Assurant AIZ
United StatesFinancial Services · Insurance - Property & CasualtyUSD
326.67 USD (+22.5%)
6 analysts
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Assurant, Inc. is a global insurer offering property and casualty insurance, as well as protection and lifestyle solutions (such as extended warranties and assistance), through agreements with companies and distributors.
Key points
from its scores- ✓Favourable backdrop8.4
- ✓Good share-price trend8.0
- ✓Strong growth7.5
- ✕Little or no dividend4.6
- ✕Little competitive advantage4.9
AI analysis
bottom line, main risk, context and newsThe combination of reasonable valuation, double-digit growth, and financial strength makes Assurant an attractive option within the insurance sector, although its dividend yield is limited.
Assurant presents solid fundamentals: ROE of 18.34%, operating margin of 11.73%, and earnings growth of 30.50%, with an attractive valuation (P/E 12.77) and strong momentum (8.02). The macro context of rising rates does not materially affect its business, and its healthy balance sheet and low payout (16.47%) allow it to sustain growth and dividends.
The main risk is exposure to natural catastrophes and extreme weather events in its property insurance business, which could generate losses exceeding reserves and impact profitability.
Context and risks
Assurant has no material exposure to current macro factors: its property & casualty and lifestyle insurance business does not depend on commodities, shipping routes, or tariffs. The rise in long-term US rates could affect its investment portfolio, but its balance sheet is solid (ROE 18.34%) and no specific regulatory or geopolitical risk justifies an adjustment.
Is Assurant stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 12.8 | 13.7 | −7% |
| EV / EBITDA | 7.7 | 10.1 | −24% |
| Price / book | 2.2 | 1.9 | +17% |
| Price / sales | 1.0 | 3.5 | −72% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.7 out of 10 (median for Financial Services: 5.2).
Average analyst target: 326.67 USD, +22.5% versus the price.
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 12.8
- Forward P/E
- 11.4
- EV / EBITDA
- 7.7
- Price / book
- 2.2
- Price / sales
- 1.0
- PEG
- 2.16
- Market cap
- 13.2B USD
- Enterprise value
- 13.3B USD
Profitability
- ROE
- 18.3%
- ROA
- 2.6%
- ROIC (approx.)
- 19.0%
- Gross margin
- 13.3%
- Operating margin
- 11.7%
- Net margin
- 7.9%
- Free cash flow
- 2.1B USD
- FCF yield
- 16.3%
- Cash conversion
- 124%
Solvency
- Total debt
- 2.2B USD
- Net debt
- 174.2M USD
- Cash
- 2.0B USD
- EBITDA
- 1.7B USD
- Net debt / EBITDA
- 0.10
- Debt / equity
- 36.21
- Current ratio
- 0.38
- Quick ratio
- 0.15
Growth
- Revenue growth
- +9.4%
- Earnings growth
- +30.5%
- EPS (TTM)
- 20.89 USD
- EPS (forward)
- 23.43 USD
Dividend
- Dividend yield
- 1.3%
- Payout
- 16.5%
Risk and market
- Beta
- 0.53
- Analyst consensus
- Strong buy (6)
- Target price
- 326.67 USD
- 52-week range
- 206.03 – 303.94
Recent news
All AIZ news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Assurant
Is Assurant stock cheap or expensive?
On P/E and Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 5.7 out of 10 (median for Financial Services: 5.2). Average analyst target: 326.67 USD, +22.5% versus the price. This is not investment advice.
What score does Assurant get on MeridIAn Screener?
It scores 6.4 out of 10, rank 595 of 2,130 (better than 68% of the companies analysed). Its strongest category is Risk & Context (8.4) and its weakest, Dividend (4.6). Analysis of 08/10/2026.
What is Assurant's P/E ratio?
Its P/E is 12.8: the share price equals 12.8 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 11.4.
How much is Assurant worth on the stock market?
Its market capitalisation is 13.2B USD.
Does Assurant pay a dividend?
Yes: its dividend yield is 1.32% and it pays out 16% of its earnings.
How has Assurant stock performed over the last year?
It has risen 24.5% over the last year, excluding dividends. Over the last 52 weeks it has traded between 206.03 and 303.94 USD. Past performance does not guarantee future results.
What do analysts think of Assurant?
6 analysts cover it; their average recommendation is “Strong buy” and their average target is 326.67 USD (+22.5% versus the price). It is an estimate, not market data.