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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 0.91
AIZ's Cash to Debt is ranked lower than
78% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1984.20 vs. AIZ: 0.91 )
Ranked among companies with meaningful Cash to Debt only.
AIZ' s 10-Year Cash to Debt Range
Min: 0.49  Med: 0.98 Max: N/A
Current: 0.91
Equity to Asset 0.17
AIZ's Equity to Asset is ranked lower than
66% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. AIZ: 0.17 )
Ranked among companies with meaningful Equity to Asset only.
AIZ' s 10-Year Equity to Asset Range
Min: 0.11  Med: 0.16 Max: 0.2
Current: 0.17
0.11
0.2
Interest Coverage 12.74
AIZ's Interest Coverage is ranked lower than
69% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 651.33 vs. AIZ: 12.74 )
Ranked among companies with meaningful Interest Coverage only.
AIZ' s 10-Year Interest Coverage Range
Min: 8.85  Med: 11.70 Max: 9999.99
Current: 12.74
8.85
9999.99
F-Score: 5
WACC vs ROIC
2.35%
8.10%
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 (%) 5.62
AIZ's Operating margin (%) is ranked lower than
72% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.94 vs. AIZ: 5.62 )
Ranked among companies with meaningful Operating margin (%) only.
AIZ' s 10-Year Operating margin (%) Range
Min: 3.32  Med: 7.99 Max: 14.34
Current: 5.62
3.32
14.34
Net-margin (%) 3.64
AIZ's Net-margin (%) is ranked lower than
70% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.44 vs. AIZ: 3.64 )
Ranked among companies with meaningful Net-margin (%) only.
AIZ' s 10-Year Net-margin (%) Range
Min: -15.33  Med: 4.95 Max: 8.89
Current: 3.64
-15.33
8.89
ROE (%) 7.35
AIZ's ROE (%) is ranked lower than
65% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.47 vs. AIZ: 7.35 )
Ranked among companies with meaningful ROE (%) only.
AIZ' s 10-Year ROE (%) Range
Min: -33.33  Med: 9.91 Max: 19.05
Current: 7.35
-33.33
19.05
ROA (%) 1.25
AIZ's ROA (%) is ranked lower than
59% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.00 vs. AIZ: 1.25 )
Ranked among companies with meaningful ROA (%) only.
AIZ' s 10-Year ROA (%) Range
Min: -4.25  Med: 1.69 Max: 2.84
Current: 1.25
-4.25
2.84
ROC (Joel Greenblatt) (%) 238.66
AIZ's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 125 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 229.23 vs. AIZ: 238.66 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
AIZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 225.19  Med: 331.40 Max: 840.83
Current: 238.66
225.19
840.83
Revenue Growth (3Y)(%) 18.80
AIZ's Revenue Growth (3Y)(%) is ranked higher than
81% of the 105 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.30 vs. AIZ: 18.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AIZ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.9  Med: 5.40 Max: 18.8
Current: 18.8
-2.9
18.8
EBITDA Growth (3Y)(%) 12.70
AIZ's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 86 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. AIZ: 12.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AIZ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -9.2  Med: 14.70 Max: 59.6
Current: 12.7
-9.2
59.6
EPS Growth (3Y)(%) 5.30
AIZ's EPS Growth (3Y)(%) is ranked lower than
69% of the 81 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.00 vs. AIZ: 5.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AIZ' s 10-Year EPS Growth (3Y)(%) Range
Min: -22.5  Med: 14.85 Max: 48.4
Current: 5.3
-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 2014

AIZ Guru Trades in Q2 2014

David Dreman 1,360 sh (New)
Jim Simons 84,200 sh (New)
Ray Dalio 7,958 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
Q4 2014

AIZ Guru Trades in Q4 2014

Jim Simons 104,800 sh (+505.78%)
Chuck Royce 37,512 sh (+6.53%)
Richard Snow Sold Out
Paul Tudor Jones 13,603 sh (-1.53%)
John Hussman 171,000 sh (-2.29%)
David Dreman 1,348 sh (-6.91%)
Richard Pzena 347,892 sh (-57.35%)
Jeremy Grantham 18,100 sh (-62.00%)
» More
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
» 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

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.20
AIZ's P/E(ttm) is ranked lower than
53% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. AIZ: 14.20 )
Ranked among companies with meaningful P/E(ttm) only.
AIZ' s 10-Year P/E(ttm) Range
Min: 4.68  Med: 10.21 Max: 24.19
Current: 14.2
4.68
24.19
Forward P/E 11.60
AIZ's Forward P/E is ranked lower than
54% of the 46 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.79 vs. AIZ: 11.60 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.20
AIZ's PE(NRI) is ranked lower than
52% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. AIZ: 14.20 )
Ranked among companies with meaningful PE(NRI) only.
AIZ' s 10-Year PE(NRI) Range
Min: 4.68  Med: 10.21 Max: 24.17
Current: 14.2
4.68
24.17
P/B 0.99
AIZ's P/B is ranked higher than
64% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. AIZ: 0.99 )
Ranked among companies with meaningful P/B only.
AIZ' s 10-Year P/B Range
Min: 0.47  Med: 0.88 Max: 1.99
Current: 0.99
0.47
1.99
P/S 0.51
AIZ's P/S is ranked higher than
75% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 vs. AIZ: 0.51 )
Ranked among companies with meaningful P/S only.
AIZ' s 10-Year P/S Range
Min: 0.21  Med: 0.50 Max: 0.98
Current: 0.51
0.21
0.98
POCF 67.21
AIZ's POCF is ranked lower than
93% of the 98 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.33 vs. AIZ: 67.21 )
Ranked among companies with meaningful POCF only.
AIZ' s 10-Year POCF Range
Min: 1.52  Med: 6.33 Max: 67.21
Current: 67.21
1.52
67.21
EV-to-EBIT 7.84
AIZ's EV-to-EBIT is ranked higher than
57% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.95 vs. AIZ: 7.84 )
Ranked among companies with meaningful EV-to-EBIT only.
AIZ' s 10-Year EV-to-EBIT Range
Min: 1.9  Med: 5.90 Max: 14.7
Current: 7.84
1.9
14.7
PEG 0.97
AIZ's PEG is ranked higher than
57% of the 47 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 vs. AIZ: 0.97 )
Ranked among companies with meaningful PEG only.
AIZ' s 10-Year PEG Range
Min: 0.13  Med: 0.70 Max: 10.35
Current: 0.97
0.13
10.35
Shiller P/E 14.39
AIZ's Shiller P/E is ranked higher than
51% of the 55 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.10 vs. AIZ: 14.39 )
Ranked among companies with meaningful Shiller P/E only.
AIZ' s 10-Year Shiller P/E Range
Min: 4.35  Med: 8.53 Max: 14.4
Current: 14.39
4.35
14.4
Days Sales Outstanding 54.55
AIZ's Days Sales Outstanding is ranked lower than
67% of the 21 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 49.58 vs. AIZ: 54.55 )
Ranked among companies with meaningful Days Sales Outstanding only.
AIZ' s 10-Year Days Sales Outstanding Range
Min: 21.31  Med: 27.68 Max: 51.36
Current: 54.55
21.31
51.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.49
AIZ's Dividend Yield is ranked lower than
95% of the 222 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.93 vs. AIZ: 1.49 )
Ranked among companies with meaningful Dividend Yield only.
AIZ' s 10-Year Dividend Yield Range
Min: 0.47  Med: 1.57 Max: 3.45
Current: 1.49
0.47
3.45
Dividend Payout 0.20
AIZ's Dividend Payout is ranked higher than
88% of the 111 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.42 vs. AIZ: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
AIZ' s 10-Year Dividend Payout Range
Min: 0.05  Med: 0.11 Max: 1.5
Current: 0.2
0.05
1.5
Dividend growth (3y) 14.80
AIZ's Dividend growth (3y) is ranked higher than
63% of the 43 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.30 vs. AIZ: 14.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
AIZ' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 11.10 Max: 29.9
Current: 14.8
0
29.9
Yield on cost (5-Year) 2.79
AIZ's Yield on cost (5-Year) is ranked lower than
72% of the 218 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.01 vs. AIZ: 2.79 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AIZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.87  Med: 2.92 Max: 6.41
Current: 2.79
0.87
6.41
Share Buyback Rate 9.20
AIZ's Share Buyback Rate is ranked higher than
92% of the 61 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. AIZ: 9.20 )
Ranked among companies with meaningful Share Buyback Rate only.
AIZ' s 10-Year Share Buyback Rate Range
Min: 11.4  Med: 3.55 Max: -8.2
Current: 9.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
AIZ's Price/Tangible Book is ranked higher than
55% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.34 vs. AIZ: 1.30 )
Ranked among companies with meaningful Price/Tangible Book only.
AIZ' s 10-Year Price/Tangible Book Range
Min: 0.65  Med: 1.17 Max: 2.42
Current: 1.3
0.65
2.42
Price/Projected FCF 0.45
AIZ's Price/Projected FCF is ranked higher than
74% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.78 vs. AIZ: 0.45 )
Ranked among companies with meaningful Price/Projected FCF only.
AIZ' s 10-Year Price/Projected FCF Range
Min: 0.25  Med: 0.33 Max: 0.59
Current: 0.45
0.25
0.59
Price/DCF (Earnings Based) 1.22
AIZ's Price/DCF (Earnings Based) is ranked lower than
67% of the 3 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.74 vs. AIZ: 1.22 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.02
AIZ's Price/Median PS Value is ranked higher than
50% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.00 vs. AIZ: 1.02 )
Ranked among companies with meaningful Price/Median PS Value only.
AIZ' s 10-Year Price/Median PS Value Range
Min: 0.61  Med: 0.97 Max: 1.92
Current: 1.02
0.61
1.92
Price/Peter Lynch Fair Value 0.87
AIZ's Price/Peter Lynch Fair Value is ranked higher than
65% of the 31 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. AIZ: 0.87 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
AIZ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.32  Med: 0.68 Max: 1.2
Current: 0.87
0.32
1.2
Price/Graham Number 0.87
AIZ's Price/Graham Number is ranked lower than
52% of the 101 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. AIZ: 0.87 )
Ranked among companies with meaningful Price/Graham Number only.
AIZ' s 10-Year Price/Graham Number Range
Min: 0.39  Med: 0.75 Max: 1.29
Current: 0.87
0.39
1.29
Earnings Yield (Greenblatt) (%) 12.80
AIZ's Earnings Yield (Greenblatt) (%) is ranked higher than
63% of the 125 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.40 vs. AIZ: 12.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AIZ' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6.8  Med: 17.00 Max: 52.9
Current: 12.8
6.8
52.9
Forward Rate of Return (Yacktman) (%) 25.16
AIZ's Forward Rate of Return (Yacktman) (%) is ranked higher than
72% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.07 vs. AIZ: 25.16 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AIZ' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.2  Med: 25.40 Max: 81.1
Current: 25.16
3.2
81.1

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

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