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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 : 7/10

vs
industry
vs
history
Cash to Debt 1.21
AIZ's Cash to Debt is ranked higher than
78% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.49 vs. AIZ: 1.21 )
AIZ' s 10-Year Cash to Debt Range
Min: 0.49   Max: No Debt
Current: 1.21

Equity to Asset 0.17
AIZ's Equity to Asset is ranked higher than
85% of the 178 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
80% of the 168 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.86 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: 0.76
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 : 8/10

vs
industry
vs
history
Operating margin (%) 8.19
AIZ's Operating margin (%) is ranked higher than
84% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.45 vs. AIZ: 8.19 )
AIZ' s 10-Year Operating margin (%) Range
Min: 3.32   Max: 14.34
Current: 8.19

3.32
14.34
Net-margin (%) 5.22
AIZ's Net-margin (%) is ranked higher than
84% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.13 vs. AIZ: 5.22 )
AIZ' s 10-Year Net-margin (%) Range
Min: -15.33   Max: 8.89
Current: 5.22

-15.33
8.89
ROE (%) 10.43
AIZ's ROE (%) is ranked higher than
84% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.71 vs. AIZ: 10.43 )
AIZ' s 10-Year ROE (%) Range
Min: -33.33   Max: 19.05
Current: 10.43

-33.33
19.05
ROA (%) 1.77
AIZ's ROA (%) is ranked higher than
87% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.85 vs. AIZ: 1.77 )
AIZ' s 10-Year ROA (%) Range
Min: -4.25   Max: 2.84
Current: 1.77

-4.25
2.84
ROC (Joel Greenblatt) (%) 320.24
AIZ's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 163 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 204.78 vs. AIZ: 320.24 )
AIZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 183.63   Max: 426.21
Current: 320.24

183.63
426.21
Revenue Growth (%) 15.10
AIZ's Revenue Growth (%) is ranked higher than
95% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 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
95% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.90 vs. AIZ: 21.40 )
AIZ' s 10-Year EBITDA Growth (%) Range
Min: -9.9   Max: 50.8
Current: 21.4

-9.9
50.8
EPS Growth (%) 36.10
AIZ's EPS Growth (%) is ranked higher than
94% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.50 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

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
Q2 2014

AIZ Guru Trades in Q2 2014

Jim Simons 84,200 sh (New)
Ray Dalio 7,958 sh (New)
David Dreman 1,360 sh (New)
Paul Tudor Jones 12,600 sh (+35.48%)
Chuck Royce 27,412 sh (+12.53%)
Richard Snow 32,530 sh (+6.32%)
John Hussman 232,000 sh (unchged)
Louis Moore Bacon 6,078 sh (-1.81%)
Richard Pzena 741,256 sh (-33.89%)
Jeremy Grantham 55,230 sh (-52.19%)
» More
Q3 2014

AIZ Guru Trades in Q3 2014

Chuck Royce 35,212 sh (+28.45%)
Richard Pzena 815,719 sh (+10.05%)
Paul Tudor Jones 13,814 sh (+9.63%)
David Dreman 1,448 sh (+6.47%)
Louis Moore Bacon Sold Out
Ray Dalio Sold Out
Richard Snow 30,030 sh (-7.69%)
Jeremy Grantham 47,630 sh (-13.76%)
John Hussman 175,000 sh (-24.57%)
Jim Simons 17,300 sh (-79.45%)
» More
» Details

Insider Trades

Latest Guru Trades with AIZ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Hussman 2014-09-30 Reduce -24.57%0.29%$63.44 - $66.84 $ 67.593%175000
Ray Dalio 2014-09-30 Sold Out $63.44 - $66.84 $ 67.593%0
Richard Pzena 2014-06-30 Reduce -33.89%0.14%$63.22 - $69.39 $ 67.591%741256
David Dreman 2014-06-30 New Buy0.01%$63.22 - $69.39 $ 67.591%1360
Ray Dalio 2014-06-30 New Buy$63.22 - $69.39 $ 67.591%7958
Richard Snow 2014-03-31 Reduce -56.7%0.11%$63.6 - $68.7 $ 67.593%30595
John Hussman 2013-12-31 Reduce -42%0.5%$54.16 - $66.29 $ 67.5910%232000
HOTCHKIS & WILEY 2013-12-31 Sold Out 0.23%$54.16 - $66.29 $ 67.5910%0
David Abrams 2013-09-30 Sold Out 4.4%$50.43 - $56.15 $ 67.5925%0
HOTCHKIS & WILEY 2013-09-30 Reduce -57.14%0.31%$50.43 - $56.15 $ 67.5925%932734
Richard Snow 2013-09-30 Add 22.59%0.03%$50.43 - $56.15 $ 67.5925%67680
John Hussman 2013-06-30 New Buy0.93%$44.98 - $51.82 $ 67.5939%400000
HOTCHKIS & WILEY 2013-06-30 Reduce -17.97%0.11%$44.98 - $51.82 $ 67.5939%2176434
Joel Greenblatt 2013-06-30 Sold Out 0.02%$44.98 - $51.82 $ 67.5939%0
HOTCHKIS & WILEY 2013-03-31 New Buy0.61%$34.7 - $45.01 $ 67.5968%2653144
Richard Pzena 2013-03-31 Add 24.76%0.08%$34.7 - $45.01 $ 67.5968%1328179
Richard Snow 2013-03-31 Add 100.84%0.05%$34.7 - $45.01 $ 67.5968%47890
Richard Pzena 2012-12-31 New Buy0.3%$33.83 - $41 $ 67.5985%1064590
Richard Snow 2012-12-31 Add 104.5%0.02%$33.83 - $41 $ 67.5985%23845
Richard Snow 2012-09-30 New Buy0.02%$33.06 - $38.16 $ 67.5990%11660
Joel Greenblatt 2012-09-30 New Buy0.02%$33.06 - $38.16 $ 67.5990%7908
Ray Dalio 2011-12-31 Sold Out 0.04%$34.07 - $41.38 $ 67.5976%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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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) 9.40
AIZ's P/E(ttm) is ranked higher than
91% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.70 vs. AIZ: 9.40 )
AIZ' s 10-Year P/E(ttm) Range
Min: 4.68   Max: 24.19
Current: 9.4

4.68
24.19
P/B 0.90
AIZ's P/B is ranked higher than
90% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.01 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
90% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.60 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 6.80
AIZ's PFCF is ranked higher than
93% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 27.27 vs. AIZ: 6.80 )
AIZ' s 10-Year PFCF Range
Min: 1.59   Max: 17.78
Current: 6.8

1.59
17.78
EV-to-EBIT 4.86
AIZ's EV-to-EBIT is ranked higher than
95% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.73 vs. AIZ: 4.86 )
AIZ' s 10-Year EV-to-EBIT Range
Min: 1.8   Max: 14.7
Current: 4.86

1.8
14.7
PEG 0.57
AIZ's PEG is ranked higher than
98% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 0.57 )
AIZ' s 10-Year PEG Range
Min: 0.13   Max: 10.35
Current: 0.57

0.13
10.35
Shiller P/E 12.60
AIZ's Shiller P/E is ranked higher than
94% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 24.16 vs. AIZ: 12.60 )
AIZ' s 10-Year Shiller P/E Range
Min: 4.35   Max: 14.35
Current: 12.6

4.35
14.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
AIZ's Dividend Yield is ranked lower than
81% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.76 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 0.14
AIZ's Dividend Payout is ranked higher than
94% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.56 vs. AIZ: 0.14 )
AIZ' s 10-Year Dividend Payout Range
Min: 0.05   Max: 1.5
Current: 0.14

0.05
1.5
Dividend growth (3y) 15.10
AIZ's Dividend growth (3y) is ranked higher than
91% of the 93 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.20 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 lower than
52% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.27 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 119 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 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 1.16
AIZ's Price/Tangible Book is ranked higher than
88% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.68 vs. AIZ: 1.16 )
AIZ' s 10-Year Price/Tangible Book Range
Min: 0.65   Max: 2.42
Current: 1.16

0.65
2.42
Price/DCF (Projected) 0.41
AIZ's Price/DCF (Projected) is ranked higher than
95% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.94 vs. AIZ: 0.41 )
AIZ' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 0.57
Current: 0.41

0.25
0.57
Price/Median PS Value 0.98
AIZ's Price/Median PS Value is ranked higher than
90% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.19 vs. AIZ: 0.98 )
AIZ' s 10-Year Price/Median PS Value Range
Min: 0.61   Max: 1.92
Current: 0.98

0.61
1.92
Price/Peter Lynch Fair Value 0.56
AIZ's Price/Peter Lynch Fair Value is ranked higher than
98% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 0.56 )
AIZ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.32   Max: 1.2
Current: 0.56

0.32
1.2
Price/Graham Number 0.68
AIZ's Price/Graham Number is ranked higher than
93% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.06 vs. AIZ: 0.68 )
AIZ' s 10-Year Price/Graham Number Range
Min: 0.38   Max: 1.3
Current: 0.68

0.38
1.3
Earnings Yield (Greenblatt) 20.60
AIZ's Earnings Yield (Greenblatt) is ranked higher than
95% of the 174 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. AIZ: 20.60 )
AIZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.8   Max: 55.8
Current: 20.6

6.8
55.8
Forward Rate of Return (Yacktman) 28.35
AIZ's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.48 vs. AIZ: 28.35 )
AIZ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.3   Max: 83.8
Current: 28.35

3.3
83.8

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 on February 4, 2004, 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. Assurant Solutions provides mobile device protection, debt protection administration, credit-related insurance, warranties and service contracts and pre-funded funeral insurance. Assurant Specialty Property provides lender-placed homeowners insurance, renters insurance and related products and manufactured housing homeowners insurance. Assurant Health provides individual health and small employer group health insurance. Assurant Employee Benefits provides group dental insurance, group disability insurance and group life insurance. Corporate & Other includes activities of the holding company, financing and interest expenses, net realized gains (losses) on investments and interest income earned from short-term investments held. Corporate & Other also includes the amortization of deferred gains associated with the sales of Fortis Financial Group and Long-Term Care through reinsurance agreements. These segments provide mobile device protection; debt protection administration; credit-related insurance; warranties and service contracts; pre-funded funeral insurance; lender-placed homeowners insurance; property preservation services; renters insurance and related products; manufactured housing homeowners insurance; individual health and small employer group health insurance; group dental insurance; group disability insurance; and group life insurance. Competitors of Assurant Solutions and Assurant Specialty Property include insurance companies and financial institutions. Assurant Health's main competitors are other health insurance companies, Health Maintenance Organizations (HMOs) and the Blue Cross/Blue Shield. Assurant Employee Benefits' competitors include other benefit and life insurance companies, dental managed care entities and not-for-profit dental plans. The Company is subject to laws and regulations.
» More Articles for AIZ

Headlines

Articles On GuruFocus.com
AIG Has Survived the Worst Crisis Sep 10 2014 
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 
Morning Coffee: S&P Stocks with Buybacks and Earnings Increases Jun 05 2014 
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 

More From Other Websites
Assurant Recognized for Commitment to Diversity and Inclusion Nov 24 2014
A.M. Best Affirms Ratings of Assurant, Inc. and Its Subsidiaries Nov 21 2014
Assurant Solutions Appoints Gilles Giacosa as Senior Vice President of Strategy and Strategic... Nov 20 2014
Assurant Solutions Appoints Gilles Giacosa as Senior Vice President of Strategy and Strategic... Nov 20 2014
Assurant Solutions Launches Connected Living Division Nov 19 2014
Claro Teams with Assurant Solutions to Create a Unique Smartphone Offering in Brazil Nov 18 2014
Insider Trading Alert - RYL, AIZ And WLT Traded By Insiders Nov 17 2014
ASSURANT INC Financials Nov 14 2014
Assurant Board of Directors Declares Quarterly Dividend of $.27 per Common Share Nov 14 2014
10-Q for Assurant, Inc. Nov 06 2014
A.M. Best Assigns Indicative Ratings to Assurant Inc.’s New Shelf Registration Nov 06 2014
ASSURANT INC Files SEC form 10-Q, Quarterly Report Nov 04 2014
Assurant Q3 Earnings Beat Estimates on Improved Revenues Oct 30 2014
Assurant (AIZ) Earnings Report: Q3 2014 Conference Call Transcript Oct 30 2014
Assurant beats Street 3Q forecasts Oct 29 2014
Assurant beats Street 3Q forecasts Oct 29 2014
Assurant Reports Third Quarter 2014 Financial Results Oct 29 2014
ASSURANT INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Oct 29 2014
Assurant Reports Third Quarter 2014 Financial Results Oct 29 2014
Q3 2014 Assurant Inc Earnings Release - After Market Close Oct 29 2014

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