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Assurant, Inc. AIZ SPXR3KFINANCIAL

Financial Services · Insurance - Property & Casualty · United States
https://www.assurant.com
Company Profile ↓
$288.85
+37.29% 1Y
Mkt Cap$14.25B
P/E13.83
P/B2.16
Div. Yield1.32%
52W High$300.64
52W Low$202.50
Book Value$123.48
EPS (TTM)$20.89

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 18.3%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at an undemanding P/E of 13.8.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.36.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $12.81B (+7.9% YoY); net profit $872.70M.
  • Trailing 12 Months Year-on-year growth — revenue +9.4%, earnings +30.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.5%, profit CAGR 1.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.48%
1 Year:9.40%

Compounded Profit Growth

5 Years:1.71%
1 Year:30.50%

Stock Price Performance

1 Year:+37.29%
6 Months:+26.15%
3 Months:+4.62%
1 Month:+8.20%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 88% of range
$202.50 $300.64
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)65.42 · Neutral
Price Performance
1M+8.20%
3M+4.62%
6M+26.15%
1Y+37.29%
Valuation vs Sector

P/E of 13.83 is above the sector median of 13.71 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • 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.

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Valuation

Stock P/E
13.83
Industry PE
13.71
Forward P/E
12.33
PEG Ratio
2.16
Book Value
$123.48
Price to Book
2.16
P/S
0.98
EV/EBITDA
7.67
Dividend Yield
1.32%

Growth (CAGR)

Revenue 5Y
2.48%
Profit 5Y
1.71%
Revenue (YoY)
9.40%
Earnings (YoY)
30.50%

Profitability & Returns

ROCE
-
ROE
18.34%
ROA
2.56%
Profit Margin
7.90%
Op Margin
11.73%
Gross Margin
13.27%
EPS (Latest Qtr)
$5.95
EPS (TTM)
$20.89

Balance Sheet & Liquidity

Debt/Equity
0.36
Quick Ratio
0.15
Current Ratio
0.38
Debt
$2.21B
Total Assets
$36.08B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.70%
Chg in Prom Hold
-0.01%
FII / Inst Holding
100.16%
Chg in FII Hold
0.34%

Financial Snapshot

Enterprise Value
$14.25B
Total Revenue (TTM)
$13.46B
EBITDA
$1.74B
Free Cash Flow
$2.15B
Operating Cash Flow
$1.87B
Shares Outstanding
49.32M
Gross Margin
13.27%
Payout Ratio
16.47%

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. SPXR3KFINANCIAL 288.85 13.83 $14.25B 1.32% - 18.34% 2.48% 1.71%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 336.54 14.43 $894.59B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 546.97 13.76 $770.15B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 414.34 35.23 $706.08B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 633.21 34.87 $550.55B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 820,500.00 13.76 $400.77B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 51.08 11.80 $357.19B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 91.89 13.13 $314.52B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 183.97 14.87 $288.94B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 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 2026Jun 2026
Revenue 1.80B1.83B1.75B1.55B1.60B1.59B1.68B1.64B1.83B2.27B2.32B2.44B2.55B2.50B2.61B2.45B2.35B2.38B2.42B2.43B2.54B2.64B2.57B2.48B2.51B2.55B2.65B2.64B2.73B2.77B2.88B2.92B--3.07B3.16B3.23B3.35B3.42B3.45B
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 169.30M144.40M31.30M143.80M120.20M-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--146.60M235.30M265.60M225.20M274.10M298.60M
Diluted EPS 2.702.370.542.532.16-1.055.761.961.090.760.322.522.21-0.961.982.432.81-0.582.232.513.3614.792.092.650.950.141.272.122.903.544.473.58--2.834.565.174.415.415.95

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

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 3.83B4.09B3.71B4.71B4.63B4.87B5.19B4.83B5.18B4.52B4.10B4.27B5.11B5.65B5.95B-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 % 16.0%12.1%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
0.70%
Institutions
100.16%
Public Float
100.87%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.16% 5.01M $1.33B
2 Bank Of New York Mellon Corporation 9.59% 4.73M $1.26B
3 Vanguard Capital Management LLC 6.56% 3.24M $862.61M
4 Vanguard Portfolio Management LLC 5.75% 2.84M $755.85M
5 State Street Corporation 5.15% 2.54M $677.39M
6 T. Rowe Price Investment Management, Inc. 4.92% 2.43M $646.83M
7 Geode Capital Management, LLC 2.87% 1.42M $377.67M
8 Invesco Ltd. 2.49% 1.23M $326.91M
9 Dimensional Fund Advisors LP 2.43% 1.20M $319.60M
10 Price (T.Rowe) Associates Inc 2.32% 1.14M $304.77M

Analyst View

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Latest News

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AIZ — Frequently Asked Questions

What is the current share price of Assurant, Inc. (AIZ)?

As of 2026-10-22 16:30 PDT, Assurant, Inc. (AIZ) trades at $288.85 on NYSE. Its 52-week range is $202.50 to $300.64.

What is the market capitalisation of AIZ?

Assurant, Inc. (AIZ) has a market capitalisation of $14.25B on NYSE.

What is the P/E ratio of AIZ?

AIZ trades at a trailing price-to-earnings (P/E) ratio of 13.83. The industry average P/E is 13.71. Its price-to-book (P/B) ratio is 2.16.

Does AIZ pay a dividend?

Assurant, Inc. (AIZ) currently offers a dividend yield of 1.32%.

What is the return on equity (ROE) of AIZ?

AIZ has a return on equity (ROE) of 18.34%.

Is AIZ a good stock to buy?

This page provides a data-driven analysis of Assurant, Inc. (AIZ), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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