Assurant (AIZ) Stock Analysis
NYQ · Financial Services · Insurance - Property & Casualty
$264.00
-0.95 (-0.36%)
AIZ Interactive Price Chart & Trading Signals
AIZ Stock Snapshot — Valuation, Risk & Technical Signals
AIZ Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$13.02B
P/E Ratio
12.64
Forward P/E
11.27
PEG Ratio
2.16
P/B Ratio
2.14
EPS
$20.88
Dividend Yield
1.33%
52W Range
$206.03 – $303.94
Beta
0.54
Volume
0.0M
ROE
18.3%
Profit Margin
7.9%
Revenue Growth
9.4%
Gross Margin
13.3%
EV/EBITDA
7.63
Analyst Target
$330.00
The trailing price-to-earnings ratio stands at 12.6x. Forward P/E of 11.3x implies earnings expansion expected. Price-to-book is 2.14x. EV/EBITDA sits at 7.63x. Market capitalization is $13.02B. Revenue is growing at 9.4% on a trailing basis. Earnings are expanding at 30.5%. Profit margins are 7.9%. Return on equity is 18.3%. Beta of 0.54 indicates defensive profile.
Analyst Consensus
Recommendation
Strong Buy
Low Target
$320.00
Mean Target
$330.00
High Target
$355.00
Based on 6 analysts
About Assurant
Assurant, Inc. provides protection services to connected devices, homes, and automobiles in North America, Latin America, Europe, and the Asia Pacific. It operates through Global Lifestyle and Global Housing segments. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; and vehicle protection, commercial equipment protection, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and other products; and voluntary manufactured housing, and condominium and homeowners insurance 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 Atlanta, Georgia.
AIZ Deep Dive Analysis
Bottom Line
Verdict
UndervaluedBest for
Value-oriented investorsWatch out for
None flaggedNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
Assurant, Inc. (AIZ) trades below our multi-model fair value estimate of $318.77 by approximately 20.7%. Trailing P/E: 12.6x. Profitability signals include profit margin of 7.9% and return on equity of 18.3%. Recent growth metrics show revenue growth of 9.4% and earnings growth of 30.5%. Risk profile: defensive beta of 0.54. Consensus: strong_buy.
Valuation, Growth & Risk
Valuation
Undervalued
P/E 12.6x
Price sits below our estimate of fair value.
Growth
Expanding
Rev 9.4%
Revenue is outpacing the market.
Risk
Low
Beta 0.54
Movement is likely to track the broader market.
Valuation Snapshot
Assurant, Inc. (AIZ) trades below our multi-model fair value estimate of $318.77 by approximately 20.7%. The trailing price-to-earnings ratio stands at 12.6x. Forward P/E of 11.3x suggests earnings compression ahead. Price-to-sales is 1.0x. Price-to-book is 2.1x. EV/EBITDA sits at 7.6x. Market capitalization is $13.02B.
Why it matters: Buying below fair value can create a margin of safety, but always check earnings quality.
Growth & Profitability
Revenue is growing at 9.4% on a trailing basis. Earnings are expanding at 30.5%. Profit margins are 7.9%. Return on equity is 18.3%. Return on assets is 2.6%.
Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.
Risk Profile
Beta of 0.54 indicates defensive profile. Net debt position is $174.20M.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $330.00 implies 25.0% upside. Target range spans $320.00 to $355.00. 6 analysts cover the stock. Consensus recommendation: strong_buy.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
The combination of undervaluation and moderate risk may suit value-oriented investors. Free cash flow yield of 12.3% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
AIZ Undervalued
Assurant, Inc. (AIZ) trades below our multi-model fair value estimate of $318.77 by approximately 20.7%.
Frequently Asked Questions
ValuationIs AIZ stock overvalued right now?
ValuationWhat is AIZ fair value based on current fundamentals?
RiskHow risky is AIZ compared with other stocks?
GrowthIs AIZ still growing?
AnalystWhat do analysts think about AIZ?
DividendDoes AIZ pay a dividend?
CatalystWhat could change the investment case for AIZ?
Related Stocks
About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.