Switch to:
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 1.06
AIZ's Cash to Debt is ranked lower than
82% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 1.06 )
Ranked among companies with meaningful Cash to Debt only.
AIZ' s Cash to Debt Range Over the Past 10 Years
Min: 0.49  Med: 1.06 Max: N/A
Current: 1.06
Equity to Asset 0.16
AIZ's Equity to Asset is ranked lower than
69% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.25 vs. AIZ: 0.16 )
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: 0.2
Current: 0.16
0.11
0.2
Interest Coverage 11.36
AIZ's Interest Coverage is ranked lower than
77% of the 176 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 11.36 )
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: 11.36
3.65
18.89
F-Score: 3
WACC vs ROIC
5.20%
11.66%
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 (%) 7.21
AIZ's Operating margin (%) is ranked lower than
52% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.66 vs. AIZ: 7.21 )
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: 7.21
1.95
14.34
Net-margin (%) 4.97
AIZ's Net-margin (%) is ranked lower than
55% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.32 vs. AIZ: 4.97 )
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: 4.97
1.37
8.89
ROE (%) 9.66
AIZ's ROE (%) is ranked higher than
57% of the 172 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.54 vs. AIZ: 9.66 )
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: 9.66
2.92
19.05
ROA (%) 1.48
AIZ's ROA (%) is ranked lower than
55% of the 172 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.87 vs. AIZ: 1.48 )
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: 1.48
0.46
2.84
Revenue Growth (3Y)(%) 14.50
AIZ's Revenue Growth (3Y)(%) is ranked higher than
72% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.50 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
82% of the 111 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.80 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
89% of the 111 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.70 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 (Next Earnings Date: Est. 2016-10-27)


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

» Details

Guru Trades

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
Q1 2016

AIZ Guru Trades in Q1 2016

John Hussman 50,000 sh (New)
Paul Tudor Jones 7,000 sh (New)
Louis Moore Bacon 150,000 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

Ray Dalio 3,246 sh (New)
David Dreman 431 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
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Insurance » Insurance - Diversified
Compare:OTCPK:BLHEY, NYSE:ORI, OTCPK:SNYFY, OTCPK:DIISY, OTCPK:IDLLF, NAS:ESGR, OTCPK:TPDKY, NYSE:GNW, OTCPK:GJNSY, NYSE:KMPR, OTCPK:PWCDF, OTCPK:NNGPF, NYSE:HMN, NYSE:GTS, OTCPK:SUND, NYSE:AEG, NYSE:HIG, OTCPK:MSADY, OTCPK:BBSEY, OTCPK:ARZGF » 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) 12.73
AIZ's P/E(ttm) is ranked higher than
53% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.32 vs. AIZ: 12.73 )
Ranked among companies with meaningful P/E(ttm) only.
AIZ' s P/E(ttm) Range Over the Past 10 Years
Min: 4.68  Med: 10.22 Max: 48.48
Current: 12.73
4.68
48.48
PE(NRI) 12.73
AIZ's PE(NRI) is ranked higher than
52% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.18 vs. AIZ: 12.73 )
Ranked among companies with meaningful PE(NRI) only.
AIZ' s PE(NRI) Range Over the Past 10 Years
Min: 4.68  Med: 10.22 Max: 48.48
Current: 12.73
4.68
48.48
Price/Owner Earnings (ttm) 14.59
AIZ's Price/Owner Earnings (ttm) is ranked lower than
67% of the 81 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.07 vs. AIZ: 14.59 )
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: 10.68 Max: 90.45
Current: 14.59
4.97
90.45
P/B 1.14
AIZ's P/B is ranked lower than
53% of the 171 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 vs. AIZ: 1.14 )
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: 1.14
0.47
1.99
P/S 0.65
AIZ's P/S is ranked higher than
67% of the 169 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.97 vs. AIZ: 0.65 )
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: 0.65
0.21
0.98
EV-to-EBIT 6.68
AIZ's EV-to-EBIT is ranked higher than
62% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.59 vs. AIZ: 6.68 )
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: 6.68
1.7
20.9
EV-to-EBITDA 6.68
AIZ's EV-to-EBITDA is ranked higher than
56% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.45 vs. AIZ: 6.68 )
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: 6.68
1.7
20.9
Shiller P/E 16.24
AIZ's Shiller P/E is ranked lower than
63% of the 24 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.86 vs. AIZ: 16.24 )
Ranked among companies with meaningful Shiller P/E only.
AIZ' s Shiller P/E Range Over the Past 10 Years
Min: 7.94  Med: 12.83 Max: 17.42
Current: 16.24
7.94
17.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.04
AIZ's Dividend Yield is ranked lower than
87% of the 246 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.46 vs. AIZ: 2.04 )
Ranked among companies with meaningful Dividend Yield only.
AIZ' s Dividend Yield Range Over the Past 10 Years
Min: 0.64  Med: 1.64 Max: 3.45
Current: 2.04
0.64
3.45
Dividend Payout 0.26
AIZ's Dividend Payout is ranked higher than
96% of the 126 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.50 vs. AIZ: 0.26 )
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: 0.26
0.05
1.67
Dividend Growth (3y) 19.10
AIZ's Dividend Growth (3y) is ranked higher than
71% of the 56 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: 11.1 Max: 29.9
Current: 19.1
0
29.9
Forward Dividend Yield 2.30
AIZ's Forward Dividend Yield is ranked lower than
84% of the 232 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.64 vs. AIZ: 2.30 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.36
AIZ's Yield on cost (5-Year) is ranked lower than
64% of the 256 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.88 vs. AIZ: 4.36 )
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: 3.5 Max: 7.37
Current: 4.36
1.37
7.37
3-Year Average Share Buyback Ratio 5.80
AIZ's 3-Year Average Share Buyback Ratio is ranked higher than
90% of the 81 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 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 1.52
AIZ's Price/Tangible Book is ranked lower than
60% of the 168 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.24 vs. AIZ: 1.52 )
Ranked among companies with meaningful Price/Tangible Book only.
AIZ' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.65  Med: 1.23 Max: 2.42
Current: 1.52
0.65
2.42
Price/Projected FCF 0.59
AIZ's Price/Projected FCF is ranked higher than
53% of the 62 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.59 vs. AIZ: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
AIZ' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.36 Max: 0.78
Current: 0.59
0.26
0.78
Price/Median PS Value 1.27
AIZ's Price/Median PS Value is ranked lower than
85% of the 155 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.92 vs. AIZ: 1.27 )
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: 0.99 Max: 1.89
Current: 1.27
0.6
1.89
Price/Graham Number 0.93
AIZ's Price/Graham Number is ranked lower than
54% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.84 vs. AIZ: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
AIZ' s Price/Graham Number Range Over the Past 10 Years
Min: 0.41  Med: 0.81 Max: 1.72
Current: 0.93
0.41
1.72
Earnings Yield (Greenblatt) (%) 15.07
AIZ's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 163 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.40 vs. AIZ: 15.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AIZ' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.8  Med: 18.4 Max: 58.6
Current: 15.07
4.8
58.6
Forward Rate of Return (Yacktman) (%) 5.69
AIZ's Forward Rate of Return (Yacktman) (%) is ranked lower than
67% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 15.64 vs. AIZ: 5.69 )
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: 22.1 Max: 75.8
Current: 5.69
4.8
75.8

More Statistics

Revenue (TTM) (Mil) $9,027
EPS (TTM) $ 6.90
Beta0.55
Short Percentage of Float2.10%
52-Week Range $64.37 - 89.22
Shares Outstanding (Mil)60.20

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
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 
15 Cheapest Share Buyback Achiever with Growth Potential Jun 26 2013 

More From Other Websites
Why Monetary Policy Still Has a Role to Play Aug 16 2016
Assurant, Inc. breached its 50 day moving average in a Bullish Manner : AIZ-US : August 16, 2016 Aug 16 2016
ETF’s with exposure to Assurant, Inc. : August 11, 2016 Aug 11 2016
ASSURANT INC Financials Aug 09 2016
Assurant, Inc. :AIZ-US: Earnings Analysis: Q2, 2016 By the Numbers : August 9, 2016 Aug 09 2016
ASSURANT INC Files SEC form 10-Q, Quarterly Report Aug 02 2016
Assurant Named a Ward's 50 Top Performing P&C Insurer for 10th Consecutive Year Aug 02 2016
Assurant Named a Ward’s 50 Top Performing P&C Insurer for 10th Consecutive Year Aug 02 2016
Edited Transcript of AIZ earnings conference call or presentation 27-Jul-16 12:00pm GMT Jul 27 2016
Assurant's (AIZ) Q2 Earnings Top, Revenues Lag Estimates Jul 27 2016
Assurant Reports Second Quarter 2016 Financial Results Jul 26 2016
Assurant beats 2Q profit forecasts Jul 26 2016
Assurant beats 2Q profit forecasts Jul 26 2016
ASSURANT INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jul 26 2016
Assurant Reports Second Quarter 2016 Financial Results Jul 26 2016
Q2 2016 Assurant Inc Earnings Release - After Market Close Jul 26 2016
Air New Zealand Ltd. :AIZ-AU: Earnings Analysis: For the six months ended December 31, 2015 : July... Jul 25 2016
Assurant (AIZ) Q2 Earnings Beat Unlikely: Stock at Risk? Jul 22 2016
Assurant Announces $1.4 Billion 2016 Property Catastrophe Reinsurance Program to Protect 2.4 Million... Jul 13 2016
ASSURANT INC Files SEC form 8-K, Regulation FD Disclosure Jul 13 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)