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 (-%)
Manual of Stocks™ Web
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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
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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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
| 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
|
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
|
| 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
|
| 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
|
| 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
|
| 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
|
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
|
| 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
|
| 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
|
| 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
|
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 |