Assurant (AIZ) AI Stock Analysis

• Market Cap: $10.52B
• Dividend Yield: 1.53%
• Average Volume (3M): 416.35K
• Price to Earnings (P/E): 15.1
• Beta (1Y): 0.66
• Revenue Growth: 6.42%
• EPS Growth: -7.74%
• Country: US
• Employees: 14,200
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Specialty
• EPS (TTM): 5.10
• Shares Outstanding: 50,459,210
• 10 Day Avg. Volume: 325,263
• 30 Day Avg. Volume: 416,350
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.17
• Enterprise Value/Revenue: 1.00
• Enterprise Value/Gross Profit: 1.31
• Enterprise Value/Ebitda: 10.06
• 1Y Price Target: $239.50
• Price Target Upside: 14.32% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 77 Outperform
• Price Target: $243.00 ▲(15.99% Upside)

Assurant's overall stock score reflects strong financial performance and positive earnings call insights, supported by bullish technical indicators. The company's strategic initiatives and corporate events further bolster its market position, though attention to cash flow management and external economic challenges is advisable.

Positive Factors

Strong Financial Performance

Assurant's robust financial performance, with significant growth in adjusted EBITDA and EPS, indicates strong operational efficiency and market demand, supporting long-term growth prospects.

Strategic Acquisitions and Partnerships

Strategic acquisitions and partnerships enhance Assurant's market position and service offerings, driving sustainable growth and competitive advantage in key segments.

Operational Efficiency and Leadership

The appointment of a new COO with a focus on operational efficiency and technology roadmap is likely to improve Assurant's operational capabilities and support long-term strategic goals.

Negative Factors

Cash Flow Management Concerns

Declining free cash flow growth could impact Assurant's liquidity and ability to invest in growth opportunities, posing a risk to financial flexibility and long-term stability.

Impact of External Economic Challenges

External economic challenges like tariffs and inflation could pressure Assurant's margins and profitability, affecting its competitive positioning and financial performance over time.

Investment Income Volatility

Volatility in investment income can create unpredictability in earnings, impacting Assurant's financial results and potentially hindering long-term financial planning and stability.

Assurant Business Overview & Revenue Model

Company Description

Assurant, Inc. (AIZ) is a global provider of risk management solutions, specializing in insurance and related services across various sectors, including housing, automotive, and consumer electronics. The company operates primarily through three segments: Global Housing, Global Lifestyle, and Global Preneed, offering products such as renters insurance, extended warranty plans, and pre-need funeral insurance. Assurant focuses on delivering innovative solutions to help clients protect their assets and manage risks effectively.

How the Company Makes Money

Assurant generates revenue primarily through premiums collected from its insurance products and fees for services provided. Key revenue streams include premiums from property and casualty insurance policies, fees associated with extended service contracts, and income from investment returns on reserves. The company also benefits from partnerships with leading retailers, manufacturers, and service providers, allowing it to offer tailored insurance solutions and warranty products. Additionally, Assurant's focus on technology-driven services and customer-centric offerings enhances customer retention and drives growth, contributing to its overall earnings.

Assurant Financial Statement Overview

Summary

Assurant demonstrates solid financial health with consistent revenue growth and strong profitability margins. The balance sheet is stable with manageable leverage, though cash flow management could be improved to enhance liquidity.

Income Statement

Assurant's income statement shows a stable revenue growth trend with a TTM revenue growth rate of 1.93%. The gross profit margin remains strong at 76.04%, indicating efficient cost management. However, the net profit margin has slightly decreased to 5.83% in the TTM, reflecting some pressure on profitability. The EBIT and EBITDA margins are healthy, suggesting solid operational performance.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio of 0.38, indicating a balanced approach to leveraging. Return on equity is robust at 13.60%, showcasing effective use of shareholder funds. The equity ratio stands at 15.47%, suggesting a stable financial structure, though there is room for improvement in asset utilization.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth by 28.62% in the TTM, which could be a concern for liquidity. The operating cash flow to net income ratio is low, indicating potential challenges in converting income into cash. However, the free cash flow to net income ratio is strong at 93.73%, reflecting good cash generation relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	12.30B	11.88B	11.13B	10.19B	10.19B	9.59B
Gross Profit	9.36B	9.11B	8.61B	10.19B	10.19B	9.59B
EBITDA	1.22B	1.26B	1.12B	639.00M	1.05B	20.00B
Net Income	717.00M	760.20M	642.50M	276.60M	613.50M	440.80M
Balance Sheet
Total Assets	35.53B	35.02B	33.64B	33.12B	33.91B	44.65B
Cash, Cash Equivalents and Short-Term Investments	9.56B	8.98B	8.54B	7.98B	9.50B	9.32B
Total Debt	2.08B	2.08B	2.08B	2.13B	2.20B	2.25B
Total Liabilities	30.03B	29.91B	28.83B	28.90B	28.42B	38.70B
Stockholders Equity	5.50B	5.11B	4.81B	4.23B	5.49B	5.95B
Cash Flow
Free Cash Flow	1.12B	1.11B	935.60M	410.60M	594.30M	1.22B
Operating Cash Flow	1.20B	1.33B	1.14B	596.90M	781.70M	1.34B
Investing Cash Flow	-920.70M	-657.80M	-637.70M	-262.10M	157.60M	-735.20M
Financing Cash Flow	-523.50M	-477.50M	-403.90M	-818.40M	-1.09B	-264.80M

Assurant Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 209.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AIZ, the sentiment is Positive. The current price of 209.5 is below the 20-day moving average (MA) of 212.87, above the 50-day MA of 201.46, and above the 200-day MA of 202.47, indicating a neutral trend. The MACD of 1.43 indicates Positive momentum. The RSI at 50.70 is Neutral, neither overbought nor oversold. The STOCH value of 16.31 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AIZ.

Assurant Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACT	84 Outperform	5.57B	8.57	13.77%	2.09%	3.15%	5.70%
ESNT	81 Outperform	6.26B	9.11	12.60%	1.90%	4.79%	-0.76%
RDN	78 Outperform	4.70B	8.69	0.00%	2.91%	0.24%	3.14%
MTG	77 Outperform	6.45B	9.14	14.75%	1.93%	3.26%	12.70%
AIZ	77 Outperform	$10.52B	15.09	13.65%	1.53%	6.42%	-7.74%
FAF	65 Neutral	6.80B	36.39	3.68%	3.23%	14.28%	-2.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Assurant Corporate Events

Assurant Completes $300 Million Senior Notes Offering

On August 18, 2025, Assurant, Inc. announced the closing of a public offering of $300 million in 5.550% Senior Notes due 2036. The company plans to use the net proceeds of approximately $296 million to redeem its $175 million 6.100% Senior Notes due 2026 and for general corporate purposes, enhancing its financial flexibility and potentially improving its market position.

Assurant Appoints New COO to Drive Growth

On August 12, 2025, Assurant announced the appointment of Michael P. Campbell as Executive Vice President and Chief Operating Officer, effective September 15, 2025. Campbell, who joined Assurant in 2006, has held various leadership roles, most recently as President of Global Housing. His new role will focus on enhancing operational efficiency and accelerating the company’s technology roadmap. Ryan Lumsden will succeed Campbell as EVP and President of Global Housing, bringing extensive experience in financial services and leadership roles at Assurant. These strategic appointments are part of Assurant’s commitment to enterprise transformation and long-term growth.

Assurant COO Francesca L. Luthi Announces Resignation

Francesca L. Luthi, Executive Vice President and Chief Operating Officer of Assurant, Inc., announced her resignation effective September 15, 2025, for personal reasons. She will continue to support the transition until January 4, 2026. The company’s Compensation and Talent Committee adjusted her performance stock units to acknowledge her contributions, requiring her to remain employed through December 31, 2025. This decision impacts her vesting schedule and forfeits certain equity awards, while she continues to participate in the company’s compensation and benefits programs.

Assurant Secures New $500M Credit Facility Agreement

On June 18, 2025, Assurant, Inc. entered into a third amended and restated credit agreement with certain lenders, establishing a $500 million five-year senior unsecured revolving credit facility. This new facility replaces a previous one set to expire in December 2026, and it will now expire in June 2030. The facility allows for revolving loans and the issuance of letters of credit, with a sublimit of $50 million for letters of credit, and can be increased to $750 million under certain conditions. This move is aimed at supporting general corporate purposes and includes customary covenants and events of default, with fees and expenses paid by the company in connection with obtaining the facility.

Assurant Stockholders Approve Charter Amendments at Annual Meeting

On May 21, 2025, Assurant, Inc. held its annual meeting where stockholders approved amendments to the company’s charter, enabling stockholders to call special meetings, limiting officer liability, and modernizing the charter. These changes, effective upon filing, aim to enhance corporate governance and align with Delaware law. Additionally, the company eliminated its 6.50% Series D Mandatory Convertible Preferred Stock, converting all shares to common stock. Stockholders also voted on several proposals, including electing directors and approving executive compensation, with most proposals passing except for a stockholder proposal to allow shareholders to call special meetings.