Asia Pacific. It operates through Global Lifestyle and Global Housing segments. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; and vehicle protection, commercial equipment protection, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and other products; and voluntary manufactured housing, and condominium and homeowners insurance products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in Atlanta, Georgia.

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$248.87
+24.53% 1Y

Market & Price

Market Cap
$12.33B
Current Price
$248.87
High / Low (52W)
$258.17 / $182.42
Beta
0.56

Valuation

Stock P/E
12.76
Industry PE
12.01
Forward P/E
11.08
PEG Ratio
2.16
Book Value
$118.17
Price to Book
2.11
P/S
0.94
EV/EBITDA
7.70
Dividend Yield
1.41%

Profitability & Returns

ROCE
-
ROE
18.02%
ROA
2.44%
Profit Margin
7.60%
Op Margin
10.64%
EPS (Latest Qtr)
$5.41
EPS (TTM)
$19.51

Balance Sheet & Liquidity

Debt/Equity
0.38
Quick Ratio
0.14
Current Ratio
0.39
Debt
$2.21B
Total Assets
$36.29B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.72%
Chg in Prom Hold
0.00%
FII / Inst Holding
97.50%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$12.62B
Total Revenue (TTM)
$13.16B
EBITDA
$1.64B
Free Cash Flow
$2.03B
Operating Cash Flow
$1.68B
Shares Outstanding
49.55M
Gross Margin
12.75%
Payout Ratio
17.22%

Growth (CAGR)

Revenue 5Y
7.93%
Profit 5Y
46.67%
Revenue (YoY)
11.30%
Earnings (YoY)
91.20%

PROS

  • Profit CAGR of 46.7% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AIZ Assurant, Inc. SPX 248.87 12.76 $12.33B 1.41% - 18.02% 7.93% 46.67%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 2.15B1.80B1.83B1.75B1.55B1.60B1.59B1.68B1.64B1.83B2.27B2.32B2.44B2.55B2.50B2.61B2.45B2.35B2.38B2.42B2.43B2.54B2.64B2.57B2.48B2.51B2.55B2.65B2.64B2.73B2.77B2.88B2.92B--3.07B3.16B3.23B3.35B3.42B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income -----------------------------------210.50M315.70M359.10M311.80M363.90M
EBITDA ----------------------------------------
Interest Expense -----------------------------------26.80M26.70M27.90M28.30M28.30M
Pretax Income -----------------------------------183.70M289.00M331.20M283.50M335.60M
Tax Provision -----------------------------------37.10M53.70M65.60M58.30M61.50M
Net Income 220.40M169.30M144.40M31.30M143.80M120.20M-57.30M312.90M106.00M67.00M53.00M20.30M165.70M144.10M-54.80M-154.70M178.10M-30.20M-163.00M205.80M879.80M-149.00M52.20M7.30M-113.60M156.30M190.10M236.40M188.70M--146.60M235.30M265.60M225.20M274.10M
Diluted EPS 3.342.702.370.542.532.16-1.055.761.961.090.760.322.522.21-0.961.982.432.81-0.582.232.513.3614.792.092.650.950.141.272.122.903.544.473.58--2.834.565.174.415.41

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 8.45B8.60B8.70B8.53B8.27B8.51B9.05B10.38B10.33B7.53B6.42B8.06B9.57B9.60B-10.19B11.13B11.88B12.81B
Cost of Revenue -------------------
Gross Profit -------------------
Operating Expenses -------------------
Operating Income ---------------458.20M914.80M1.03B1.20B
EBITDA -------------------
Interest Expense ---------------108.30M108.00M107.00M109.70M
Pretax Income ---------------349.90M806.80M927.30M1.09B
Tax Provision ---------------73.30M164.30M167.10M214.70M
Net Income 653.75M447.80M430.57M278.61M538.96M483.70M488.91M470.91M141.60M565.40M519.60M251.00M382.60M440.80M-276.60M642.50M760.20M872.70M
Diluted EPS 5.383.763.632.505.515.676.306.442.059.139.393.985.846.98-5.0511.9514.4616.93

Compounded Sales Growth

5 Years:7.93%
1 Year:11.30%

Compounded Profit Growth

5 Years:46.67%
1 Year:91.20%

Stock Price Performance

1 Year:+24.53%
6 Months:+9.94%
3 Months:+8.40%
1 Month:+6.95%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2006Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --24.51B25.86B26.35B27.02B28.95B29.71B31.56B30.04B29.71B31.84B41.09B44.29B44.65B-33.12B33.64B35.02B36.29B
Current Assets --------------------
Cash & Equivalents 987.67M804.96M1.04B1.32B1.15B1.17B909.40M1.72B1.32B1.29B1.03B996.80M1.25B1.87B2.21B-1.54B1.63B1.81B1.83B
Inventory --------------------
Receivables ----------------9.30B8.85B9.55B8.39B
Total Liabilities --20.81B21.01B21.71B22.15B23.76B24.88B26.38B25.51B25.61B27.56B35.96B38.61B38.70B-28.89B28.83B29.91B30.42B
Current Liabilities --------------------
Long Term Debt -----------1.07B2.01B2.01B--1.91B2.08B2.08B2.21B
Total Debt ----------------2.13B2.08B2.08B2.21B
Total Equity ---4.71B4.63B4.87B5.19B4.83B5.18B4.52B4.10B4.27B5.11B5.65B5.95B-4.23B4.81B5.11B5.87B
Shares Outstanding ----------------55.13M54.25M53.13M52.09M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 1.20B999.13M269.93M540.74M855.30M679.70M--229.90M108.60M530.40M656.70M1.41B1.34B-596.90M1.14B1.33B1.83B
Investing Cash Flow -1.21B-329.00M141.47M-8.88M-196.59M-449.88M--264.30M725.60M-541.20M-2.20B-619.80M-735.20M--262.10M-637.70M-657.80M-1.46B
Financing Cash Flow -186.58M-412.13M-142.56M-699.47M-636.85M-480.64M---462.40M-1.08B-26.70M1.84B-179.20M-264.80M--818.40M-403.90M-477.50M-364.20M
Capital Expenditure -58.68M-56.07M-55.88M-51.21M-35.75M-56.46M-52.33M-83.60M-114.90M-85.20M-62.10M-82.80M-110.30M-121.20M--186.30M-202.50M-221.30M-235.50M
Free Cash Flow 1.14B943.07M214.04M489.53M819.56M623.24M--115.00M23.40M468.30M573.90M1.30B1.22B-410.60M935.60M1.11B1.60B
Net Change in Cash ----------------483.60M96.50M197.40M11.90M
Share Buybacks 315.57M59.00M31.95M522.55M533.85M412.20M393.01M215.18M292.90M863.10M388.90M139.30M271.80M297.00M839.30M572.80M193.10M307.40M303.70M
Dividends Paid 55.04M63.67M69.60M69.62M67.39M69.39M74.13M77.50M94.20M125.30M119.00M--------

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------------
Operating Margin % ---------------4.5%8.2%8.7%9.3%
Net Margin % 7.7%5.2%4.9%3.3%6.5%5.7%5.4%4.5%1.4%7.5%8.1%3.1%4.0%4.6%-2.7%5.8%6.4%6.8%
ROE % --9.1%6.0%11.1%9.3%10.1%9.1%3.1%13.8%12.2%4.9%6.8%7.4%-6.5%13.4%14.9%14.9%
ROCE % -------------------

Shareholding Pattern

Insiders
0.72%
Institutions
97.50%
Public Float
98.20%

Top Institutional Holders

#Holder% HeldSharesValue
1 Bank Of New York Mellon Corporation 9.72% 4.82M $1.20B
2 Blackrock Inc. 7.96% 3.95M $982.01M
3 T. Rowe Price Investment Management, Inc. 6.60% 3.27M $814.31M
4 Vanguard Capital Management LLC 6.55% 3.24M $807.21M
5 Vanguard Portfolio Management LLC 6.07% 3.01M $748.64M
6 State Street Corporation 5.11% 2.53M $629.99M
7 Geode Capital Management, LLC 2.84% 1.41M $350.11M
8 Invesco Ltd. 2.48% 1.23M $305.23M
9 Price (T.Rowe) Associates Inc 2.31% 1.15M $285.33M
10 Dimensional Fund Advisors LP 2.27% 1.13M $280.08M

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