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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.96
AIZ's Cash to Debt is ranked lower than
82% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 0.96 )
Ranked among companies with meaningful Cash to Debt only.
AIZ' s Cash to Debt Range Over the Past 10 Years
Min: 0.49  Med: 1.05 Max: N/A
Current: 0.96
Equity to Asset 0.15
AIZ's Equity to Asset is ranked lower than
71% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.25 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: 0.16 Max: 0.19
Current: 0.15
0.11
0.19
Interest Coverage 15.72
AIZ's Interest Coverage is ranked lower than
74% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 15.72 )
Ranked among companies with meaningful Interest Coverage only.
AIZ' s Interest Coverage Range Over the Past 10 Years
Min: 3.65  Med: 11.7 Max: 18.89
Current: 15.72
3.65
18.89
F-Score: 3
WACC vs ROIC
5.97%
15.68%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 10.86
AIZ's Operating margin (%) is ranked higher than
60% of the 172 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.80 vs. AIZ: 10.86 )
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: 10.86
1.95
14.34
Net-margin (%) 7.20
AIZ's Net-margin (%) is ranked higher than
53% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.53 vs. AIZ: 7.20 )
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: 7.2
1.37
8.89
ROE (%) 13.10
AIZ's ROE (%) is ranked higher than
67% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.98 vs. AIZ: 13.10 )
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: 13.1
2.92
19.05
ROA (%) 1.99
AIZ's ROA (%) is ranked lower than
51% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.01 vs. AIZ: 1.99 )
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: 1.99
0.46
2.84
Revenue Growth (3Y)(%) 14.50
AIZ's Revenue Growth (3Y)(%) is ranked higher than
71% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.80 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: 5.4 Max: 18.8
Current: 14.5
-2.9
18.8
EBITDA Growth (3Y)(%) -20.20
AIZ's EBITDA Growth (3Y)(%) is ranked lower than
80% of the 114 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: 14.2 Max: 50.9
Current: -20.2
-20.2
50.9
EPS Growth (3Y)(%) -28.80
AIZ's EPS Growth (3Y)(%) is ranked lower than
88% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.00 vs. AIZ: -28.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AIZ' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.8  Med: 13.7 Max: 48.4
Current: -28.8
-28.8
48.4
» AIZ's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q1 2016

AIZ Guru Trades in Q1 2016

John Hussman 50,000 sh (New)
Louis Moore Bacon 150,000 sh (New)
Paul Tudor Jones 7,000 sh (New)
RS Investment Management 610,699 sh (+78.75%)
Jim Simons 411,100 sh (+6.04%)
Jeremy Grantham 77,975 sh (+2.16%)
Chuck Royce Sold Out
David Dreman Sold Out
Richard Pzena 80,508 sh (-20.62%)
» More
Q2 2016

AIZ Guru Trades in Q2 2016

David Dreman 431 sh (New)
Ray Dalio 3,246 sh (New)
John Hussman 75,000 sh (+50.00%)
Louis Moore Bacon Sold Out
Richard Pzena 80,260 sh (-0.31%)
RS Investment Management 587,467 sh (-3.80%)
Jim Simons 350,900 sh (-14.64%)
Paul Tudor Jones 3,200 sh (-54.29%)
Jeremy Grantham 20,111 sh (-74.21%)
» More
Q3 2016

AIZ Guru Trades in Q3 2016

David Dreman 431 sh (unchged)
Paul Tudor Jones Sold Out
John Hussman Sold Out
Ray Dalio Sold Out
Jeremy Grantham Sold Out
Richard Pzena 80,124 sh (-0.17%)
Jim Simons 217,300 sh (-38.07%)
» 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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Business Description

Industry: Insurance » Insurance - Diversified
Compare:NYSE:ORI, NAS:ESGR, OTCPK:DIISY, OTCPK:VNRFY, OTCPK:TPDKY, OTCPK:DGRLY, NYSE:GNW, NYSE:KMPR, NYSE:HMN, OTCPK:GJNSY, OTCPK:PWCDF, NYSE:GTS, OTCPK:NNGPF, NYSE:AEG, OTCPK:BBSEY, NYSE:HIG, OTCPK:MSADY, OTCPK:ARZGF, NYSE:AV, NYSE:SLF » details
Traded in other countries:ZAS.Germany,
Assurant Inc is a provider of specialized insurance products and related services in North America and selected other international markets.

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 five operating segments are Assurant Solutions, Assurant Specialty Property, Assurant Health, Assurant Employee Benefits and Corporate. 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.

Ratios

vs
industry
vs
history
P/E(ttm) 9.12
AIZ's P/E(ttm) is ranked higher than
71% of the 151 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.50 vs. AIZ: 9.12 )
Ranked among companies with meaningful P/E(ttm) only.
AIZ' s P/E(ttm) Range Over the Past 10 Years
Min: 4.68  Med: 10.1 Max: 48.48
Current: 9.12
4.68
48.48
PE(NRI) 9.12
AIZ's PE(NRI) is ranked higher than
71% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.39 vs. AIZ: 9.12 )
Ranked among companies with meaningful PE(NRI) only.
AIZ' s PE(NRI) Range Over the Past 10 Years
Min: 4.68  Med: 10.1 Max: 48.48
Current: 9.12
4.68
48.48
Price/Owner Earnings (ttm) 9.86
AIZ's Price/Owner Earnings (ttm) is ranked lower than
52% of the 98 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.37 vs. AIZ: 9.86 )
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: 9.86
4.97
90.45
P/B 1.10
AIZ's P/B is ranked higher than
51% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.16 vs. AIZ: 1.10 )
Ranked among companies with meaningful P/B only.
AIZ' s P/B Range Over the Past 10 Years
Min: 0.47  Med: 0.89 Max: 1.99
Current: 1.1
0.47
1.99
P/S 0.66
AIZ's P/S is ranked higher than
65% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.01 vs. AIZ: 0.66 )
Ranked among companies with meaningful P/S only.
AIZ' s P/S Range Over the Past 10 Years
Min: 0.21  Med: 0.51 Max: 0.98
Current: 0.66
0.21
0.98
EV-to-EBIT 4.71
AIZ's EV-to-EBIT is ranked higher than
77% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.82 vs. AIZ: 4.71 )
Ranked among companies with meaningful EV-to-EBIT only.
AIZ' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.7  Med: 5.4 Max: 20.9
Current: 4.71
1.7
20.9
EV-to-EBITDA 4.71
AIZ's EV-to-EBITDA is ranked higher than
75% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.64 vs. AIZ: 4.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
AIZ' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.7  Med: 5.4 Max: 20.9
Current: 4.71
1.7
20.9
Shiller P/E 15.50
AIZ's Shiller P/E is ranked higher than
54% of the 24 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.69 vs. AIZ: 15.50 )
Ranked among companies with meaningful Shiller P/E only.
AIZ' s Shiller P/E Range Over the Past 10 Years
Min: 7.89  Med: 12.91 Max: 17.31
Current: 15.5
7.89
17.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.38
AIZ's Dividend Yield is ranked lower than
83% of the 286 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.55 vs. AIZ: 2.38 )
Ranked among companies with meaningful Dividend Yield only.
AIZ' s Dividend Yield Range Over the Past 10 Years
Min: 0.64  Med: 1.66 Max: 3.45
Current: 2.38
0.64
3.45
Dividend Payout 0.21
AIZ's Dividend Payout is ranked higher than
93% of the 123 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.43 vs. AIZ: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
AIZ' s Dividend Payout Range Over the Past 10 Years
Min: 0.05  Med: 0.12 Max: 1.67
Current: 0.21
0.05
1.67
Dividend Growth (3y) 19.10
AIZ's Dividend Growth (3y) is ranked higher than
75% of the 59 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.40 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: 11.1 Max: 29.9
Current: 19.1
0
29.9
Forward Dividend Yield 2.44
AIZ's Forward Dividend Yield is ranked lower than
83% of the 275 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.37 vs. AIZ: 2.44 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.04
AIZ's Yield on cost (5-Year) is ranked lower than
61% of the 286 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.64 vs. AIZ: 5.04 )
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: 3.55 Max: 7.37
Current: 5.04
1.37
7.37
3-Year Average Share Buyback Ratio 5.80
AIZ's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 84 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -1.20 vs. AIZ: 5.80 )
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: -8.6  Med: 4.7 Max: 12.3
Current: 5.8
-8.6
12.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.48
AIZ's Price/Tangible Book is ranked lower than
56% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.36 vs. AIZ: 1.48 )
Ranked among companies with meaningful Price/Tangible Book only.
AIZ' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.65  Med: 1.27 Max: 2.42
Current: 1.48
0.65
2.42
Price/Projected FCF 0.57
AIZ's Price/Projected FCF is ranked higher than
55% of the 56 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.68 vs. AIZ: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
AIZ' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.37 Max: 0.73
Current: 0.57
0.25
0.73
Price/Median PS Value 1.32
AIZ's Price/Median PS Value is ranked lower than
81% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.95 vs. AIZ: 1.32 )
Ranked among companies with meaningful Price/Median PS Value only.
AIZ' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.6  Med: 1 Max: 1.89
Current: 1.32
0.6
1.89
Price/Graham Number 0.78
AIZ's Price/Graham Number is ranked higher than
56% of the 131 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. AIZ: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
AIZ' s Price/Graham Number Range Over the Past 10 Years
Min: 0.41  Med: 0.83 Max: 1.72
Current: 0.78
0.41
1.72
Earnings Yield (Greenblatt) (%) 21.27
AIZ's Earnings Yield (Greenblatt) (%) is ranked higher than
82% of the 169 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.30 vs. AIZ: 21.27 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AIZ' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.8  Med: 18.6 Max: 58.6
Current: 21.27
4.8
58.6
Forward Rate of Return (Yacktman) (%) 6.71
AIZ's Forward Rate of Return (Yacktman) (%) is ranked lower than
63% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.65 vs. AIZ: 6.71 )
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: 21.8 Max: 75.8
Current: 6.71
4.8
75.8

More Statistics

Revenue (TTM) (Mil) $8,327
EPS (TTM) $ 9.37
Beta0.57
Short Percentage of Float2.55%
52-Week Range $64.37 - 92.63
Shares Outstanding (Mil)57.01

Analyst Estimate

Dec16
Revenue (Mil $)
EPS ($) 3.92
EPS w/o NRI ($) 3.92
EPS Growth Rate
(3Y to 5Y Estimate)
8.40%
Dividends Per Share ($) 1.26
» More Articles for AIZ

Headlines

Articles On GuruFocus.com
21 Best Undervalued Stocks of the Week Aug 30 2016 
Assurant's 67% Dividend Hike Makes a Fairly Valued Stock Sep 14 2015 
The 20 Best Stocks for Value Investors This Week Aug 15 2015 
Earnings Upward Reaction: Natural Health Trends, Assurant, Calix Jul 29 2015 
Pzena´s Strong Bet in the First Quarter Has Announced a Dividend Hike May 12 2015 
Investors Should Bet on this New York City-Based Insurer Feb 26 2015 
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 

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