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AIZ (Assurant) Cyclically Adjusted PB Ratio : 1.91 (As of May. 29, 2025)


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What is Assurant Cyclically Adjusted PB Ratio?

As of today (2025-05-29), Assurant's current share price is $197.94. Assurant's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was $103.78. Assurant's Cyclically Adjusted PB Ratio for today is 1.91.

The historical rank and industry rank for Assurant's Cyclically Adjusted PB Ratio or its related term are showing as below:

AIZ' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 1.09   Med: 1.59   Max: 2.22
Current: 1.91

During the past years, Assurant's highest Cyclically Adjusted PB Ratio was 2.22. The lowest was 1.09. And the median was 1.59.

AIZ's Cyclically Adjusted PB Ratio is ranked worse than
72.77% of 404 companies
in the Insurance industry
Industry Median: 1.215 vs AIZ: 1.91

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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Assurant's adjusted book value per share data for the three months ended in Mar. 2025 was $102.997. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $103.78 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Assurant Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Assurant's Cyclically Adjusted PB Ratio 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.

* Premium members only.

Assurant Cyclically Adjusted PB Ratio Chart

Assurant Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.69 1.73 1.30 1.69 2.08

Assurant Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio 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 1.86 1.63 1.94 2.08 2.02

Competitive Comparison of Assurant's Cyclically Adjusted PB Ratio

For the Insurance - Property & Casualty subindustry, Assurant's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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's Cyclically Adjusted PB Ratio Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, Assurant's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Assurant's Cyclically Adjusted PB Ratio falls into.


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Assurant Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Assurant's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=197.94/103.78
=1.91

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Assurant's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=102.997/134.9266*134.9266
=102.997

Current CPI (Mar. 2025) = 134.9266.

Assurant Quarterly Data

Book Value per Share CPI Adj_Book
201506 72.061 100.684 96.569
201509 70.169 100.392 94.307
201512 68.701 99.792 92.889
201603 72.868 100.470 97.858
201606 76.026 101.688 100.876
201609 77.656 101.861 102.864
201612 73.258 101.863 97.037
201703 75.573 102.862 99.131
201706 78.139 103.349 102.014
201709 76.924 104.136 99.669
201712 81.472 104.011 105.688
201803 85.351 105.290 109.376
201806 84.154 106.317 106.800
201809 83.630 106.507 105.946
201812 82.526 105.998 105.049
201903 88.161 107.251 110.911
201906 93.571 108.070 116.825
201909 93.084 108.329 115.938
201912 94.250 108.420 117.292
202003 89.889 108.902 111.371
202006 100.129 108.767 124.211
202009 100.437 109.815 123.404
202012 102.617 109.897 125.989
202103 95.995 111.754 115.899
202106 99.371 114.631 116.964
202109 99.809 115.734 116.360
202112 98.004 117.630 112.415
202203 92.069 121.301 102.411
202206 83.733 125.017 90.370
202209 77.496 125.227 83.499
202212 80.044 125.222 86.247
202303 82.742 127.348 87.666
202306 84.627 128.729 88.702
202309 85.149 129.860 88.472
202312 92.569 129.419 96.508
202403 94.574 131.776 96.835
202406 96.528 132.554 98.256
202409 102.291 133.029 103.750
202412 100.458 133.157 101.793
202503 102.997 134.927 102.997

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book 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.


Assurant  (NYSE:AIZ) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Assurant Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Assurant's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Assurant Business Description

Industry
Traded in Other Exchanges
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 (including extended service contracts, insurance policies and related services), extended service contracts and related services for consumer electronics and appliances, 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. Key revenue is generated from Global Lifestyle segment.
Executives
Dimitry Dirienzo officer: SVP, CAO, Controller C/O ASSURANT, INC., 28 LIBERTY ST. 41 F., NEW YORK NY 10005
Robert Lonergan officer: EVP, other: Chief Strategy Officer C/O ASSURANT, INC.,28 LIBERTY STREET, 41ST FLOOR, NEW YORK NY 10005
Jay Rosenblum officer: EVP and CLO C/O ASSURANT, INC., 28 LIBERTY ST, 41ST FL., NEW YORK NY 10005
Michael P. Campbell officer: EVP C/O ASSURANT, INC.,28 LIBERTY STREET, 41ST FLOOR, NEW YORK NY 10005
Francesca Luthi officer: EVP, CAO 1180 NORTH TOWN CENTER DRIVE, SUITE 100, LAS VEGAS NV 89144
Richard S Dziadzio officer: EVP, CFO, and Treasurer C/O ALLIANCE CAPITAL, 1345 AVENUE OF THE AMERICAS, NEW YORK NY 10105
Rajiv Basu director C/O ASSURANT, INC., 260 INTERSTATE NORTH CIRCLE, S.E., ATLANTA GA 30339
Sari Beth Granat director C/O MARKIT LTD, 4TH FL, ROPEMAKER PLACE, 25 ROPEMAKER STREET, LONDON X0 EC2Y 9LY
Keith Meier officer: EVP, COO C/O ASSURANT, INC., 55 BROADWAY, SUITE 2901, NEW YORK NY 10006
Alan B. Colberg officer: EVP, Marketing & Bus. Dev. ASSURANT, INC., ONE CHASE MANHATTAN PLAZA, 41 FL., NEW YORK NY 10005
Gene Mergelmeyer officer: Executive Vice President, other: Pres., Assur. Spec. Property ASSURANT, INC., 28 LIBERTY ST. 41 FLOOR, NEW YORK NY 10005
Carter J Braxton Ii director C/O T-MOBILE US, INC., 12920 SE 38TH STREET, BELLEVUE WA 98006
Charles John Koch director CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD., CS119N, STAMFORD CT 06901
Tammy L. Schultz officer: EVP C/O ASSURANT, INC.,28 LIBERTY STREET, 41ST FLOOR, NEW YORK NY 10005
Paget Leonard Alves director SPRINT NEXTEL, 6200 SPRINT PARKWAY KSOPHF0410 - 4A403, OVERLAND PARK KS 66251