AIZ
Assurant
$261.58
▲ 0.7%Updated Today 7:15 PM ET
▲ Up 33.0% over the last 12 months
Market Cap
$12.88B
P/E
12.94x
Forward P/E (est.)
9.24x
ROE
17.4%
Revenue Growth
9.1%
EPS Growth
54.0%
Profit Margin
7.6%
FCF Yield
5.0%
Debt / Equity
0.38x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
1.4%
Implied Growth (rev. DCF)
-3.0%
Rating Score
63/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what AIZ's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. AIZ trades near $261.58, above its 50-day average ($242.34) and 200-day average ($228.25). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 73 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. AIZ's is $5.15 (~2.0% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month AIZ found buyers near $245.55 (support) and sellers near $265.66 (resistance); its 52-week range is $183.39–$265.66. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.9× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Assurant (AIZ) is a large-cap company in the Multi-line Insurance industry, part of the Financials sector of the S&P 500, with a market value around $12.88B.
In its latest reported year it generated about $12.81B in revenue and $872.70M in net profit.
Our model rates AIZ Favorable (63/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
5.9%
Revenue moved from $10.19B in 2021 to $12.81B in 2025, a 5.9% compound annual growth rate. The most recent year grew a steady 9.1% year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
10.3%
Net Margin
6.8%
ROE
17.4%
Assurant keeps about 7.6% of each sales dollar as net profit. Return on equity is 17.4%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$2.21B
Net Debt
$615.80M
Net Debt / EBITDA
—
Debt / Equity
0.38x
Leverage: debt-to-equity is 0.4x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $2.21B of total debt against $1.59B of cash.
Operating CF
$1.83B
Free Cash Flow
$1.60B
FCF Margin
12.5%
In the latest year Assurant produced about $1.83B of operating cash flow and $1.60B of free cash flow after capital spending. That is a free-cash-flow yield of about 5.0% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
12.94x
P/S
1.01x
P/B
2.05x
EV / EBITDA
—
AIZ trades at 12.9x trailing earnings (about 9.2x on estimated forward earnings), 1.0x sales, and 2.0x book value. Reverse-engineering today's price implies the market expects roughly -3.0% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How AIZ stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), AIZ ranks #42 of 76 by our overall rating. It trades at roughly in line versus the sector on earnings (12.9x P/E vs. 15.2x median) with a higher return on equity (17.4% vs. 15.3%) and similar revenue growth (9.1% vs. 9.1%).
P/E vs sector
12.9x
median 15.2x
ROE vs sector
17.4%
median 15.3%
Growth vs sector
9.1%
median 9.1%
Sector rank
#42
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$222.84 – $362.11
vs. $261.58 today · expected CAGR -3% – 7%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $13.97B | $15.22B | $16.59B | $18.09B | $19.72B |
| Net income | $977.73M | $1.07B | $1.16B | $1.27B | $1.38B |
| EPS | $19.73 | $21.51 | $23.44 | $25.56 | $27.85 |
| Share price (low) | $157.87 | $172.07 | $187.56 | $204.44 | $222.84 |
| Share price (high) | $256.53 | $279.62 | $304.78 | $332.22 | $362.11 |
| CAGR (low–high) | -40% / -2% | -19% / 3% | -10% / 5% | -6% / 6% | -3% / 7% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for AIZ:
- Strong return on equity (17.4%) shows capital is put to work well.
- Healthy free-cash-flow yield (~5.0%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
- Our model's overall read is Favorable (63/100).
The case against AIZ:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Assurant is a large-cap financials business growing at a mature pace, with modest profitability, and a sound balance sheet. It trades at 12.9x earnings, which our model scores Favorable (63/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.