NYSE:AIZ (USA) Also trade in: Germany

Assurant Inc

$ 100.21 -0.05 (-0.05%)
Volume: 1,167,013 Avg Vol (1m): 566,301
Market Cap $: 6.16 Bil Enterprise Value $: 6.58 Bil
P/E (TTM): 21.38 P/B: 1.21
Earnings Power Value -19.54
Net Current Asset Value 0
Tangible Book -5.44
Projected FCF 129.86
Median P/S Value 70.52
Graham Number 0
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 0.64
Cash-To-Debt ranked lower than
85.50% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 10000, Med: 10000, Min: 0.03
AIZ: 0.64
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.49, Med: 0.95, Max: 1.46
Current: 0.64
0.49
1.46
Equity-to-Asset 0.13
Equity-to-Asset ranked lower than
75.76% of 198 companies
in the Insurance - Diversified industry.
Industry Max: 0.98, Med: 0.25, Min: 0.04
AIZ: 0.13
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.11, Med: 0.15, Max: 0.19
Current: 0.13
0.11
0.19
Debt-to-Equity 0.37
Debt-to-Equity ranked lower than
51.19% of 84 companies
in the Insurance - Diversified industry.
Industry Max: 2.6, Med: 0.21, Min: 0.01
AIZ: 0.37
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.19, Med: 0.26, Max: 0.45
Current: 0.37
0.19
0.45
Debt-to-EBITDA 3.66
Debt-to-EBITDA ranked lower than
60.00% of 95 companies
in the Insurance - Diversified industry.
Industry Max: 27, Med: 1.26, Min: 0.01
AIZ: 3.66
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 1.03, Med: 1.25, Max: 3.66
Current: 3.66
1.03
3.66
WACC vs ROIC %
ROIC 7.48%
WACC 6.74%

Profitability & Growth : 2/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 3.51
Net Margin ranked higher than
51.50% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 101.62, Med: 8.01, Min: -4024.19
AIZ: 3.51
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 1.37, Med: 5.18, Max: 8.1
Current: 3.51
1.37
8.1
ROE % 5.70
ROE ranked higher than
58.50% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 71.83, Med: 10.53, Min: -256.45
AIZ: 5.7
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 2.92, Med: 9.69, Max: 13.12
Current: 5.7
2.92
13.12
ROA % 0.77
ROA ranked lower than
60.00% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 35.29, Med: 2.31, Min: -28.81
AIZ: 0.77
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.46, Med: 1.68, Max: 2.02
Current: 0.77
0.46
2.02
3-Year Total Revenue Growth Rate -7.90
3-Year Revenue Growth Rate ranked lower than
86.19% of 181 companies
in the Insurance - Diversified industry.
Industry Max: 474.7, Med: 6.4, Min: -61.8
AIZ: -3.3
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -6.5, Med: 4.3, Max: 18.8
Current: -3.3
-6.5
18.8
3-Year Total EBITDA Growth Rate 12.50
3-Year EBITDA Growth Rate ranked lower than
69.87% of 156 companies
in the Insurance - Diversified industry.
Industry Max: 327.6, Med: 3.9, Min: -100
AIZ: 18.2
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: 0, Med: 10.45, Max: 128.8
Current: 18.2
0
128.8
3-Year EPS w/o NRI Growth Rate 24.80
3-Year EPS w/o NRI Growth Rate ranked higher than
60.13% of 153 companies
in the Insurance - Diversified industry.
Industry Max: 366, Med: 7.8, Min: -100
AIZ: 24.8
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -28.8, Med: 13.65, Max: 48.4
Current: 24.8
-28.8
48.4

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Financials (Next Earnings Date: 2019-08-08)

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Business Description

Industry Insurance » Insurance - Diversified    NAICS : 524298    SIC : 6321
Compare NYSE:KMPR LSE:DLG ASX:MPL XAMS:ASRNL XSWX:HELN NYSE:ORI OCSE:TOP BSP:PSSA3 BOM:540769 TSX:IAG MIL:US NAS:ESGR JSE:RMI XSWX:BALNE MIL:UNI WBO:VIG WBO:UQA TSE:8729 NYSE:ATH STC:BVH
Traded in other countries ZAS.Germany
Address 28 Liberty Street, 41st Floor, New York, NY, USA, 10005
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

Current vs industry vs history
PE Ratio (TTM) 21.38
PE Ratio ranked higher than
66.30% of 181 companies
in the Insurance - Diversified industry.
Industry Max: 1733.33, Med: 11.69, Min: 0.02
AIZ: 21.38
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 4.68, Med: 10.37, Max: 48.75
Current: 21.38
4.68
48.75
Forward PE Ratio 11.85
Forward P/E ranked lower than
55.56% of 27 companies
in the Insurance - Diversified industry.
Industry Max: 21.01, Med: 10.72, Min: 6.46
AIZ: 11.85
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 21.38
PE without NRI ranked higher than
65.75% of 181 companies
in the Insurance - Diversified industry.
Industry Max: 1733.33, Med: 11.69, Min: 0.02
AIZ: 21.38
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 4.68, Med: 10.37, Max: 48.75
Current: 21.38
4.68
48.75
Price-to-Owner-Earnings 17.36
Price-to-Owner-Earnings ranked lower than
58.62% of 116 companies
in the Insurance - Diversified industry.
Industry Max: 318.95, Med: 8.52, Min: 0.05
AIZ: 17.36
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 4.97, Med: 11.46, Max: 90.45
Current: 17.36
4.97
90.45
PB Ratio 1.21
PB Ratio ranked higher than
60.50% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 18.21, Med: 1.25, Min: 0.02
AIZ: 1.21
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.47, Med: 0.89, Max: 1.91
Current: 1.21
0.47
1.91
PS Ratio 0.71
PS Ratio ranked higher than
62.50% of 192 companies
in the Insurance - Diversified industry.
Industry Max: 135, Med: 1.04, Min: 0.01
AIZ: 0.71
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.21, Med: 0.5, Max: 0.94
Current: 0.71
0.21
0.94
Price-to-Free-Cash-Flow 7.10
Price-to-Free-Cash-Flow ranked lower than
54.24% of 118 companies
in the Insurance - Diversified industry.
Industry Max: 1710, Med: 8.64, Min: 0.02
AIZ: 7.1
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.59, Med: 7.38, Max: 102.98
Current: 7.1
1.59
102.98
Price-to-Operating-Cash-Flow 6.39
Price-to-Operating-Cash-Flow ranked lower than
55.97% of 134 companies
in the Insurance - Diversified industry.
Industry Max: 351.85, Med: 7.13, Min: 0.02
AIZ: 6.39
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.52, Med: 7.26, Max: 128.22
Current: 6.39
1.52
128.22
EV-to-EBIT 12.67
EV-to-EBIT ranked lower than
62.50% of 160 companies
in the Insurance - Diversified industry.
Industry Max: 340.26, Med: 7.87, Min: 0.37
AIZ: 12.67
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 1.7, Med: 5.4, Max: 20.5
Current: 12.67
1.7
20.5
EV-to-EBITDA 12.00
EV-to-EBITDA ranked lower than
62.58% of 163 companies
in the Insurance - Diversified industry.
Industry Max: 340.26, Med: 7.48, Min: 0.33
AIZ: 12
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 1.7, Med: 5.4, Max: 20.5
Current: 12
1.7
20.5
EV-to-Revenue 0.74
EV-to-Revenue ranked higher than
56.35% of 181 companies
in the Insurance - Diversified industry.
Industry Max: 1217.26, Med: 0.92, Min: 0.03
AIZ: 0.74
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.1, Med: 0.4, Max: 1
Current: 0.74
0.1
1
Shiller PE Ratio 16.45
Shiller PE Ratio ranked higher than
57.14% of 28 companies
in the Insurance - Diversified industry.
Industry Max: 189.41, Med: 16.17, Min: 3.4
AIZ: 16.45
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 7.92, Med: 14.98, Max: 19.1
Current: 16.45
7.92
19.1

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.32
Trailing Dividend Yield ranked lower than
84.10% of 283 companies
in the Insurance - Diversified industry.
Industry Max: 18.06, Med: 3.98, Min: 0.04
AIZ: 2.32
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.73, Med: 1.88, Max: 3.45
Current: 2.32
0.73
3.45
Dividend Payout Ratio 0.51
Dividend Payout Ratio ranked higher than
95.59% of 136 companies
in the Insurance - Diversified industry.
Industry Max: 3.64, Med: 0.46, Min: 0.01
AIZ: 0.51
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.13, Med: 0.19, Max: 0.67
Current: 0.51
0.13
0.67
3-Year Dividend Growth Rate (Per Share) 18.50
3-Year Dividend Growth Rate ranked higher than
87.91% of 91 companies
in the Insurance - Diversified industry.
Industry Max: 108.1, Med: 6.5, Min: -100
AIZ: 18.5
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 14.95, Max: 29.9
Current: 18.5
0
29.9
Forward Dividend Yield % 2.39
Forward Dividend Yield ranked lower than
84.95% of 279 companies
in the Insurance - Diversified industry.
Industry Max: 22.94, Med: 4, Min: 0.04
AIZ: 2.39
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 6.17
Yield-on-Cost (5y) ranked higher than
70.40% of 321 companies
in the Insurance - Diversified industry.
Industry Max: 78.26, Med: 4.69, Min: 0.04
AIZ: 6.17
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 1.94, Med: 5, Max: 9.17
Current: 6.17
1.94
9.17
3-Year Share Buyback Rate 2.00
3-Year Share Buyback Rate ranked higher than
94.23% of 104 companies
in the Insurance - Diversified industry.
Industry Max: 23.9, Med: -0.2, Min: -153.7
AIZ: 2
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -10.7, Med: 5.15, Max: 12.3
Current: 2
-10.7
12.3

Valuation & Return

Current vs industry vs history
Price-to-Projected-FCF 0.77
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
56.94% of 72 companies
in the Insurance - Diversified industry.
Industry Max: 6.91, Med: 0.72, Min: 0.06
AIZ: 0.77
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.25, Med: 0.39, Max: 0.84
Current: 0.77
0.25
0.84
Price-to-Median-PS-Value 1.42
Price-to-Median-PS-Value ranked lower than
90.42% of 167 companies
in the Insurance - Diversified industry.
Industry Max: 8.3, Med: 0.98, Min: 0.05
AIZ: 1.42
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.61, Med: 1.08, Max: 1.92
Current: 1.42
0.61
1.92
Earnings Yield (Joel Greenblatt) % 7.89
Earnings Yield (Greenblatt) ranked lower than
50.76% of 197 companies
in the Insurance - Diversified industry.
Industry Max: 270.27, Med: 10.86, Min: -526.32
AIZ: 7.89
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 4.9, Med: 18.4, Max: 58.6
Current: 7.89
4.9
58.6
Forward Rate of Return (Yacktman) % 3.80
Forward Rate of Return ranked lower than
67.07% of 82 companies
in the Insurance - Diversified industry.
Industry Max: 291.88, Med: 11.53, Min: -72.7
AIZ: 3.8
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 2.9, Med: 16, Max: 67.7
Current: 3.8
2.9
67.7

More Statistics

Revenue (TTM) (Mil) $ 8,854.6
EPS (TTM) $ 4.69
Beta 0.74
Volatility % 24.8
52-Week Range $ 82.31 - 111.43
Shares Outstanding (Mil) 69.3

Analyst Estimate

Piotroski F-Score Details