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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 0.97
AIZ's Cash-to-Debt is ranked lower than
83% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 0.97 )
Ranked among companies with meaningful Cash-to-Debt only.
AIZ' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.74  Med: 1.18 Max: N/A
Current: 0.97
Equity-to-Asset 0.14
AIZ's Equity-to-Asset is ranked lower than
72% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. AIZ: 0.14 )
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: 0.14
0.11
0.19
Interest Coverage 14.73
AIZ's Interest Coverage is ranked lower than
72% of the 164 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 14.73 )
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: 16.53
Current: 14.73
3.65
16.53
Piotroski F-Score: 5
WACC vs ROIC
6.24%
14.52%
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 % 11.27
AIZ's Operating Margin % is ranked higher than
63% of the 158 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.66 vs. AIZ: 11.27 )
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: 11.96
Current: 11.27
1.95
11.96
Net Margin % 7.51
AIZ's Net Margin % is ranked higher than
57% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.25 vs. AIZ: 7.51 )
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: 7.73
Current: 7.51
1.37
7.73
ROE % 12.68
AIZ's ROE % is ranked higher than
68% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.74 vs. AIZ: 12.68 )
Ranked among companies with meaningful ROE % only.
AIZ' s ROE % Range Over the Past 10 Years
Min: 2.92  Med: 9.91 Max: 16.51
Current: 12.68
2.92
16.51
ROA % 1.88
AIZ's ROA % is ranked higher than
52% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.74 vs. AIZ: 1.88 )
Ranked among companies with meaningful ROA % only.
AIZ' s ROA % Range Over the Past 10 Years
Min: 0.46  Med: 1.72 Max: 2.52
Current: 1.88
0.46
2.52
3-Year Revenue Growth Rate 1.40
AIZ's 3-Year Revenue Growth Rate is ranked lower than
68% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.70 vs. AIZ: 1.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AIZ' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.9  Med: 5.4 Max: 18.8
Current: 1.4
-2.9
18.8
3-Year EBITDA Growth Rate 9.80
AIZ's 3-Year EBITDA Growth Rate is ranked higher than
63% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.70 vs. AIZ: 9.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AIZ' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -19.3  Med: 13.4 Max: 50.9
Current: 9.8
-19.3
50.9
3-Year EPS without NRI Growth Rate 13.20
AIZ's 3-Year EPS without NRI Growth Rate is ranked higher than
70% of the 107 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.00 vs. AIZ: 13.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AIZ' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -28.8  Med: 13.65 Max: 48.4
Current: 13.2
-28.8
48.4
GuruFocus has detected 4 Warning Signs with Assurant Inc $AIZ.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» AIZ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

AIZ Guru Trades in Q1 2016

Paul Tudor Jones 7,000 sh (New)
Louis Moore Bacon 150,000 sh (New)
John Hussman 50,000 sh (New)
RS Investment Management 610,699 sh (+78.75%)
Jim Simons 411,100 sh (+6.04%)
Jeremy Grantham 77,975 sh (+2.16%)
David Dreman Sold Out
Chuck Royce 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)
Jeremy Grantham Sold Out
Ray Dalio Sold Out
Paul Tudor Jones Sold Out
John Hussman Sold Out
Richard Pzena 80,124 sh (-0.17%)
Jim Simons 217,300 sh (-38.07%)
» More
Q4 2016

AIZ Guru Trades in Q4 2016

Paul Tudor Jones 19,056 sh (New)
Joel Greenblatt 4,115 sh (New)
Richard Pzena 80,124 sh (unchged)
Jim Simons 55,100 sh (-74.64%)
David Dreman 58 sh (-86.54%)
» 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    NAICS: 524298    SIC: 6321
Compare:NYSE:ORI, OTCPK:DIISY, NAS:ESGR, OTCPK:VNRFY, OTCPK:SNYFY, OTCPK:GJNSY, OTCPK:DGRLY, OTCPK:TPDKY, NYSE:KMPR, NYSE:GNW, NYSE:HMN, OTCPK:PWCDF, NYSE:GTS, OTCPK:NNGPF, OTCPK:CUII, OTCPK:SUND, OTCPK:AEGOF, NYSE:HIG, OTCPK:BBSEY, OTCPK:MSADY » 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
PE Ratio 10.86
AIZ's PE Ratio is ranked higher than
66% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.21 vs. AIZ: 10.86 )
Ranked among companies with meaningful PE Ratio only.
AIZ' s PE Ratio Range Over the Past 10 Years
Min: 4.68  Med: 10.08 Max: 48.48
Current: 10.86
4.68
48.48
PE Ratio without NRI 10.86
AIZ's PE Ratio without NRI is ranked higher than
68% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.30 vs. AIZ: 10.86 )
Ranked among companies with meaningful PE Ratio without NRI only.
AIZ' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.68  Med: 10.09 Max: 48.48
Current: 10.86
4.68
48.48
Price-to-Owner-Earnings 12.49
AIZ's Price-to-Owner-Earnings is ranked lower than
61% of the 87 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.70 vs. AIZ: 12.49 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AIZ' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.97  Med: 10.78 Max: 90.45
Current: 12.49
4.97
90.45
PB Ratio 1.37
AIZ's PB Ratio is ranked lower than
54% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. AIZ: 1.37 )
Ranked among companies with meaningful PB Ratio only.
AIZ' s PB Ratio Range Over the Past 10 Years
Min: 0.47  Med: 0.89 Max: 1.99
Current: 1.37
0.47
1.99
PS Ratio 0.81
AIZ's PS Ratio is ranked higher than
57% of the 168 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.91 vs. AIZ: 0.81 )
Ranked among companies with meaningful PS Ratio only.
AIZ' s PS Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.51 Max: 0.98
Current: 0.81
0.21
0.98
Price-to-Free-Cash-Flow 81.15
AIZ's Price-to-Free-Cash-Flow is ranked lower than
93% of the 97 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.90 vs. AIZ: 81.15 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AIZ' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.6  Med: 6.87 Max: 81.36
Current: 81.15
1.6
81.36
Price-to-Operating-Cash-Flow 38.39
AIZ's Price-to-Operating-Cash-Flow is ranked lower than
95% of the 110 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.23 vs. AIZ: 38.39 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AIZ' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.52  Med: 6.55 Max: 72.48
Current: 38.39
1.52
72.48
EV-to-EBIT 5.85
AIZ's EV-to-EBIT is ranked higher than
66% of the 128 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.03 vs. AIZ: 5.85 )
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: 20.8
Current: 5.85
1.7
20.8
EV-to-EBITDA 5.85
AIZ's EV-to-EBITDA is ranked higher than
62% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.27 vs. AIZ: 5.85 )
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: 20.8
Current: 5.85
1.7
20.8
PEG Ratio 3.06
AIZ's PEG Ratio is ranked lower than
86% of the 59 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.27 vs. AIZ: 3.06 )
Ranked among companies with meaningful PEG Ratio only.
AIZ' s PEG Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.7 Max: 985
Current: 3.06
0.14
985
Shiller PE Ratio 18.49
AIZ's Shiller PE Ratio is ranked lower than
54% of the 24 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.48 vs. AIZ: 18.49 )
Ranked among companies with meaningful Shiller PE Ratio only.
AIZ' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.9  Med: 12.98 Max: 18.54
Current: 18.49
7.9
18.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.09
AIZ's Dividend Yield % is ranked lower than
88% of the 286 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.26 vs. AIZ: 2.09 )
Ranked among companies with meaningful Dividend Yield % only.
AIZ' s Dividend Yield % Range Over the Past 10 Years
Min: 0.64  Med: 1.67 Max: 3.45
Current: 2.09
0.64
3.45
Dividend Payout Ratio 0.22
AIZ's Dividend Payout Ratio is ranked higher than
92% of the 132 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.43 vs. AIZ: 0.22 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AIZ' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.16 Max: 0.67
Current: 0.22
0.09
0.67
3-Year Dividend Growth Rate 28.40
AIZ's 3-Year Dividend Growth Rate is ranked higher than
84% of the 57 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.00 vs. AIZ: 28.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
AIZ' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 12.95 Max: 29.9
Current: 28.4
0
29.9
Forward Dividend Yield % 2.14
AIZ's Forward Dividend Yield % is ranked lower than
86% of the 272 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.95 vs. AIZ: 2.14 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.67
AIZ's 5-Year Yield-on-Cost % is ranked higher than
56% of the 283 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.50 vs. AIZ: 5.67 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
AIZ' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.74  Med: 4.53 Max: 9.36
Current: 5.67
1.74
9.36
3-Year Average Share Buyback Ratio 7.40
AIZ's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 78 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.80 vs. AIZ: 7.40 )
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: 5.1 Max: 12.3
Current: 7.4
-8.6
12.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.88
AIZ's Price-to-Tangible-Book is ranked lower than
62% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.48 vs. AIZ: 1.88 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AIZ' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.65  Med: 1.3 Max: 2.42
Current: 1.88
0.65
2.42
Price-to-Intrinsic-Value-Projected-FCF 0.70
AIZ's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
51% of the 59 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.69 vs. AIZ: 0.70 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AIZ' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.38 Max: 0.7
Current: 0.7
0.26
0.7
Price-to-Median-PS-Value 1.62
AIZ's Price-to-Median-PS-Value is ranked lower than
89% of the 155 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.00 vs. AIZ: 1.62 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AIZ' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.69  Med: 1.06 Max: 1.89
Current: 1.62
0.69
1.89
Price-to-Graham-Number 0.95
AIZ's Price-to-Graham-Number is ranked lower than
51% of the 129 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.90 vs. AIZ: 0.95 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AIZ' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.42  Med: 0.79 Max: 1.66
Current: 0.95
0.42
1.66
Earnings Yield (Greenblatt) % 17.13
AIZ's Earnings Yield (Greenblatt) % is ranked higher than
73% of the 164 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.80 vs. AIZ: 17.13 )
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: 17.13
4.8
58.6
Forward Rate of Return (Yacktman) % 4.54
AIZ's Forward Rate of Return (Yacktman) % is ranked lower than
74% of the 50 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.70 vs. AIZ: 4.54 )
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: 4.5  Med: 21.5 Max: 80
Current: 4.54
4.5
80

More Statistics

Revenue (TTM) (Mil) $7,532
EPS (TTM) $ 9.08
Beta0.58
Short Percentage of Float2.90%
52-Week Range $69.46 - 99.05
Shares Outstanding (Mil)55.64
» More Articles for AIZ

Headlines

Articles On GuruFocus.com
Undervalued Stocks With Low P/E Ratios Jan 19 2017 
23 Questions With David Merkel of Aleph Investments Dec 08 2016 
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 

More From Other Websites
ASSURANT INC Financials Feb 18 2017
ASSURANT INC Files SEC form 10-K, Annual Report Feb 14 2017
ETFs with exposure to Assurant, Inc. : February 14, 2017 Feb 14 2017
Assurant, Inc. breached its 50 day moving average in a Bullish Manner : AIZ-US : February 14, 2017 Feb 14 2017
Assurant, Inc. :AIZ-US: Earnings Analysis: 2016 By the Numbers : February 10, 2017 Feb 10 2017
Assurant, Inc. :AIZ-US: Earnings Analysis: Q4, 2016 By the Numbers : February 9, 2017 Feb 09 2017
Edited Transcript of AIZ earnings conference call or presentation 8-Feb-17 1:00pm GMT Feb 08 2017
Assurant's (AIZ) Q4 Earnings Beat, Revenues Miss Estimates Feb 08 2017
Assurant beats 4Q profit forecasts Feb 07 2017
Assurant beats 4Q profit forecasts Feb 07 2017
ASSURANT INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Feb 07 2017
Assurant Reports Fourth Quarter and Full-Year 2016 Financial Results Feb 07 2017
Q4 2016 Assurant Inc Earnings Release - After Market Close Feb 07 2017
Insurance Stock Q4 Earnings Slated for Feb 7: AIZ, GNW, CNO Feb 06 2017
What's in Store for Assurant (AIZ) this Earnings Season? Feb 03 2017
Assurant Partners with Vacasa to Provide Protection for Vacation Rental Owners Feb 02 2017
Assurant Announces New Reportable Segments and Related Changes to Quarterly Financial Supplement Jan 24 2017
Assurant, Inc. : AIZ-US: Dividend Analysis : November 28th, 2016 (record date) : By the numbers :... Jan 23 2017
ASSURANT INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements and... Jan 17 2017
Assurant Evolves Legal Department Roles Jan 17 2017

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