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Assurant (AIZ)
NYSE:AIZ
US Market
AIZ
Assurant
RESEARCH TOOLSreports

Assurant (AIZ) Ratios

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558 Followers

Assurant Ratios

AIZ's free cash flow for Q4 2025 was $0.79. For the 2025 fiscal year, AIZ's free cash flow was decreased by $ and operating cash flow was $0.09. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.55 0.55 0.79 0.00 0.00
Quick Ratio
 0.55 0.55 0.79 0.00 0.00
Cash Ratio
 0.08 0.08 0.08 0.00 0.00
Solvency Ratio
 0.04 0.04 0.03 0.03 0.02
Operating Cash Flow Ratio
 0.08 0.08 0.06 0.00 0.00
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 2.66
Net Current Asset Value
$ -17.27B$ -17.27B$ -10.89B$ -28.83B$ -28.89B
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.06 0.06 0.06 0.06
Debt-to-Equity Ratio
 0.38 0.38 0.41 0.43 0.50
Debt-to-Capital Ratio
 0.27 0.27 0.29 0.30 0.33
Long-Term Debt-to-Capital Ratio
 0.27 0.27 0.29 0.30 0.31
Financial Leverage Ratio
 6.18 6.18 6.86 6.99 7.83
Debt Service Coverage Ratio
 11.23 11.23 10.19 8.77 1.70
Interest Coverage Ratio
 9.91 9.91 8.67 7.47 3.23
Debt to Market Cap
 0.21 0.18 0.19 0.23 0.31
Interest Debt Per Share
 46.15 45.90 41.93 40.94 41.16
Net Debt to EBITDA
 0.26 0.26 0.22 0.41 0.93
Profitability Margins
Gross Profit Margin
77.15%77.15%76.71%77.35%76.85%
EBIT Margin
9.34%9.34%8.71%8.22%4.50%
EBITDA Margin
11.29%11.29%10.59%9.98%6.28%
Operating Profit Margin
8.49%8.49%7.81%7.25%3.43%
Pretax Profit Margin
8.49%8.49%7.81%7.25%3.43%
Net Profit Margin
6.81%6.81%6.40%5.77%2.71%
Continuous Operations Profit Margin
6.81%6.81%6.40%5.77%2.71%
Net Income Per EBT
80.26%80.26%81.98%79.64%79.05%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
2.40%2.40%2.17%1.91%0.84%
Return on Equity (ROE)
15.61%14.86%14.89%13.36%6.54%
Return on Capital Employed (ROCE)
8.77%8.77%8.39%2.40%1.06%
Return on Invested Capital (ROIC)
7.04%7.04%6.87%0.00%123.10%
Return on Tangible Assets
3.81%3.81%3.48%2.12%0.93%
Earnings Yield
8.21%7.18%6.83%7.13%4.07%
Efficiency Ratios
Receivables Turnover
 1.49 1.49 1.22 1.25 1.08
Payables Turnover
 1.39 1.39 0.95 1.04 0.87
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 15.22 15.22 15.46 16.23 15.80
Asset Turnover
 0.35 0.35 0.34 0.33 0.31
Working Capital Turnover Ratio
 -1.22 -1.63 -1.52 0.00 0.00
Cash Conversion Cycle
 -17.10 -17.10 -84.44 -57.85 -81.24
Days of Sales Outstanding
 244.85 244.85 300.05 292.31 336.81
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 261.95 261.95 384.49 350.16 418.05
Operating Cycle
 244.85 244.85 300.05 292.31 336.81
Cash Flow Ratios
Operating Cash Flow Per Share
 36.53 36.34 25.52 21.29 10.98
Free Cash Flow Per Share
 31.84 31.67 21.28 17.50 7.55
CapEx Per Share
 4.69 4.67 4.24 3.79 3.43
Free Cash Flow to Operating Cash Flow
 0.87 0.87 0.83 0.82 0.69
Dividend Paid and CapEx Coverage Ratio
 4.54 4.54 3.53 3.21 1.77
Capital Expenditure Coverage Ratio
 7.79 7.79 6.02 5.62 3.20
Operating Cash Flow Coverage Ratio
 0.83 0.83 0.64 0.55 0.28
Operating Cash Flow to Sales Ratio
 0.14 0.14 0.11 0.10 0.06
Free Cash Flow Yield
15.06%13.15%9.98%10.39%6.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.19 13.93 14.65 14.02 24.58
Price-to-Sales (P/S) Ratio
 0.83 0.95 0.94 0.81 0.67
Price-to-Book (P/B) Ratio
 1.81 2.07 2.18 1.87 1.61
Price-to-Free Cash Flow (P/FCF) Ratio
 6.64 7.60 10.02 9.63 16.56
Price-to-Operating Cash Flow Ratio
 5.80 6.63 8.36 7.91 11.39
Price-to-Earnings Growth (PEG) Ratio
 3.37 0.74 0.70 0.10 -0.48
Price-to-Fair Value
 1.81 2.07 2.18 1.87 1.61
Enterprise Value Multiple
 7.59 8.66 9.07 8.51 11.55
Enterprise Value
 10.98B 12.53B 11.41B 9.46B 7.39B
EV to EBITDA
 7.59 8.66 9.07 8.51 11.55
EV to Sales
 0.86 0.98 0.96 0.85 0.73
EV to Free Cash Flow
 6.87 7.84 10.27 10.11 18.01
EV to Operating Cash Flow
 5.99 6.83 8.56 8.31 12.39
Tangible Book Value Per Share
 -149.10 -148.29 -153.89 28.99 13.32
Shareholders’ Equity Per Share
 116.97 116.34 97.77 89.97 77.77
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.18 0.20 0.21
Revenue Per Share
 255.28 253.90 227.40 208.24 187.47
Net Income Per Share
 17.39 17.29 14.55 12.02 5.09
Tax Burden
 0.80 0.80 0.82 0.80 0.79
Interest Burden
 0.91 0.91 0.90 0.88 0.76
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 2.10 2.10 1.75 1.77 2.16
Currency in USD