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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.95
AIZ's Cash to Debt is ranked higher than
76% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.26 vs. AIZ: 0.95 )
AIZ' s 10-Year Cash to Debt Range
Min: 0.49   Max: No Debt
Current: 0.95

Equity to Asset 0.17
AIZ's Equity to Asset is ranked higher than
86% of the 151 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. AIZ: 0.17 )
AIZ' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.2
Current: 0.17

0.11
0.2
Interest Coverage 10.16
AIZ's Interest Coverage is ranked higher than
83% of the 126 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.97 vs. AIZ: 10.16 )
AIZ' s 10-Year Interest Coverage Range
Min: 8.85   Max: 9999.99
Current: 10.16

8.85
9999.99
F-Score: 7
Z-Score: 0.73
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating margin (%) 8.73
AIZ's Operating margin (%) is ranked higher than
85% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.85 vs. AIZ: 8.73 )
AIZ' s 10-Year Operating margin (%) Range
Min: 3.32   Max: 14.34
Current: 8.73

3.32
14.34
Net-margin (%) 5.40
AIZ's Net-margin (%) is ranked higher than
81% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.40 vs. AIZ: 5.40 )
AIZ' s 10-Year Net-margin (%) Range
Min: -15.33   Max: 8.89
Current: 5.4

-15.33
8.89
ROE (%) 10.12
AIZ's ROE (%) is ranked higher than
83% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.12 vs. AIZ: 10.12 )
AIZ' s 10-Year ROE (%) Range
Min: -39.18   Max: 18.72
Current: 10.12

-39.18
18.72
ROA (%) 1.65
AIZ's ROA (%) is ranked higher than
85% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. AIZ: 1.65 )
AIZ' s 10-Year ROA (%) Range
Min: -4.42   Max: 2.85
Current: 1.65

-4.42
2.85
ROC (Joel Greenblatt) (%) 311.36
AIZ's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 129 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 169.57 vs. AIZ: 311.36 )
AIZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 202.17   Max: 420.41
Current: 311.36

202.17
420.41
Revenue Growth (%) 15.10
AIZ's Revenue Growth (%) is ranked higher than
98% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.20 vs. AIZ: 15.10 )
AIZ' s 10-Year Revenue Growth (%) Range
Min: -2.9   Max: 15.1
Current: 15.1

-2.9
15.1
EBITDA Growth (%) 21.40
AIZ's EBITDA Growth (%) is ranked higher than
94% of the 127 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.90 vs. AIZ: 21.40 )
AIZ' s 10-Year EBITDA Growth (%) Range
Min: -9.2   Max: 59.6
Current: 21.4

-9.2
59.6
EPS Growth (%) 36.10
AIZ's EPS Growth (%) is ranked higher than
96% of the 115 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.90 vs. AIZ: 36.10 )
AIZ' s 10-Year EPS Growth (%) Range
Min: -22.5   Max: 48.4
Current: 36.1

-22.5
48.4
» AIZ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

AIZ Guru Trades in Q2 2013

John Hussman 400,000 sh (New)
Richard Snow 55,210 sh (+15.29%)
David Abrams 1,500,000 sh (unchged)
Joel Greenblatt Sold Out
Paul Tudor Jones Sold Out
Richard Pzena 1,279,272 sh (-3.68%)
Jeremy Grantham 240,301 sh (-7.84%)
Chuck Royce 51,159 sh (-17.3%)
HOTCHKIS & WILEY 2,176,434 sh (-17.97%)
Diamond Hill Capital 492,059 sh (-57.67%)
» More
Q3 2013

AIZ Guru Trades in Q3 2013

Steven Cohen 34,590 sh (New)
Paul Tudor Jones 11,500 sh (New)
Richard Snow 67,680 sh (+22.59%)
John Hussman 400,000 sh (unchged)
David Abrams Sold Out
Richard Pzena 1,236,297 sh (-3.36%)
Jeremy Grantham 197,584 sh (-17.78%)
Chuck Royce 34,159 sh (-33.23%)
Diamond Hill Capital 301,829 sh (-38.66%)
HOTCHKIS & WILEY 932,734 sh (-57.14%)
» More
Q4 2013

AIZ Guru Trades in Q4 2013

Richard Snow 70,665 sh (+4.41%)
HOTCHKIS & WILEY Sold Out
Jeremy Grantham 179,562 sh (-9.12%)
Richard Pzena 1,090,868 sh (-11.76%)
Chuck Royce 29,559 sh (-13.47%)
Paul Tudor Jones 9,700 sh (-15.65%)
John Hussman 232,000 sh (-42%)
Diamond Hill Capital 172,029 sh (-43%)
Steven Cohen 6,328 sh (-81.71%)
» More
Q1 2014

AIZ Guru Trades in Q1 2014

Louis Moore Bacon 6,190 sh (New)
Steven Cohen 10,647 sh (+68.25%)
Richard Pzena 1,121,234 sh (+2.78%)
John Hussman 232,000 sh (unchged)
Diamond Hill Capital Sold Out
Paul Tudor Jones 9,300 sh (-4.12%)
Chuck Royce 24,359 sh (-17.59%)
Jeremy Grantham 115,530 sh (-35.66%)
Richard Snow 30,595 sh (-56.7%)
» More
» Details

Insider Trades

Latest Guru Trades with AIZ

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Hussman 2013-12-31 Reduce -42%0.5%$54.16 - $66.29 $ 65.88%232000
David Abrams 2013-09-30 Sold Out 4.4%$50.43 - $56.15 $ 65.822%0
John Hussman 2013-06-30 New Buy0.93%$44.98 - $51.82 $ 65.836%400000
Joel Greenblatt 2013-06-30 Sold Out 0.02%$44.98 - $51.82 $ 65.836%0
Joel Greenblatt 2012-09-30 New Buy0.02%$33.06 - $38.16 $ 65.885%7908
Ray Dalio 2011-12-31 Sold Out 0.04%$34.07 - $41.38 $ 65.872%0
John Hussman 2011-06-30 Sold Out $34.48 - $40.03 $ 65.877%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Assurant Inc

Diamond Hill Capital Comments on Assurant Inc & Saia Inc
Additionally, we eliminated accident and health insurance company Assurant, Inc. (AIZ) and trucking company Saia, Inc. (SAIA) as these companies’ share prices approached our estimates of intrinsic value. Read more...
These Insurance Companies Are Trading Near Book Value and Buying Back Shares
Using the GuruFocus All-In-One Guru Screener, I searched for companies that were buying back shares and were trading at or below book value. I excluded OTC and micro-cap stocks. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 9.80
AIZ's P/E(ttm) is ranked higher than
91% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.80 vs. AIZ: 9.80 )
AIZ' s 10-Year P/E(ttm) Range
Min: 4.68   Max: 24.19
Current: 9.8

4.68
24.19
P/B 0.90
AIZ's P/B is ranked higher than
90% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 vs. AIZ: 0.90 )
AIZ' s 10-Year P/B Range
Min: 0.48   Max: 1.99
Current: 0.9

0.48
1.99
P/S 0.50
AIZ's P/S is ranked higher than
88% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.58 vs. AIZ: 0.50 )
AIZ' s 10-Year P/S Range
Min: 0.21   Max: 0.98
Current: 0.5

0.21
0.98
PFCF 4.80
AIZ's PFCF is ranked higher than
93% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.92 vs. AIZ: 4.80 )
AIZ' s 10-Year PFCF Range
Min: 1.59   Max: 17.78
Current: 4.8

1.59
17.78
EV-to-EBIT 5.12
AIZ's EV-to-EBIT is ranked higher than
91% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.50 vs. AIZ: 5.12 )
AIZ' s 10-Year EV-to-EBIT Range
Min: 1.9   Max: 14.7
Current: 5.12

1.9
14.7
PEG 0.60
AIZ's PEG is ranked higher than
94% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.48 vs. AIZ: 0.60 )
AIZ' s 10-Year PEG Range
Min: 0.12   Max: 4.52
Current: 0.6

0.12
4.52
Shiller P/E 13.70
AIZ's Shiller P/E is ranked higher than
93% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 22.99 vs. AIZ: 13.70 )
AIZ' s 10-Year Shiller P/E Range
Min: 4.36   Max: 14.44
Current: 13.7

4.36
14.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
AIZ's Dividend Yield is ranked lower than
78% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.94 vs. AIZ: 1.60 )
AIZ' s 10-Year Dividend Yield Range
Min: 0.27   Max: 3.45
Current: 1.6

0.27
3.45
Dividend Payout 0.15
AIZ's Dividend Payout is ranked higher than
98% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 0.15 )
AIZ' s 10-Year Dividend Payout Range
Min: 0.05   Max: 1.5
Current: 0.15

0.05
1.5
Dividend growth (3y) 15.10
AIZ's Dividend growth (3y) is ranked higher than
92% of the 87 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.10 vs. AIZ: 15.10 )
AIZ' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 29.9
Current: 15.1

0
29.9
Yield on cost (5-Year) 2.95
AIZ's Yield on cost (5-Year) is ranked higher than
53% of the 129 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.03 vs. AIZ: 2.95 )
AIZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.5   Max: 6.36
Current: 2.95

0.5
6.36
Share Buyback Rate 11.40
AIZ's Share Buyback Rate is ranked higher than
97% of the 104 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 vs. AIZ: 11.40 )
AIZ' s 10-Year Share Buyback Rate Range
Min: 11.4   Max: -8.2
Current: 11.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
AIZ's Price/Tangible Book is ranked higher than
86% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.60 vs. AIZ: 1.20 )
AIZ' s 10-Year Price/Tangible Book Range
Min: 0.65   Max: 2.42
Current: 1.2

0.65
2.42
Price/DCF (Projected) 0.40
AIZ's Price/DCF (Projected) is ranked higher than
91% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.81 vs. AIZ: 0.40 )
AIZ' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 0.57
Current: 0.4

0.25
0.57
Price/Median PS Value 1.00
AIZ's Price/Median PS Value is ranked higher than
90% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.17 vs. AIZ: 1.00 )
AIZ' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 1.88
Current: 1

0.59
1.88
Price/Peter Lynch Fair Value 0.60
AIZ's Price/Peter Lynch Fair Value is ranked higher than
98% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 0.60 )
AIZ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.32   Max: 0.97
Current: 0.6

0.32
0.97
Price/Graham Number 0.70
AIZ's Price/Graham Number is ranked higher than
90% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.89 vs. AIZ: 0.70 )
AIZ' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 1.3
Current: 0.7

0.39
1.3
Earnings Yield (Greenblatt) 19.40
AIZ's Earnings Yield (Greenblatt) is ranked higher than
90% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.60 vs. AIZ: 19.40 )
AIZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.8   Max: 53.1
Current: 19.4

6.8
53.1
Forward Rate of Return (Yacktman) 23.43
AIZ's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.71 vs. AIZ: 23.43 )
AIZ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.4   Max: 82.6
Current: 23.43

5.4
82.6

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, ZFSVF, ING » details
Traded in other countries:ZAS.Germany
Assurant Inc is a Delaware corporation, formed in connection with the initial public offering of its common stock, which began trading on the New York Stock Exchange on February 5, 2004. Assurant is a provider of specialized insurance products and related services in North America and selected other international markets. The Company's four operating segments are Assurant Solutions, Assurant Specialty Property, Assurant Health and Assurant Employee Benefits. These segments provide debt protection administration; credit insurance; warranties and service contracts; pre-funded funeral insurance; creditor-placed homeowners insurance; manufactured housing homeowners insurance; individual health and small employer group health insurance; group dental insurance; group disability insurance and group life insurance. Assurant pursue a differentiated strategy of building positions in specialized market segments for insurance products and related services in North America as well as selected international markets. Assurant Solutions targets growth in three key product areas: extended service contracts and warranties, both domestically and internationally; preneed life insurance and international credit insurance. In addition, it offers debt protection/debt deferment services through financial institutions. Assurant Specialty Property's business strategy is to pursue long-term growth in creditor-placed homeowners insurance and expand its strategy into two emerging markets, creditor-placed automobile and renters insurance. Assurant Specialty Property also writes other specialty products. Creditor-placed and voluntary homeowners insurance: The product line within Assurant Specialty Property is homeowners insurance, consisting mainly of fire and dwelling hazard insurance offered mainly through its creditor-placed programs. Creditor-placed and voluntary manufactured housing insurance: The next product line within Assurant Specialty Property is manufactured housing insurance, offered on a creditor-placed and voluntary basis. In business since 1892, Assurant Health is focused on pursuing long-term profitable growth opportunities in the individual medical market by offering medical insurance, short-term medical insurance and student medical plans to individuals and families. Assurant Health also offers medical insurance to small employer groups. Individual Medical: The Company's medical insurance products are sold to individuals, mainly between the ages of 18 and 64 and their families, who do not have employer-sponsored coverage. Short-term Medical Insurance and Student Health Insurance: Assurant's short-term medical insurance product is designed for individuals who are between jobs or seeking interim coverage before their major medical coverage becomes effective. Short-term medical insurance products are generally sold to individuals in order to fill gaps in coverage of twelve months or less. Small Employer Group Medical: The Company's group medica
» More Articles for AIZ

Headlines

Articles On GuruFocus.com
Diamond Hill Capital Comments on Assurant Inc & Saia Inc Jun 26 2014 
These Insurance Companies Are Trading Near Book Value and Buying Back Shares Jun 06 2014 
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15 Cheapest Share Buyback Achiever with Growth Potential Jun 26 2013 
My 4 Favorite Stocks With Growing Dividends From Last Week May 19 2013 
comment on AIZ May 01 2013 
comment on AIZ Apr 26 2013 
The Best Yielding Ex-Dividend Stocks for Next Week Feb 17 2013 
Guru Richard Pzena's Top Q4 Stock Buys Feb 11 2013 
Best Ex-Dividend Stock List for Nov. 21, 2012 Nov 20 2012 


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