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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry
vs
history
Cash to Debt 0.935
AIZ's Cash to Debt is ranked higher than
65% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.69 vs. AIZ: 0.935 )
AIZ' s 10-Year Cash to Debt Range
Min: 0.53   Max: No Debt
Current: 0.94

Equity to Asset 0.146
AIZ's Equity to Asset is ranked higher than
57% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.14 vs. AIZ: 0.146 )
AIZ' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.16
Current: 0.15

0.08
0.16
Interest Coverage 12.6
AIZ's Interest Coverage is ranked lower than
65% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. AIZ: 12.6 )
AIZ' s 10-Year Interest Coverage Range
Min: 9   Max: No Debt
Current: 12.6

F-Score: 5
Z-Score: 0.65
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 8/10

vs
industry
vs
history
Operating margin (%) 8.90
AIZ's Operating margin (%) is ranked higher than
68% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.85 vs. AIZ: 8.90 )
AIZ' s 10-Year Operating margin (%) Range
Min: 3.3   Max: 14.3
Current: 8.9

3.3
14.3
Net-margin (%) 5.7
AIZ's Net-margin (%) is ranked higher than
59% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.40 vs. AIZ: 5.7 )
AIZ' s 10-Year Net-margin (%) Range
Min: -15.3   Max: 8.9
Current: 5.7

-15.3
8.9
ROE (%) 9.3
AIZ's ROE (%) is ranked higher than
59% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.40 vs. AIZ: 9.3 )
AIZ' s 10-Year ROE (%) Range
Min: -39.2   Max: 18.7
Current: 9.3

-39.2
18.7
ROA (%) 1.7
AIZ's ROA (%) is ranked higher than
62% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.20 vs. AIZ: 1.7 )
AIZ' s 10-Year ROA (%) Range
Min: -4.4   Max: 2.9
Current: 1.7

-4.4
2.9
Revenue Growth (%) 8
AIZ's Revenue Growth (%) is ranked higher than
65% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.50 vs. AIZ: 8 )
AIZ' s 10-Year Revenue Growth (%) Range
Min: -2.2   Max: 8
Current: 8

-2.2
8
EBITDA Growth (%) 10.6
AIZ's EBITDA Growth (%) is ranked higher than
89% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -3.45 vs. AIZ: 10.6 )
AIZ' s 10-Year EBITDA Growth (%) Range
Min: -9.4   Max: 36.1
Current: 10.6

-9.4
36.1
EPS Growth (%) 11.8
AIZ's EPS Growth (%) is ranked higher than
81% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.90 vs. AIZ: 11.8 )
AIZ' s 10-Year EPS Growth (%) Range
Min: -17.4   Max: 34.5
Current: 11.8

-17.4
34.5
ยป AIZ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2012

AIZ Guru Trades in Q2 2012

Chuck Royce 51,959 sh (+1717.38%)
Jeremy Grantham 291,705 sh (+26.33%)
Paul Tudor Jones 34,800 sh (+10.48%)
Jim Simons Sold Out
Diamond Hill Capital 1,683,615 sh (-0.49%)
Steven Cohen 14,579 sh (-41.61%)
» More
Q3 2012

AIZ Guru Trades in Q3 2012

Richard Snow 11,660 sh (New)
Joel Greenblatt 7,908 sh (New)
Chuck Royce 62,059 sh (+19.44%)
Diamond Hill Capital 1,731,736 sh (+2.86%)
Steven Cohen Sold Out
Jeremy Grantham 275,205 sh (-5.66%)
Paul Tudor Jones 16,200 sh (-53.45%)
» More
Q4 2012

AIZ Guru Trades in Q4 2012

Richard Pzena 1,064,590 sh (New)
Steven Cohen 160,071 sh (New)
Richard Snow 23,845 sh (+104.5%)
Paul Tudor Jones 33,100 sh (+104.32%)
Diamond Hill Capital 1,752,895 sh (+1.22%)
Joel Greenblatt 7,913 sh (+0.06%)
Jeremy Grantham 319,063 sh (unchged)
Chuck Royce 57,759 sh (-6.93%)
» More
Q1 2013

AIZ Guru Trades in Q1 2013

HOTCHKIS & WILEY 2,653,144 sh (New)
Richard Snow 47,890 sh (+100.84%)
Richard Pzena 1,328,179 sh (+24.76%)
Chuck Royce 61,859 sh (+7.1%)
Joel Greenblatt 8,117 sh (+2.58%)
Steven Cohen Sold Out
Jeremy Grantham 260,755 sh (-18.27%)
Diamond Hill Capital 1,162,402 sh (-33.69%)
Paul Tudor Jones 10,500 sh (-68.28%)
» More
» Details

Insider Trades

Latest Guru Trades with AIZ

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2013-03-31 New Buy0.61%$34.7 - $45.01 $ 49.8424%2653144
Richard Pzena 2013-03-31 Add 24.76%0.08%$34.7 - $45.01 $ 49.8424%1328179
Richard Snow 2013-03-31 Add 100.84%0.05%$34.7 - $45.01 $ 49.8424%47890
Richard Pzena 2012-12-31 New Buy0.3%$33.83 - $41 $ 49.8436%1064590
Richard Snow 2012-12-31 Add 104.5%0.02%$33.83 - $41 $ 49.8436%23845
Richard Snow 2012-09-30 New Buy0.02%$33.06 - $38.16 $ 49.8440%11660
Joel Greenblatt 2012-09-30 New Buy0.02%$33.06 - $38.16 $ 49.8440%7908
Premium More recent guru trades are included for Premium Members only!!

Top Ranked Articles about Assurant Inc

Guru Richard Pzena's Top Q4 Stock Buys Richard Pzena - Guru Richard Pzena's Top Q4 Stock Buys
Pzena Investment Management is a global investment management firm with $18.6 billion in assets managed, which Richard Pzena founded using classic value investing principles. In its portfolio containing 124 stocks, it chose 7 new ones in the fourth quarter, the largest of which are: Assurant Inc. (AIZ), Aetna Inc. (AET) and Anixter International Inc. (AXE). Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 9.50
AIZ's P/E(ttm) is ranked higher than
89% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.13 vs. AIZ: 9.50 )
AIZ' s 10-Year P/E(ttm) Range
Min: 4.68   Max: 24.17
Current: 9.5

4.68
24.17
P/B 0.76
AIZ's P/B is ranked higher than
73% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.88 vs. AIZ: 0.76 )
AIZ' s 10-Year P/B Range
Min: 0.48   Max: 2.02
Current: 0.76

0.48
2.02
P/S 0.48
AIZ's P/S is ranked higher than
73% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.58 vs. AIZ: 0.48 )
AIZ' s 10-Year P/S Range
Min: 0.21   Max: 0.98
Current: 0.48

0.21
0.98
PFCF 6.20
AIZ's PFCF is ranked higher than
62% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.68 vs. AIZ: 6.20 )
AIZ' s 10-Year PFCF Range
Min: 1.59   Max: 17.78
Current: 6.2

1.59
17.78
EV-to-EBIT 7.65
AIZ's EV-to-EBIT is ranked higher than
92% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.65 vs. AIZ: 7.65 )
AIZ' s 10-Year EV-to-EBIT Range
Min: 2.8   Max: 14.7
Current: 7.65

2.8
14.7
PEG 0.58
AIZ's PEG is ranked lower than
80% of the 35 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.34 vs. AIZ: 0.58 )
AIZ' s 10-Year PEG Range
Min: 0.14   Max: 15.76
Current: 0.58

0.14
15.76
Shiller P/E 10.72
AIZ's Shiller P/E is ranked higher than
86% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. AIZ: 10.72 )
AIZ' s 10-Year Shiller P/E Range
Min: 4.36   Max: 10.72
Current: 10.72

4.36
10.72

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.69
AIZ's Dividend Yield is ranked lower than
51% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.80 vs. AIZ: 1.69 )
AIZ' s 10-Year Dividend Yield Range
Min: 0.27   Max: 3.45
Current: 1.69

0.27
3.45
Dividend Payout 0.2
AIZ's Dividend Payout is ranked higher than
95% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.39 vs. AIZ: 0.2 )
AIZ' s 10-Year Dividend Payout Range
Min: 0.07   Max: 0.25
Current: 0.2

0.07
0.25
Dividend growth (3y) 8.2
AIZ's Dividend growth (3y) is ranked higher than
95% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -26.00 vs. AIZ: 8.2 )
AIZ' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 21.7
Current: 8.2

0
21.7
Yield on cost (5-Year) 2.78
AIZ's Yield on cost (5-Year) is ranked higher than
81% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.80 vs. AIZ: 2.78 )
AIZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.44   Max: 5.63
Current: 2.78

0.44
5.63
Share Buyback Rate 7.9
AIZ's Share Buyback Rate is ranked higher than
84% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.40 vs. AIZ: 7.9 )
AIZ' s 10-Year Share Buyback Rate Range
Min: 7.9   Max: -6.1
Current: 7.9

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 10.3
AIZ's Price/Net Current Asset Value is ranked higher than
95% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.60 vs. AIZ: 10.3 )
AIZ' s 10-Year Price/Net Current Asset Value Range
Min: 2.2   Max: 31.1
Current: 10.3

2.2
31.1
Price/Tangible Book 0.9
AIZ's Price/Tangible Book is ranked higher than
59% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.85 vs. AIZ: 0.9 )
AIZ' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 2.5
Current: 0.9

0.7
2.5
Price/DCF (Projected) 0.3
AIZ's Price/DCF (Projected) is ranked higher than
78% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.30 vs. AIZ: 0.3 )
AIZ' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.4
Current: 0.3

0.2
0.4
Price/Median PS Value 0.9
AIZ's Price/Median PS Value is ranked higher than
57% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.90 vs. AIZ: 0.9 )
AIZ' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.9
Current: 0.9

0.7
1.9
Price/Peter Lynch Fair Value 1.1
AIZ's Price/Peter Lynch Fair Value is ranked lower than
100% of the Companies
in the Global Insurance - Diversified industry.

( Industry Median: vs. AIZ: 1.1 )
AIZ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3   Max: 1
Current: 1.1

0.3
1
Price/Graham Number 0.5
AIZ's Price/Graham Number is ranked higher than
54% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.55 vs. AIZ: 0.5 )
AIZ' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.2
Current: 0.5

0.4
1.2
Earnings Yield (Greenblatt) 13.10
AIZ's Earnings Yield (Greenblatt) is ranked higher than
97% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.20 vs. AIZ: 13.10 )
AIZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.8   Max: 35.6
Current: 13.1

6.8
35.6
Forward Rate of Return (Yacktman) 22.17
AIZ's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.21 vs. AIZ: 22.17 )
AIZ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3   Max: 79.6
Current: 22.17

3
79.6

Business Description

Assurant Inc is a Delaware corporation, formed 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. These segments provide debt protection administration; credit insurance; warranties and service contracts; pre-funded funeral insurance; creditor-placed homeowners insurance; manufactured housing homeowners insurance; individual health and small employer group health insurance; group dental insurance; group disability insurance and group life insurance. Assurant pursue a differentiated strategy of building positions in specialized market segments for insurance products and related services in North America as well as selected international markets. Assurant Solutions targets growth in three key product areas: extended service contracts and warranties, both domestically and internationally; preneed life insurance and international credit insurance. In addition, it offers debt protection/debt deferment services through financial institutions. Assurant Specialty Property's business strategy is to pursue long-term growth in creditor-placed homeowners insurance and expand its strategy into two emerging markets, creditor-placed automobile and renters insurance. Assurant Specialty Property also writes other specialty products. Creditor-placed and voluntary homeowners insurance: The product line within Assurant Specialty Property is homeowners insurance, consisting mainly of fire and dwelling hazard insurance offered mainly through its creditor-placed programs. Creditor-placed and voluntary manufactured housing insurance: The next product line within Assurant Specialty Property is manufactured housing insurance, offered on a creditor-placed and voluntary basis. In business since 1892, Assurant Health is focused on pursuing long-term profitable growth opportunities in the individual medical market by offering medical insurance, short-term medical insurance and student medical plans to individuals and families. Assurant Health also offers medical insurance to small employer groups. Individual Medical: The Company's medical insurance products are sold to individuals, mainly between the ages of 18 and 64 and their families, who do not have employer-sponsored coverage. Short-term Medical Insurance and Student Health Insurance: Assurant's short-term medical insurance product is designed for individuals who are between jobs or seeking interim coverage before their major medical coverage becomes effective. Short-term medical insurance products are generally sold to individuals in order to fill gaps in coverage of twelve months or less. Small Employer Group Medical: The Company's group medica
Company Website
SEC Reports
Industry: Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, ZFSVF, ING
Traded in other countries:ZAS.Germany

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