Assurant (AIZ) AI Stock Analysis

• Market Cap: $10.50B
• Dividend Yield: 1.54%
• Average Volume (3M): 304.59K
• Price to Earnings (P/E): 15.1
• Beta (1Y): 0.68
• 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: 258,233
• 30 Day Avg. Volume: 304,593
• 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: $246.00
• Price Target Upside: 18.21% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 7

• Rating: 73 Outperform
• Price Target: $232.00 ▲(11.48% Upside)

Assurant's strong earnings call and solid financial performance are the most significant factors driving the score. The company's optimistic guidance and strategic growth initiatives are positive indicators. However, technical analysis suggests potential short-term bearish momentum, and cash flow management could be improved.

Positive Factors

Strategic Acquisitions

Acquiring OptoFidelity's technology enhances Assurant's capabilities in mobile device testing, supporting growth in the Global Lifestyle segment and strengthening its competitive edge in technology-driven services.

Revenue Growth

Significant growth in the Global Housing segment demonstrates strong demand for Assurant's products, contributing to overall revenue growth and reinforcing its market position in the insurance industry.

Cash Generation

Strong cash generation provides Assurant with the financial flexibility to invest in growth opportunities, return capital to shareholders, and maintain a stable financial position.

Negative Factors

Cash Flow Management

A decline in free cash flow growth indicates potential liquidity challenges, which could impact Assurant's ability to fund operations and strategic initiatives without relying on external financing.

Investment Income Volatility

Volatility in investment income can lead to unpredictable earnings, affecting Assurant's financial stability and potentially impacting investor confidence in the company's long-term performance.

Expense Ratio Concerns

A high expense ratio in the Global Housing segment suggests inefficiencies that could pressure profitability, necessitating improvements in operational leverage to sustain long-term growth.

Assurant Business Overview & Revenue Model

Company Description

Assurant, Inc., together with its subsidiaries, provides lifestyle and housing solutions that support, protect, and connect consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company operates through two segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service products and related services for mobile devices, consumer electronics, and appliances; vehicle protection and related services; and credit protection and other insurance products. The Global Housing segment provides lender-placed homeowners insurance, manufactured housing, and flood insurance; and renters insurance and related products, as well as voluntary manufactured housing insurance, voluntary homeowners insurance, and other specialty 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 New York, New York.

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: Neutral
• Last Price: 208.11
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AIZ, the sentiment is Neutral. The current price of 208.11 is below the 20-day moving average (MA) of 214.20, below the 50-day MA of 213.59, and above the 200-day MA of 202.71, indicating a neutral trend. The MACD of -1.17 indicates Positive momentum. The RSI at 41.43 is Neutral, neither overbought nor oversold. The STOCH value of 26.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AIZ.

Assurant Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MTG	―	$6.08B	8.77	14.85%	1.97%	3.26%	12.70%
ESNT	―	$5.88B	8.73	12.94%	2.03%	4.79%	-0.76%
AIZ	―	$10.50B	15.05	13.65%	1.54%	6.42%	-7.74%
FNF	―	$14.93B	14.16	14.20%	3.64%	7.25%	17.55%
RYAN	―	$13.94B	2,299.13	9.44%	0.92%	22.21%	-30.67%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FAF	―	$6.25B	13.50	9.28%	3.54%	25.99%	426.44%

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.

The most recent analyst rating on (AIZ) stock is a Buy with a $240.00 price target. To see the full list of analyst forecasts on Assurant stock, see the AIZ Stock Forecast page.

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.

The most recent analyst rating on (AIZ) stock is a Buy with a $240.00 price target. To see the full list of analyst forecasts on Assurant stock, see the AIZ Stock Forecast page.

Assurant’s Earnings Call Highlights Robust Growth

Assurant’s recent earnings call painted a positive picture of the company’s financial health, showcasing robust growth despite some challenges. The sentiment was overwhelmingly optimistic, driven by double-digit growth in key metrics and successful expansions in the Global Housing and Lifestyle segments. Although there were concerns about foreign exchange impacts and tariff-related pull-forwards, the overall mood remained upbeat as the positives significantly outweighed the negatives.

Assurant Reports Strong Q2 2025 Results and Raises Outlook

Assurant, Inc. is a global protection company that partners with leading brands to safeguard connected devices, homes, and automobiles, operating primarily in the insurance sector with a focus on data-driven technology solutions. In its latest earnings report for the second quarter of 2025, Assurant announced a strong financial performance, with significant growth in key areas and an optimistic outlook for the remainder of the year. The company reported a 25% increase in GAAP net income to $235.3 million, driven by growth in its Global Housing and Global Lifestyle segments, alongside a 19% rise in Adjusted EBITDA to $386.0 million. Excluding reportable catastrophes, Adjusted EBITDA saw a 13% increase, highlighting the company’s resilience and strategic growth initiatives. Assurant’s Global Lifestyle segment experienced a 6% increase in Adjusted EBITDA, fueled by growth in mobile protection and automotive services, while Global Housing saw a 33% rise, benefiting from improved loss experience and top-line growth. Looking ahead, Assurant expects to achieve nearly 10% growth in adjusted earnings per share and mid- to high single-digit growth in Adjusted EBITDA, excluding catastrophes, reflecting confidence in its strategic direction and market position.