Assurant (AIZ) AI Stock Analysis

• Market Cap: $11.25B
• Dividend Yield: 1.4%
• Average Volume (3M): 293.81K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 0.56
• Revenue Growth: 6.91%
• EPS Growth: 17.60%
• Country: US
• Employees: 14,200
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Specialty
• EPS (TTM): 5.76
• Shares Outstanding: 50,081,110
• 10 Day Avg. Volume: 305,001
• 30 Day Avg. Volume: 293,807
• PEG Ratio: 0.70
• Price to Book (P/B): 2.18
• Price to Sales (P/S): 0.94
• P/FCF Ratio: 10.02
• Enterprise Value/Market Cap: 1.18
• Enterprise Value/Revenue: 1.06
• Enterprise Value/Gross Profit: 1.38
• Enterprise Value/Ebitda: 9.49
• 1Y Price Target: $252.00
• Price Target Upside: 12.19% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): 20.18
• Revenue Forecast (FY): $12.77B

• Rating: 73 Outperform
• Price Target: $239.00 ▲(6.40% Upside)

Assurant's overall stock score reflects strong financial performance and positive earnings call outcomes, which are the most significant factors. The company shows solid growth in key segments and has upgraded its financial outlook. However, technical analysis presents mixed signals, and cash flow management needs improvement. Valuation metrics suggest the stock is fairly valued, providing a balanced investment opportunity.

Positive Factors

Revenue Growth

Exceeding revenue estimates indicates strong market demand and effective strategy execution, supporting long-term growth prospects.

Strategic Partnerships

These partnerships enhance product offerings and distribution channels, strengthening competitive positioning and driving future revenue.

Segment Performance

Strong performance in key segments reflects effective business strategy and positions Assurant for sustained profitability and market leadership.

Negative Factors

Cash Flow Management

Weak cash flow growth can limit liquidity and investment capacity, potentially hindering long-term operational and strategic flexibility.

Corporate Segment Losses

Ongoing losses in the corporate segment could strain resources and affect overall profitability, impacting long-term financial health.

Foreign Exchange Impact

Adverse foreign exchange impacts can affect international earnings, adding volatility to financial results and complicating financial planning.

Assurant Business Overview & Revenue Model

Company Description

Assurant, Inc. (AIZ) is a global provider of risk management solutions, specializing in insurance products and related services across various sectors. The company operates primarily in three segments: Global Housing, Global Lifestyle, and Global Automotive. Assurant offers a wide range of products, including property insurance, mobile device protection, extended service contracts, and vehicle service contracts, catering to both consumers and businesses.

How the Company Makes Money

Assurant generates revenue through multiple key streams. Its Global Housing segment derives income from property and casualty insurance policies, predominantly in the rental market, providing coverage for landlords and tenants. The Global Lifestyle segment earns revenue by offering protection plans for mobile devices, appliances, and consumer electronics, as well as extended warranty services. The Global Automotive segment focuses on vehicle service contracts and related products, capturing revenue from automotive dealers and consumers. Additionally, Assurant benefits from strategic partnerships with leading retailers and service providers, enhancing its distribution capabilities and expanding its customer base. The company's revenue is further supported by the effective management of its investment portfolio, which generates income through interest and investment gains.

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. The company is well-positioned in the insurance industry, but attention to cash flow dynamics is advisable.

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	12.57B	11.88B	11.13B	10.19B	10.19B	9.61B
Gross Profit	9.69B	9.11B	8.61B	7.83B	4.15B	3.66B
EBITDA	1.40B	1.26B	1.11B	640.20M	1.05B	824.90M
Net Income	848.80M	760.20M	642.50M	276.60M	1.36B	440.80M
Balance Sheet
Total Assets	35.78B	35.02B	33.64B	33.12B	33.92B	44.65B
Cash, Cash Equivalents and Short-Term Investments	0.00	4.19B	3.73B	7.98B	9.50B	9.32B
Total Debt	2.21B	2.08B	2.08B	2.13B	2.20B	2.25B
Total Liabilities	30.02B	29.91B	28.83B	28.89B	28.46B	38.70B
Stockholders Equity	5.76B	5.11B	4.81B	4.23B	5.46B	5.95B
Cash Flow
Free Cash Flow	1.02B	1.11B	935.60M	410.60M	594.30M	1.22B
Operating Cash Flow	1.27B	1.33B	1.14B	596.90M	781.70M	1.34B
Investing Cash Flow	-983.00M	-657.80M	-637.70M	-262.10M	157.60M	-735.20M
Financing Cash Flow	-387.70M	-477.50M	-403.90M	-818.40M	-1.09B	-264.80M

Assurant Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 224.62
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 224.62 is above the 20-day moving average (MA) of 218.55, above the 50-day MA of 215.82, and above the 200-day MA of 203.58, indicating a bullish trend. The MACD of 3.57 indicates Negative momentum. The RSI at 59.98 is Neutral, neither overbought nor oversold. The STOCH value of 56.60 is Neutral, 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
MTG	78 Outperform	$6.18B	8.87	14.40%	2.01%	2.20%	9.90%
FNF	74 Outperform	$15.50B	13.31	14.22%	3.51%	3.91%	55.78%
AIZ	73 Outperform	$11.25B	13.75	15.41%	1.40%	6.91%	17.60%
ESNT	73 Outperform	$6.10B	9.02	12.35%	1.99%	2.78%	-0.50%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RYAN	64 Neutral	$14.52B	431.95	11.16%	0.85%	22.77%	-34.97%
FAF	60 Neutral	$6.40B	13.50	9.28%	3.47%	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.