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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.65
AIZ's Cash-to-Debt is ranked lower than
86% of the 200 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. AIZ: 0.65 )
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: 0.65
0.49
1.46
Equity-to-Asset 0.12
AIZ's Equity-to-Asset is ranked lower than
76% of the 198 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.25 vs. AIZ: 0.12 )
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: 0.12
0.11
0.19
Debt-to-Equity 0.38
AIZ's Debt-to-Equity is ranked lower than
51% of the 84 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.21 vs. AIZ: 0.38 )
Ranked among companies with meaningful Debt-to-Equity only.
AIZ' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.19  Med: 0.26 Max: 0.45
Current: 0.38
0.19
0.45
Debt-to-EBITDA 3.75
AIZ's Debt-to-EBITDA is ranked lower than
60% of the 95 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. AIZ: 3.75 )
Ranked among companies with meaningful Debt-to-EBITDA only.
AIZ' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.03  Med: 1.25 Max: 2.98
Current: 3.75
1.03
2.98
WACC vs ROIC
6.70%
13.92%
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 : 3/10

vs
industry
vs
history
Net Margin % 7.33
AIZ's Net Margin % is ranked higher than
51% of the 200 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.01 vs. AIZ: 7.33 )
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: 8.23
Current: 7.33
1.37
8.23
ROE % 11.30
AIZ's ROE % is ranked higher than
58% of the 200 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.53 vs. AIZ: 11.30 )
Ranked among companies with meaningful ROE % only.
AIZ' s ROE % Range Over the Past 10 Years
Min: 2.92  Med: 9.91 Max: 13.11
Current: 11.3
2.92
13.11
ROA % 1.48
AIZ's ROA % is ranked lower than
60% of the 200 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.31 vs. AIZ: 1.48 )
Ranked among companies with meaningful ROA % only.
AIZ' s ROA % Range Over the Past 10 Years
Min: 0.46  Med: 1.7 Max: 2.02
Current: 1.48
0.46
2.02
3-Year Revenue Growth Rate -7.00
AIZ's 3-Year Revenue Growth Rate is ranked lower than
86% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.40 vs. AIZ: -7.00 )
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: -7  Med: 5.3 Max: 18.9
Current: -7
-7
18.9
3-Year EBITDA Growth Rate -4.80
AIZ's 3-Year EBITDA Growth Rate is ranked lower than
70% of the 156 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.90 vs. AIZ: -4.80 )
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: 0  Med: 9.2 Max: 128.8
Current: -4.8
0
128.8
3-Year EPS without NRI Growth Rate 13.40
AIZ's 3-Year EPS without NRI Growth Rate is ranked higher than
60% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.80 vs. AIZ: 13.40 )
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: 13.6 Max: 48.4
Current: 13.4
-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: 2019-02-07 Est.)


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

» Details

Guru Trades

Q4 2017

AIZ Guru Trades in Q4 2017

Pioneer Investments 43,046 sh (New)
Steven Cohen 418,849 sh (+6444.52%)
David Dreman 58 sh (unchged)
Joel Greenblatt Sold Out
Paul Tudor Jones Sold Out
Caxton Associates Sold Out
Jim Simons 2,900 sh (-69.15%)
» More
Q1 2018

AIZ Guru Trades in Q1 2018

Paul Tudor Jones 9,879 sh (New)
Caxton Associates 10,839 sh (New)
Jim Simons 44,300 sh (+1427.59%)
David Dreman 58 sh (unchged)
Steven Cohen Sold Out
Pioneer Investments 22,759 sh (-47.13%)
» More
Q2 2018

AIZ Guru Trades in Q2 2018

Ken Fisher 4,000 sh (New)
Pioneer Investments 28,078 sh (+23.37%)
Paul Tudor Jones Sold Out
Caxton Associates Sold Out
Jim Simons Sold Out
» More
Q3 2018

AIZ Guru Trades in Q3 2018

Jim Simons 184,200 sh (New)
Paul Tudor Jones 2,659 sh (New)
Ken Fisher Sold Out
Pioneer Investments 28,070 sh (-0.03%)
» 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%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Assurant Inc

SymbolPriceYieldDescription
AIZP.PFD99.094.976.50% PRF PERPETUAL USD 100 - Ser D

Business Description

Industry: Insurance » Insurance - Diversified    NAICS: 524298    SIC: 6321
Compare:JSE:RMI, TSX:IAG, BSP:PSSA3, OCSE:TOP, WBO:VIG, NAS:ESGR, SAU:8240, XSWX:HELN, MIL:UNI, ASX:MPL, WBO:UQA, NYSE:ORI, NYSE:KMPR, MIC:RGSS, STC:BVH, SAU:8010, XAMS:ASRNL, XKRX:001450, OCSE:TRYG, LSE:DLG » 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.

Assurant Inc offers a range of property-casualty, health, employee benefit, and warranty insurance to a client base made up of individuals and institutions. The company has four reportable segments namely Global Housing, Global Lifestyle, Global Preneed and Total Corporate and Other. Global Housing segment provides lender-placed homeowners, manufactured housing, flood insurance, and other related products, Global Lifestyle provides mobile device protection and related services, Global Preneed is engaged in providing pre-funded funeral insurance and annuity products whereas Total Corporate and others includes activities related to holding company primarily related to the company's frozen benefit plans. It generates a majority of its revenue from Global Lifestyle Segment.

Ratios

vs
industry
vs
history
PE Ratio 9.53
AIZ's PE Ratio is ranked higher than
66% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.69 vs. AIZ: 9.53 )
Ranked among companies with meaningful PE Ratio only.
AIZ' s PE Ratio Range Over the Past 10 Years
Min: 4.68  Med: 10.32 Max: 48.48
Current: 9.53
4.68
48.48
Forward PE Ratio 10.44
AIZ's Forward PE Ratio is ranked lower than
56% of the 27 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.72 vs. AIZ: 10.44 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 9.53
AIZ's PE Ratio without NRI is ranked higher than
66% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.69 vs. AIZ: 9.53 )
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: 10.32 Max: 48.48
Current: 9.53
4.68
48.48
Price-to-Owner-Earnings 12.49
AIZ's Price-to-Owner-Earnings is ranked lower than
59% of the 116 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.52 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: 11.56 Max: 90.74
Current: 12.49
4.97
90.74
PB Ratio 1.08
AIZ's PB Ratio is ranked higher than
60% of the 200 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.25 vs. AIZ: 1.08 )
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: 1.97
Current: 1.08
0.47
1.97
PS Ratio 0.71
AIZ's PS Ratio is ranked higher than
62% of the 192 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 vs. AIZ: 0.71 )
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: 0.71
0.21
0.98
Price-to-Free-Cash-Flow 10.04
AIZ's Price-to-Free-Cash-Flow is ranked lower than
54% of the 118 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.64 vs. AIZ: 10.04 )
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: 7.2 Max: 72.09
Current: 10.04
1.59
72.09
Price-to-Operating-Cash-Flow 8.73
AIZ's Price-to-Operating-Cash-Flow is ranked lower than
56% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.13 vs. AIZ: 8.73 )
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: 6.94 Max: 76.06
Current: 8.73
1.52
76.06
EV-to-EBIT 10.68
AIZ's EV-to-EBIT is ranked lower than
63% of the 160 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.87 vs. AIZ: 10.68 )
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: 20.5
Current: 10.68
1.7
20.5
EV-to-EBITDA 10.68
AIZ's EV-to-EBITDA is ranked lower than
63% of the 163 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.48 vs. AIZ: 10.68 )
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: 20.5
Current: 10.68
1.7
20.5
EV-to-Revenue 0.78
AIZ's EV-to-Revenue is ranked higher than
56% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.92 vs. AIZ: 0.78 )
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: 1
Current: 0.78
0.1
1
Shiller PE Ratio 14.99
AIZ's Shiller PE Ratio is ranked higher than
57% of the 28 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.17 vs. AIZ: 14.99 )
Ranked among companies with meaningful Shiller PE Ratio only.
AIZ' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.9  Med: 14.5 Max: 19.03
Current: 14.99
7.9
19.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.53
AIZ's Dividend Yield % is ranked lower than
84% of the 283 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.98 vs. AIZ: 2.53 )
Ranked among companies with meaningful Dividend Yield % only.
AIZ' s Dividend Yield % Range Over the Past 10 Years
Min: 0.67  Med: 1.83 Max: 3.45
Current: 2.53
0.67
3.45
Dividend Payout Ratio 0.24
AIZ's Dividend Payout Ratio is ranked higher than
96% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.46 vs. AIZ: 0.24 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AIZ' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.16 Max: 0.67
Current: 0.24
0.13
0.67
3-Year Dividend Growth Rate 26.60
AIZ's 3-Year Dividend Growth Rate is ranked higher than
88% of the 91 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.50 vs. AIZ: 26.60 )
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: 14.8 Max: 29.9
Current: 26.6
0
29.9
Forward Dividend Yield % 2.66
AIZ's Forward Dividend Yield % is ranked lower than
85% of the 279 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.00 vs. AIZ: 2.66 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 7.24
AIZ's 5-Year Yield-on-Cost % is ranked higher than
70% of the 321 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.69 vs. AIZ: 7.24 )
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: 1.92  Med: 5.26 Max: 9.91
Current: 7.24
1.92
9.91
3-Year Average Share Buyback Ratio 8.90
AIZ's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 104 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.20 vs. AIZ: 8.90 )
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: -10.7  Med: 5.5 Max: 12.3
Current: 8.9
-10.7
12.3

Valuation & Return

vs
industry
vs
history
Price-to-Intrinsic-Value-Projected-FCF 0.69
AIZ's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
57% of the 72 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.72 vs. AIZ: 0.69 )
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: 0.39 Max: 0.83
Current: 0.69
0.25
0.83
Price-to-Median-PS-Value 1.42
AIZ's Price-to-Median-PS-Value is ranked lower than
90% of the 167 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.98 vs. AIZ: 1.42 )
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: 1.07 Max: 1.92
Current: 1.42
0.61
1.92
Earnings Yield (Greenblatt) % 9.36
AIZ's Earnings Yield (Greenblatt) % is ranked lower than
51% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.86 vs. AIZ: 9.36 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AIZ' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.9  Med: 18.35 Max: 58.6
Current: 9.36
4.9
58.6
Forward Rate of Return (Yacktman) % 3.99
AIZ's Forward Rate of Return (Yacktman) % is ranked lower than
67% of the 82 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.53 vs. AIZ: 3.99 )
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: 2.3  Med: 18.45 Max: 67.7
Current: 3.99
2.3
67.7

More Statistics

Revenue (TTM) (Mil) $7,350.60
EPS (TTM) $ 9.47
Beta0.71
Volatility23.32%
52-Week Range $84.34 - 111.43
Shares Outstanding (Mil)62.05

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 7,971 9,167 9,641
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 4.50 8.63 11.17
EPS without NRI ($) 4.50 8.63 11.17
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 2.27 2.38 2.50

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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