Assurant (MEX:AIZ) Cyclically Adjusted FCF per Share: MXN326.66 (As of Mar. 2026)

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MEX:AIZ Assurant Inc MEX:AIZ
62 GF Score
Price MXN4,292.82
GF Value MXN3,688.52
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Assurant Cyclically Adjusted FCF per Share?

Assurant MEX:AIZ 62 Cyclically Adjusted FCF per Share is MXN326.66 as of Mar. 2026. GuruFocus rates MEX:AIZ with a GF Score™ of 62/100 and a GF Value™ of MXN3,688.52 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Assurant's adjusted free cash flow per share for the three months ended in Mar. 2026 was MXN69.188. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is MXN326.66 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Assurant's average Cyclically Adjusted FCF Growth Rate was 24.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 14.80% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 10.10% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 10.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Assurant was 18.50% per year. The lowest was -6.00% per year. And the median was 8.30% per year.

As of today (2026-07-22), Assurant's current stock price is MXN4292.82. Assurant's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was MXN326.66. Assurant's Cyclically Adjusted Price-to-FCF of today is 13.14.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Assurant was 19.10. The lowest was 9.52. And the median was 14.82.


Assurant  (MEX:AIZ) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Assurant's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=4292.82/326.66
=13.14

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Assurant was 19.10. The lowest was 9.52. And the median was 14.82.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Assurant Cyclically Adjusted FCF per Share Related Terms


Assurant Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Assurant's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Assurant Cyclically Adjusted FCF per Share Chart

Assurant Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 246.05 271.34

Assurant Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 272.91 288.46 268.07 271.34 326.66

MEX:AIZ vs CNA, AFG, ORI: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Property & Casualty subindustry, Assurant's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Assurant Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Assurant's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Assurant's Cyclically Adjusted Price-to-FCF falls into.


MEX:AIZ
62GF Score
Assurant Inc MEX:AIZ
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Assurant Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Assurant's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=69.188/330.2130*330.2130
=69.188

Current CPI (Mar. 2026) = 330.2130.

Assurant Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.796 241.018 -1.091
201609 75.240 241.428 102.909
201612 55.793 241.432 76.310
201703 3.118 243.801 4.223
201706 -13.286 244.955 -17.910
201709 117.958 246.819 157.813
201712 51.869 246.524 69.477
201803 -30.911 249.554 -40.902
201806 77.687 251.989 101.803
201809 76.667 252.439 100.287
201812 55.015 251.233 72.310
201903 63.197 254.202 82.094
201906 133.457 256.143 172.049
201909 137.195 256.759 176.444
201912 62.701 256.974 80.571
202003 -53.067 258.115 -67.890
202006 142.106 257.797 182.024
202009 210.030 260.280 266.462
202012 127.004 260.474 161.008
202103 -151.629 264.877 -189.031
202106 292.830 271.696 355.899
202109 -16.628 274.310 -20.017
202112 70.329 278.802 83.298
202203 -192.163 287.504 -220.709
202206 46.368 296.311 51.673
202209 223.707 296.808 248.885
202212 81.493 296.797 90.668
202303 70.894 301.836 77.559
202306 43.265 305.109 46.825
202309 90.781 307.789 97.395
202312 101.971 306.746 109.772
202403 9.950 312.332 10.520
202406 227.794 314.175 239.422
202409 146.143 315.301 153.055
202412 14.487 315.605 15.158
202503 135.326 319.799 139.733
202506 75.066 322.561 76.847
202509 158.027 324.800 160.661
202512 222.394 324.054 226.621
202603 69.188 330.213 69.188

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of MXN326.66 mean?
Assurant (MEX:AIZ) has a Cyclically Adjusted FCF per Share of MXN326.66 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Assurant and its competitors.
Is Assurant's Cyclically Adjusted FCF per Share too high?
Assurant's current Cyclically Adjusted FCF per Share is MXN326.66. Overall, Assurant has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Assurant's Cyclically Adjusted FCF per Share compare to CNA and AFG?
Assurant's Cyclically Adjusted FCF per Share of MXN326.66 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Assurant and its competitors. Assurant's current Cyclically Adjusted FCF per Share is MXN326.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Assurant stock overvalued right now?
Based on GuruFocus' analysis, Assurant (MEX:AIZ) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN3,688.52, compared to a current price of MXN4,292.82 — trading 16.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is MXN326.66. Assurant's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Assurant (MEX:AIZ), the current Cyclically Adjusted FCF per Share is MXN326.66 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Assurant (MEX:AIZ) Overvalued in 2026?

Based on GuruFocus' analysis, Assurant stock appears to be overvalued. The current stock price of MXN4,292.82 is trading 16.4% above its estimated GF Value™ of MXN3,688.52. GuruFocus considers Assurant to be Modestly Overvalued.

Key valuation signals for MEX:AIZ:

  • Cyclically Adjusted FCF per Share: MXN326.66
  • GF Value™: MXN3,688.52 vs. price of MXN4,292.82 (16.4% above fair value)
  • GF Score™: 62/100 with 7 warning signs

No single metric tells the full story. See the MEX:AIZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Assurant Business Description

Other Exchanges AIZ:USA0HIN:UKZAS:Germany
Address 260 Interstate North Circle SE, Atlanta, GA, USA, 30339
Assurant Inc is a protection company that partners with the brands to safeguard and service connected devices, homes and automobiles. It operate in North America, Latin America, Europe and Asia Pacific through two operating segments: Global Lifestyle and Global Housing. Global Lifestyle: includes mobile device solutions, consumer electronics and appliances services, and financial services and other insurance products. Global Housing: includes lender-placed homeowners, manufactured housing and flood insurance, as well as voluntary manufactured housing, condominium and homeowners insurance. In addition, the Company reports the Corporate and Other segment, which includes corporate employee-related expenses, activities of the holding company and investments in the home warranty business.
62GF Score

Get the complete analysis for MEX:AIZ

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN4,292.82
Price
MXN3,688.52
GF Value