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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.93
AIZ's Cash-to-Debt is ranked lower than
86% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 0.93 )
Ranked among companies with meaningful Cash-to-Debt only.
AIZ' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.49  Med: 0.96 Max: 1.46
Current: 0.93
0.49
1.46
Equity-to-Asset 0.13
AIZ's Equity-to-Asset is ranked lower than
74% of the 190 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. AIZ: 0.13 )
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: 0.13
0.11
0.19
Debt-to-Equity 0.26
AIZ's Debt-to-Equity is ranked lower than
54% of the 82 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. AIZ: 0.26 )
Ranked among companies with meaningful Debt-to-Equity only.
AIZ' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.19  Med: 0.25 Max: 0.36
Current: 0.26
0.19
0.36
Debt-to-EBITDA 2.73
AIZ's Debt-to-EBITDA is ranked lower than
54% of the 89 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.43 vs. AIZ: 2.73 )
Ranked among companies with meaningful Debt-to-EBITDA only.
AIZ' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.86  Med: 1.18 Max: 2.96
Current: 2.73
0.86
2.96
Interest Coverage 6.67
AIZ's Interest Coverage is ranked lower than
78% of the 190 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AIZ: 6.67 )
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: 6.67
3.65
16.53
WACC vs ROIC
5.53%
5.82%
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 : 5/10

vs
industry
vs
history
Operating Margin % 5.25
AIZ's Operating Margin % is ranked higher than
52% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.30 vs. AIZ: 5.25 )
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: 5.25
1.95
11.96
Net Margin % 3.67
AIZ's Net Margin % is ranked lower than
57% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.74 vs. AIZ: 3.67 )
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: 3.67
1.37
7.73
ROE % 5.63
AIZ's ROE % is ranked lower than
51% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.23 vs. AIZ: 5.63 )
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: 5.63
2.92
16.51
ROA % 0.78
AIZ's ROA % is ranked lower than
61% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.46 vs. AIZ: 0.78 )
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: 0.78
0.46
2.52
3-Year Revenue Growth Rate 1.40
AIZ's 3-Year Revenue Growth Rate is ranked lower than
70% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.60 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
69% of the 156 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.50 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
63% of the 154 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.30 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 3 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 30-Y Financials

Financials (Next Earnings Date: 2018-02-07)


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

» Details

Guru Trades

Q4 2016

AIZ Guru Trades in Q4 2016

Joel Greenblatt 4,115 sh (New)
Paul Tudor Jones 19,056 sh (New)
Richard Pzena 80,124 sh (unchged)
Jim Simons 55,100 sh (-74.64%)
David Dreman 58 sh (-86.54%)
» More
Q1 2017

AIZ Guru Trades in Q1 2017

Ray Dalio 19,819 sh (New)
Jim Simons Sold Out
Richard Pzena Sold Out
David Dreman Sold Out
Joel Greenblatt 4,093 sh (-0.53%)
Paul Tudor Jones 13,247 sh (-30.48%)
» More
Q2 2017

AIZ Guru Trades in Q2 2017

Jim Simons 9,000 sh (New)
Caxton Associates 4,800 sh (New)
David Dreman 58 sh (New)
Paul Tudor Jones Sold Out
Ray Dalio Sold Out
Joel Greenblatt 2,479 sh (-39.43%)
» More
Q3 2017

AIZ Guru Trades in Q3 2017

Paul Tudor Jones 2,142 sh (New)
Steven Cohen 6,400 sh (New)
Joel Greenblatt 2,945 sh (+18.80%)
Caxton Associates 5,300 sh (+10.42%)
Jim Simons 9,400 sh (+4.44%)
David Dreman 58 sh (unchged)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2017-09-30 Add 18.80%$87.74 - $106.27 $ 94.81-5%2,945
Joel Greenblatt 2017-06-30 Reduce -39.43%$92.68 - $105.3 $ 94.81-5%2,479
David Dreman 2017-06-30 New Buy$92.68 - $105.3 $ 94.81-5%58
Joel Greenblatt 2017-03-31 Reduce -0.53%$90.45 - $100.85 $ 94.81-2%4,093
Richard Pzena 2017-03-31 Sold Out 0.04%$90.45 - $100.85 $ 94.81-2%0
David Dreman 2017-03-31 Sold Out $90.45 - $100.85 $ 94.81-2%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Insurance » Insurance - Diversified    NAICS: 524298    SIC: 6321
Compare:XSWX:HELN, NYSE:ORI, TSX:IAG, BSP:BBSE3, JSE:RMI, SAU:8240, XAMS:ASRNL, MIL:US, LSE:DLG, NAS:ESGR, ASX:MPL, WBO:VIG, XSWX:BALN, BSP:PSSA3, OCSE:TOP, NYSE:KMPR, OCSE:TRYG, MIC:RGSS, XKRX:001450, BOM:540769 » details
Traded in other countries:ZAS.Germany,
Headquarter Location:USA
Assurant Inc is a provider of specialized insurance products and related services in North America and selected other international markets.

Diversified insurer Assurant offers a range of property-casualty, health, employee benefit, and warranty insurance to a client base made up of individuals and institutions. The firm's products insure homeowners, creditors, employee health expenses, and group disability payments. Products are distributed by agents and brokers.

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Ratios

vs
industry
vs
history
PE Ratio 22.00
AIZ's PE Ratio is ranked lower than
51% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.24 vs. AIZ: 22.00 )
Ranked among companies with meaningful PE Ratio only.
AIZ' s PE Ratio Range Over the Past 10 Years
Min: 4.68  Med: 10.15 Max: 48.48
Current: 22
4.68
48.48
PE Ratio without NRI 22.00
AIZ's PE Ratio without NRI is ranked higher than
50% of the 174 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.36 vs. AIZ: 22.00 )
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: 10.15 Max: 48.48
Current: 22
4.68
48.48
Price-to-Owner-Earnings 31.70
AIZ's Price-to-Owner-Earnings is ranked lower than
72% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.16 vs. AIZ: 31.70 )
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: 10.97 Max: 90.45
Current: 31.7
4.97
90.45
PB Ratio 1.23
AIZ's PB Ratio is ranked higher than
52% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. AIZ: 1.23 )
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: 1.23
0.47
1.99
PS Ratio 0.82
AIZ's PS Ratio is ranked higher than
61% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.10 vs. AIZ: 0.82 )
Ranked among companies with meaningful PS Ratio only.
AIZ' s PS Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.5 Max: 0.98
Current: 0.82
0.21
0.98
Price-to-Free-Cash-Flow 10.44
AIZ's Price-to-Free-Cash-Flow is ranked lower than
65% of the 118 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.11 vs. AIZ: 10.44 )
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: 1.59  Med: 6.87 Max: 70.44
Current: 10.44
1.59
70.44
Price-to-Operating-Cash-Flow 9.32
AIZ's Price-to-Operating-Cash-Flow is ranked lower than
68% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.11 vs. AIZ: 9.32 )
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: 6.56 Max: 83.76
Current: 9.32
1.52
83.76
EV-to-EBIT 12.23
AIZ's EV-to-EBIT is ranked higher than
55% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.44 vs. AIZ: 12.23 )
Ranked among companies with meaningful EV-to-EBIT only.
AIZ' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.7  Med: 5.3 Max: 20.5
Current: 12.23
1.7
20.5
EV-to-EBITDA 12.23
AIZ's EV-to-EBITDA is ranked higher than
51% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.29 vs. AIZ: 12.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
AIZ' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.7  Med: 5.3 Max: 20.5
Current: 12.23
1.7
20.5
EV-to-Revenue 0.74
AIZ's EV-to-Revenue is ranked higher than
56% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.96 vs. AIZ: 0.74 )
Ranked among companies with meaningful EV-to-Revenue only.
AIZ' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.1  Med: 0.4 Max: 0.9
Current: 0.74
0.1
0.9
PEG Ratio 6.29
AIZ's PEG Ratio is ranked lower than
86% of the 70 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.09 vs. AIZ: 6.29 )
Ranked among companies with meaningful PEG Ratio only.
AIZ' s PEG Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.69 Max: 75.78
Current: 6.29
0.14
75.78
Shiller PE Ratio 17.91
AIZ's Shiller PE Ratio is ranked higher than
60% of the 25 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.91 vs. AIZ: 17.91 )
Ranked among companies with meaningful Shiller PE Ratio only.
AIZ' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.9  Med: 13.44 Max: 19.15
Current: 17.91
7.9
19.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.27
AIZ's Dividend Yield % is ranked lower than
83% of the 271 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.10 vs. AIZ: 2.27 )
Ranked among companies with meaningful Dividend Yield % only.
AIZ' s Dividend Yield % Range Over the Past 10 Years
Min: 0.66  Med: 1.75 Max: 3.45
Current: 2.27
0.66
3.45
Dividend Payout Ratio 0.48
AIZ's Dividend Payout Ratio is ranked higher than
84% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.46 vs. AIZ: 0.48 )
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: 0.48
0.09
0.67
3-Year Dividend Growth Rate 28.40
AIZ's 3-Year Dividend Growth Rate is ranked higher than
89% of the 87 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.40 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 % 2.39
AIZ's Forward Dividend Yield % is ranked lower than
84% of the 256 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.24 vs. AIZ: 2.39 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.16
AIZ's 5-Year Yield-on-Cost % is ranked higher than
60% of the 303 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.00 vs. AIZ: 6.16 )
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: 1.79  Med: 4.75 Max: 9.36
Current: 6.16
1.79
9.36
3-Year Average Share Buyback Ratio 8.00
AIZ's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 106 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. AIZ: 8.00 )
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: 8
-8.6
12.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.77
AIZ's Price-to-Tangible-Book is ranked lower than
57% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.48 vs. AIZ: 1.77 )
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: 1.31 Max: 2.42
Current: 1.77
0.65
2.42
Price-to-Intrinsic-Value-Projected-FCF 0.67
AIZ's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
55% of the 67 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.74 vs. AIZ: 0.67 )
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: 0.25  Med: 0.37 Max: 0.76
Current: 0.67
0.25
0.76
Price-to-Median-PS-Value 1.64
AIZ's Price-to-Median-PS-Value is ranked lower than
89% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.02 vs. AIZ: 1.64 )
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: 0.61  Med: 1.05 Max: 1.92
Current: 1.64
0.61
1.92
Price-to-Graham-Number 1.32
AIZ's Price-to-Graham-Number is ranked lower than
58% of the 165 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.90 vs. AIZ: 1.32 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AIZ' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.41  Med: 0.86 Max: 1.72
Current: 1.32
0.41
1.72
Earnings Yield (Greenblatt) % 8.18
AIZ's Earnings Yield (Greenblatt) % is ranked higher than
63% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.05 vs. AIZ: 8.18 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AIZ' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.9  Med: 18.7 Max: 58.6
Current: 8.18
4.9
58.6
Forward Rate of Return (Yacktman) % 5.32
AIZ's Forward Rate of Return (Yacktman) % is ranked lower than
63% of the 72 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.19 vs. AIZ: 5.32 )
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: 4.4  Med: 20.4 Max: 80.5
Current: 5.32
4.4
80.5

More Statistics

Revenue (TTM) (Mil) $6,490.78
EPS (TTM) $ 4.31
Beta0.57
Short Percentage of Float1.64%
52-Week Range $86.00 - 106.99
Shares Outstanding (Mil)52.59

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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