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Also traded in: Germany

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 1.10
AIZ's Cash to Debt is ranked lower than
80% of the 177 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 176.57 vs. AIZ: 1.10 )
Ranked among companies with meaningful Cash to Debt only.
AIZ' s Cash to Debt Range Over the Past 10 Years
Min: 0.74  Med: 1.19 Max: N/A
Current: 1.1
Equity to Asset 0.15
AIZ's Equity to Asset is ranked lower than
72% of the 176 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. AIZ: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
AIZ' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.15 Max: 0.19
Current: 0.15
0.11
0.19
Interest Coverage 8.16
AIZ's Interest Coverage is ranked lower than
79% of the 116 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 39.92 vs. AIZ: 8.16 )
Ranked among companies with meaningful Interest Coverage only.
AIZ' s Interest Coverage Range Over the Past 10 Years
Min: 3.65  Med: 11.70 Max: 18.89
Current: 8.16
3.65
18.89
F-Score: 5
WACC vs ROIC
5.90%
6.87%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating margin (%) 4.61
AIZ's Operating margin (%) is ranked lower than
69% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.44 vs. AIZ: 4.61 )
Ranked among companies with meaningful Operating margin (%) only.
AIZ' s Operating margin (%) Range Over the Past 10 Years
Min: 1.95  Med: 8.35 Max: 14.34
Current: 4.61
1.95
14.34
Net-margin (%) 3.16
AIZ's Net-margin (%) is ranked lower than
69% of the 176 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.42 vs. AIZ: 3.16 )
Ranked among companies with meaningful Net-margin (%) only.
AIZ' s Net-margin (%) Range Over the Past 10 Years
Min: 1.37  Med: 5.31 Max: 8.89
Current: 3.16
1.37
8.89
ROE (%) 6.57
AIZ's ROE (%) is ranked lower than
65% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.96 vs. AIZ: 6.57 )
Ranked among companies with meaningful ROE (%) only.
AIZ' s ROE (%) Range Over the Past 10 Years
Min: 2.92  Med: 9.91 Max: 19.05
Current: 6.57
2.92
19.05
ROA (%) 1.02
AIZ's ROA (%) is ranked lower than
62% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.86 vs. AIZ: 1.02 )
Ranked among companies with meaningful ROA (%) only.
AIZ' s ROA (%) Range Over the Past 10 Years
Min: 0.46  Med: 1.72 Max: 2.84
Current: 1.02
0.46
2.84
Revenue Growth (3Y)(%) 14.50
AIZ's Revenue Growth (3Y)(%) is ranked higher than
74% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.90 vs. AIZ: 14.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AIZ' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.9  Med: 5.40 Max: 18.8
Current: 14.5
-2.9
18.8
EBITDA Growth (3Y)(%) -20.20
AIZ's EBITDA Growth (3Y)(%) is ranked lower than
79% of the 107 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.70 vs. AIZ: -20.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AIZ' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.2  Med: 14.20 Max: 59.7
Current: -20.2
-20.2
59.7
EPS Growth (3Y)(%) -28.70
AIZ's EPS Growth (3Y)(%) is ranked lower than
90% of the 110 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.00 vs. AIZ: -28.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AIZ' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.7  Med: 13.70 Max: 48.4
Current: -28.7
-28.7
48.4
» AIZ's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-05-05)


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

» Details

Guru Trades

Q1 2015

AIZ Guru Trades in Q1 2015

David Dreman 3,025 sh (+124.41%)
Paul Tudor Jones 29,243 sh (+114.97%)
Jim Simons 211,986 sh (+102.28%)
Richard Pzena 506,398 sh (+45.56%)
Jeremy Grantham 19,100 sh (+5.52%)
Chuck Royce 38,612 sh (+2.93%)
John Hussman Sold Out
» More
Q2 2015

AIZ Guru Trades in Q2 2015

RS Investment Management 218,620 sh (New)
Jim Simons 275,300 sh (+29.87%)
David Dreman 3,823 sh (+26.38%)
Richard Pzena 552,001 sh (+9.01%)
Chuck Royce 38,612 sh (unchged)
Jeremy Grantham 15,800 sh (-17.28%)
Paul Tudor Jones 5,063 sh (-82.69%)
» More
Q3 2015

AIZ Guru Trades in Q3 2015

Lee Ainslie 3,320 sh (New)
Jeremy Grantham 85,725 sh (+442.56%)
RS Investment Management 341,466 sh (+56.19%)
David Dreman 4,897 sh (+28.09%)
Chuck Royce 38,612 sh (unchged)
Paul Tudor Jones Sold Out
Richard Pzena 346,520 sh (-37.22%)
Jim Simons 73,751 sh (-73.21%)
» More
Q4 2015

AIZ Guru Trades in Q4 2015

Jim Simons 387,685 sh (+425.67%)
RS Investment Management 341,646 sh (+0.05%)
Chuck Royce 38,612 sh (unchged)
Lee Ainslie Sold Out
Jeremy Grantham 76,325 sh (-10.97%)
David Dreman 3,823 sh (-21.93%)
Richard Pzena 101,422 sh (-70.73%)
» 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%)

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» Interactive Charts

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Ratios

vs
industry
vs
history
P/E(ttm) 18.40
AIZ's P/E(ttm) is ranked lower than
67% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.14 vs. AIZ: 18.40 )
Ranked among companies with meaningful P/E(ttm) only.
AIZ' s P/E(ttm) Range Over the Past 10 Years
Min: 4.68  Med: 10.21 Max: 48.81
Current: 18.4
4.68
48.81
PE(NRI) 18.40
AIZ's PE(NRI) is ranked lower than
68% of the 159 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.96 vs. AIZ: 18.40 )
Ranked among companies with meaningful PE(NRI) only.
AIZ' s PE(NRI) Range Over the Past 10 Years
Min: 4.68  Med: 10.21 Max: 48.75
Current: 18.4
4.68
48.75
Price/Owner Earnings (ttm) 76.98
AIZ's Price/Owner Earnings (ttm) is ranked lower than
96% of the 73 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.74 vs. AIZ: 76.98 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
AIZ' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.97  Med: 10.61 Max: 90.45
Current: 76.98
4.97
90.45
P/B 1.21
AIZ's P/B is ranked lower than
52% of the 176 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.17 vs. AIZ: 1.21 )
Ranked among companies with meaningful P/B only.
AIZ' s P/B Range Over the Past 10 Years
Min: 0.47  Med: 0.88 Max: 1.99
Current: 1.21
0.47
1.99
P/S 0.58
AIZ's P/S is ranked higher than
72% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 vs. AIZ: 0.58 )
Ranked among companies with meaningful P/S only.
AIZ' s P/S Range Over the Past 10 Years
Min: 0.21  Med: 0.50 Max: 0.98
Current: 0.58
0.21
0.98
PFCF 39.56
AIZ's PFCF is ranked lower than
89% of the 92 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.90 vs. AIZ: 39.56 )
Ranked among companies with meaningful PFCF only.
AIZ' s PFCF Range Over the Past 10 Years
Min: 1.6  Med: 6.95 Max: 39.72
Current: 39.56
1.6
39.72
POCF 22.43
AIZ's POCF is ranked lower than
81% of the 116 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.73 vs. AIZ: 22.43 )
Ranked among companies with meaningful POCF only.
AIZ' s POCF Range Over the Past 10 Years
Min: 1.52  Med: 6.56 Max: 58.72
Current: 22.43
1.52
58.72
EV-to-EBIT 19.36
AIZ's EV-to-EBIT is ranked lower than
87% of the 138 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.92 vs. AIZ: 19.36 )
Ranked among companies with meaningful EV-to-EBIT only.
AIZ' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.7  Med: 5.40 Max: 20.9
Current: 19.36
1.7
20.9
EV-to-EBITDA 19.36
AIZ's EV-to-EBITDA is ranked lower than
89% of the 138 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.29 vs. AIZ: 19.36 )
Ranked among companies with meaningful EV-to-EBITDA only.
AIZ' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.7  Med: 5.40 Max: 20.9
Current: 19.36
1.7
20.9
Shiller P/E 17.26
AIZ's Shiller P/E is ranked lower than
72% of the 25 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.16 vs. AIZ: 17.26 )
Ranked among companies with meaningful Shiller P/E only.
AIZ' s Shiller P/E Range Over the Past 10 Years
Min: 7.9  Med: 12.74 Max: 17.35
Current: 17.26
7.9
17.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.86
AIZ's Dividend Yield is ranked lower than
90% of the 226 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.21 vs. AIZ: 1.86 )
Ranked among companies with meaningful Dividend Yield only.
AIZ' s Dividend Yield Range Over the Past 10 Years
Min: 0.64  Med: 1.61 Max: 3.45
Current: 1.86
0.64
3.45
Dividend Payout 0.67
AIZ's Dividend Payout is ranked lower than
69% of the 116 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.46 vs. AIZ: 0.67 )
Ranked among companies with meaningful Dividend Payout only.
AIZ' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.14 Max: 0.67
Current: 0.67
0.07
0.67
Dividend Growth (3y) 19.10
AIZ's Dividend Growth (3y) is ranked higher than
70% of the 57 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.10 vs. AIZ: 19.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
AIZ' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 11.10 Max: 29.9
Current: 19.1
0
29.9
Forward Dividend Yield 2.32
AIZ's Forward Dividend Yield is ranked lower than
82% of the 204 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.76 vs. AIZ: 2.32 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.95
AIZ's Yield on cost (5-Year) is ranked lower than
63% of the 259 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.22 vs. AIZ: 3.95 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AIZ' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.37  Med: 3.44 Max: 7.37
Current: 3.95
1.37
7.37
3-Year Average Share Buyback Ratio 6.80
AIZ's 3-Year Average Share Buyback Ratio is ranked higher than
90% of the 82 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.80 vs. AIZ: 6.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AIZ' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8.2  Med: 4.30 Max: 11.4
Current: 6.8
-8.2
11.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
AIZ's Price/Tangible Book is ranked lower than
57% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.31 vs. AIZ: 1.50 )
Ranked among companies with meaningful Price/Tangible Book only.
AIZ' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.65  Med: 1.26 Max: 2.42
Current: 1.5
0.65
2.42
Price/Projected FCF 0.53
AIZ's Price/Projected FCF is ranked higher than
67% of the 63 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.62 vs. AIZ: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
AIZ' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.37 Max: 0.49
Current: 0.53
0.26
0.49
Price/Median PS Value 1.16
AIZ's Price/Median PS Value is ranked lower than
71% of the 154 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.95 vs. AIZ: 1.16 )
Ranked among companies with meaningful Price/Median PS Value only.
AIZ' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.7  Med: 1.05 Max: 1.93
Current: 1.16
0.7
1.93
Price/Graham Number 1.11
AIZ's Price/Graham Number is ranked lower than
82% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.92 vs. AIZ: 1.11 )
Ranked among companies with meaningful Price/Graham Number only.
AIZ' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.79 Max: 1.66
Current: 1.11
0.42
1.66
Earnings Yield (Greenblatt) (%) 5.18
AIZ's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 167 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.40 vs. AIZ: 5.18 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AIZ' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.8  Med: 18.40 Max: 58.6
Current: 5.18
4.8
58.6
Forward Rate of Return (Yacktman) (%) 9.34
AIZ's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.70 vs. AIZ: 9.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AIZ' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 4.8  Med: 22.40 Max: 75.8
Current: 9.34
4.8
75.8

More Statistics

Revenue(Mil) $9874
EPS $ 4.68
Beta0.62
Short Percentage of Float2.66%
52-Week Range $61.95 - 87.20
Shares Outstanding(Mil)64.78

Analyst Estimate

Dec16
Revenue(Mil)
EPS($) 3.92
EPS without NRI($) 3.92

Business Description

Industry: Insurance » Insurance - Diversified
Compare:XSWX:SLHN, LSE:DLG, DSMD:QATI, ASX:MPL, MIL:US, XSWX:BALN » 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

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