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Assurant, Inc. (AIZN) stock analysis

AIZNNYSEInsurance Carriers, NECFiscal year ends December 31Also trades as AIZ
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026Score 15/3023% above fair value
$16.47−0.31 (-1.85%)

Close on Oct 30, 2026Market cap $14.44BP/E 13.9Yield 1.12%

StockData Score

Prices as of Oct 30, 2026How the score works

Value2Growth4Performance5Health0Dividend4

Solid15 of 30 checks passed

Assurant passes 15 of the 30 checks behind our score; 7 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
4/6
Past performance
5/6
Financial health
0/6
Dividend
4/6

What stands out

  • Return on equity over 15%

    Return on equity was 18.3% over the last twelve months and averaged 15.0% over five years.

  • Earnings grew over 5 years

    Net income grew 14.6% a year on average over the last five fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 49.7% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 48.3% over the last twelve months, against a 5-year average of 14.6% a year.

What to watch

  • Margin of safety under 20%

    The price is 23.3% above fair value, so there is no margin of safety.

  • Trading above fair value

    The share price of $292.80 is above our fair value estimate of $237.39.

  • Revenue growing under 10% a year

    Revenue grew 7.9% a year over the last three fiscal years, short of the 10% we look for.

  • P/E above the industry

    Assurant's P/E of 13.9 is above the Insurance Carriers median of 10.6.

Valuation2/6

  • P/E below its 5-year median

    Assurant's P/E of 13.9 is below its own 5-year median of 14.2.

  • P/E above the industry

    Assurant's P/E of 13.9 is above the Insurance Carriers median of 10.6.

  • P/S below the industry

    Assurant's price-to-sales of 1.07 is below the Insurance Carriers median of 1.11.

  • P/B above the industry

    Assurant's price-to-book of 2.37 is above the Insurance Carriers median of 1.55.

  • Trading above fair value

    The share price of $292.80 is above our fair value estimate of $237.39.

  • Margin of safety under 20%

    The price is 23.3% above fair value, so there is no margin of safety.

Growth4/6

  • Revenue growing under 10% a year

    Revenue grew 7.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 49.7% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 48.3% over the last twelve months, against a 5-year average of 14.6% a year.

  • Growing faster than the industry

    Revenue grew 9.4% over the last twelve months; the Insurance Carriers median is 7.8%.

  • Guidance raised

    Assurant raised its 2026 share repurchases outlook on Aug 4, 2026.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance5/6

  • Return on equity over 15%

    Return on equity was 18.3% over the last twelve months and averaged 15.0% over five years.

  • Return on assets over 1%

    Return on assets was 3.0%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Assurant's return on equity of 18.3% is above the Insurance Carriers median of 13.9%.

  • Earnings grew over 5 years

    Net income grew 14.6% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 7.9% over the last twelve months, against a 5-year average of 7.0%.

  • Net margin below the industry

    Assurant's net margin of 7.9% is below the Insurance Carriers median of 10.8%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend4/6

  • Pays a dividend

    Assurant paid dividends worth 1.2% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.2% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 4.0% or more; Assurant yields 1.2%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Covered by earnings

    Dividends take 16.6% of net income.

  • Covered by free cash flow

    Dividends take 10.7% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$237.39

The share price is 23% above this estimate.

20%+ below
Near fair value
20%+ above
$292.80Price$237.39Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E12.4×14.2×10.6×$260.9350%
P/B1.7×1.9×1.6×$213.8550%
Fair value$237.39100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 14.2
  • Insurance Carriers median 10.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$101.71M
Value traded per 1% price move
$98.77M

Downside

Low risk

Typical loss in a bad month
8.3%
Volatility (annualized)
22%
Sharpe ratio, 1 year
1.63
Beta to the S&P 500 (5Y)
0.60

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

6.8%+2.2 pts over 5 years