AIZ Assurant, Inc. - Fundamental Analysis
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AIZ Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Insurance - Property & Casualty
Current Price
Live
$233.39
Analyst Target
$259.33
+11.1%
Upside
52W High
$243.76
52W Low
$174.97
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$11.78B
P/E
14.47
ROE
15.4%
Profit margin
6.8%
Debt/Equity
0.38
Dividend yield
1.48%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
Assurant (AIZ) shows mixed financial health with a weak Piotroski F-Score of 4/9, indicating borderline stability, and lacks an Altman Z-Score, limiting distress risk assessment. The stock trades above its Graham Number of $204.04 at $233.39, suggesting a modest premium, but below the analyst target of $259.33. Strong earnings growth (YoY +102.7%) and consistent earnings beat rates (3 of last 4 quarters) support valuation, yet weak technicals (10/100) and negative insider activity raise caution. Profitability metrics like ROE (15.41%) and low debt/equity (0.38) are positives, but liquidity concerns are evident in a weak current ratio (0.41) and quick ratio (0.15).
Key Strengths
Strong year-over-year earnings growth of 102.7% supported by consistent quarterly beats (average surprise of 18.41% over last 4 quarters)
Attractive valuation relative to sector with P/E of 14.47 vs. sector average of 21.69
Low leverage with Debt/Equity ratio of 0.38, well below sector average of 2.02
High ROE of 15.41%, indicating efficient use of shareholder capital
Conservative dividend payout ratio of 19.5%, leaving room for future increases
Key Risks
Weak Piotroski F-Score of 4/9 suggests deteriorating financial health and limited operational strength
Extremely low liquidity ratios: Current Ratio of 0.41 and Quick Ratio of 0.15 indicate potential short-term solvency concerns
Missing Altman Z-Score prevents reliable distress risk assessment, a critical gap for financial firms
Bearish insider sentiment with $4.98M in net insider sales over last 6 months, including CEO sales
Weak technical trend score of 10/100 signals strong near-term bearish momentum
AI Fair Value Estimate
Based on comprehensive analysis
$250.44
+7.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
65
Strong
70
78
65
52
58
AI Verdict
Cautiously optimistic with notable risks in liquidity and insider behavior
Key drivers: High earnings growth and ROE, Low P/E relative to sector, Weak liquidity and Piotroski score, Negative insider activity, Strong historical earnings surprises
Confidence
75%
Value
70/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 14.47 below sector average of 21.69
- Price/Sales of 0.94 suggests reasonable revenue valuation
- Trading below analyst target of $259.33
Watchpoints
- Current price ($233.39) above Graham Number ($204.04), indicating modest overvaluation on defensive criteria
- Lack of PEG ratio limits growth-adjusted valuation insight
Future
78/100
Ref Growth rates
Positives
- Exceptional YoY earnings growth of 102.7%
- Q/Q earnings growth of 98.50% indicates sustained momentum
- Forward P/E of 11.20 suggests earnings growth expectations are priced in
Watchpoints
- No PEG ratio to assess growth sustainability
- Revenue growth (8.90% YoY) lags sector average of 41.17%
Past
65/100
Ref Historical trends
Positives
- Consistent earnings beat rate: 3 of last 4 quarters above estimates
- Average earnings surprise of 18.41% over last 4 quarters
- 5-year price return of +91.8% outperforms most peers
Watchpoints
- Recent 1-month price decline of -3.5% breaks uptrend
- Mixed long-term earnings progression with volatility in earlier quarters
Health
52/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity of 0.38 indicates conservative capital structure
- ROE of 15.41% shows strong return on equity
Watchpoints
- Piotroski F-Score of 4/9 signals weak financial health
- Current Ratio (0.41) and Quick Ratio (0.15) suggest liquidity risk
- No Altman Z-Score provided, creating a critical blind spot
Dividend
58/100
Ref Yield, Payout
Positives
- Low payout ratio of 19.5% ensures sustainability
- Dividend Strength score of 25/100 is low but not alarming given payout discipline
Watchpoints
- Dividend yield of 1.48% is below average for financial services sector
- No 5-year average yield data to assess consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$233.39
Analyst Target
$259.33
Upside/Downside
+11.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AIZ and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AIZ
Assurant, Inc.
Primary
|
+91.8% | +90.7% | +14.3% | +26.2% | -3.5% | -0.3% |
|
AEG
Aegon Ltd.
Peer
|
+139.0% | +64.7% | +22.4% | +6.0% | +0.4% | +0.8% |
|
ACGLO
Arch Capital Group Ltd.
Peer
|
+8.8% | +6.8% | +2.3% | +3.0% | +0.9% | +0.6% |
|
ALLY
Ally Financial Inc.
Peer
|
+22.5% | +45.9% | +5.9% | +8.3% | -11.2% | -5.7% |
|
AFG
American Financial Group, Inc.
Peer
|
+147.1% | +12.2% | +0.9% | +4.0% | -6.8% | -2.5% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.47
Forward P/E
11.2
PEG Ratio
N/A
P/B Ratio
2.03
P/S Ratio
0.94
EV/Revenue
0.94
EV/EBITDA
8.39
Market Cap
$11.78B
Profitability
Profit margins and return metrics
Profit Margin
6.75%
Operating Margin
11.15%
Gross Margin
11.49%
ROE
15.41%
ROA
2.05%
Growth
Revenue and earnings growth rates
Revenue Growth
+8.9%
Earnings Growth
+102.7%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+98.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.38
Low debt
Current Ratio
0.41
Weak
Quick Ratio
0.15
Poor
Cash/Share
$41.1
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-10
$N/A
2025-11-04
$5.17
+18.6% surprise
2025-08-05
$5.1
+14.5% surprise
2025-05-06
$3.39
+22.1% surprise
Financial Services Sector Comparison
Comparing AIZ against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
14.47
This Stock
vs
30.38
Sector Avg
-52.4%
(Discount)
Return on Equity (ROE)
15.41%
This Stock
vs
-7.57%
Sector Avg
-303.5%
(Below Avg)
Profit Margin
6.75%
This Stock
vs
83.86%
Sector Avg
-91.9%
(Weaker)
Debt to Equity
0.38
This Stock
vs
1.51
Sector Avg
-74.6%
(Less Debt)
Revenue Growth
8.9%
This Stock
vs
30.29%
Sector Avg
-70.6%
(Slower)
Current Ratio
0.41
This Stock
vs
3.78
Sector Avg
-89.2%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AIZ
Assurant, Inc.
|
NEUTRAL | $11.78B | 14.47 | 15.4% | 6.8% | $233.39 | |
|
AEG
Aegon Ltd.
|
BEARISH | $11.74B | 8.47 | 15.0% | 10.1% | $7.71 | |
|
ACGLO
Arch Capital Group Ltd.
|
NEUTRAL | $12.24B | 4.48 | 19.5% | 22.1% | $21.0 | |
|
ALLY
Ally Financial Inc.
|
NEUTRAL | $12.68B | 17.72 | 5.8% | 11.6% | $41.11 | |
|
AFG
American Financial Group, Inc.
|
NEUTRAL | $10.66B | 13.48 | 16.9% | 10.0% | $127.79 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-10-03 | DEMMINGS KEITH | Chief Executive Officer | Sale | 13,725 | $3,026,652 |
| 2025-10-01 | CAMPBELL MICHAEL P | Chief Operating Officer | Stock Award | 862 | - |
| 2025-08-29 | DEMMINGS KEITH | Chief Executive Officer | Sale | 4,275 | $941,671 |
| 2025-08-12 | ROSENBLUM JAY E. | Officer | Sale | 3,900 | $813,256 |
| 2025-08-08 | DIRIENZO DIMITRY | Officer | Sale | 950 | $194,707 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
6 analysts
Piper Sandler
2025-12-19
Overweight
Overweight
Keefe, Bruyette & Woods
2025-11-20
Outperform
Outperform
Morgan Stanley
2025-11-17
Equal-Weight
Equal-Weight
UBS
2025-11-10
Buy
Buy
Piper Sandler
2025-10-10
Overweight
Overweight
UBS
2025-10-08
Buy
Buy
Morgan Stanley
2025-10-07
Equal-Weight
Equal-Weight
Morgan Stanley
2025-08-18
Equal-Weight
Equal-Weight
Keefe, Bruyette & Woods
2025-08-12
Outperform
Outperform
BMO Capital
2025-08-12
Outperform
Past News Coverage
Recent headlines mentioning AIZ from our newsroom.
Newest → oldest
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