AIZ Assurant, Inc. - Fundamental Analysis

NEUTRAL

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

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AI Analysis

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

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Sector Comparison & Peer Analysis

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