Assurant (STU:ZAS) Cyclically Adjusted PS Ratio: (As of Aug. 10, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:ZAS Assurant Inc STU:ZAS
68 GF Score
Price €249.60
GF Value €209.60
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Assurant Cyclically Adjusted PS Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PS Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


Assurant  (STU:ZAS) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


Assurant Cyclically Adjusted PS Ratio Related Terms


Assurant Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Assurant's Cyclically Adjusted PS 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.

Assurant Cyclically Adjusted PS Ratio Chart

Assurant Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.03 0.75 0.94 1.14 1.22

Assurant Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS 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 1.02 1.10 1.22 1.07 1.28

STU:ZAS vs CNA, AFG, ORI: Cyclically Adjusted PS Ratio Comparison

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

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

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


STU:ZAS
68GF Score
Assurant Inc STU:ZAS
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Assurant Cyclically Adjusted PS Ratio Calculation

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

Assurant's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Assurant's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=60.168/333.9520*333.9520
=60.168

Current CPI (Jun. 2026) = 333.9520.

Assurant Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 24.876 241.428 34.409
201612 27.035 241.432 37.395
201703 24.949 243.801 34.174
201706 25.286 244.955 34.473
201709 24.055 246.819 32.547
201712 25.432 246.524 34.451
201803 24.247 249.554 32.447
201806 27.157 251.989 35.990
201809 30.325 252.439 40.117
201812 31.623 251.233 42.035
201903 32.664 254.202 42.912
201906 34.441 256.143 44.903
201909 36.654 256.759 47.674
201912 30.056 256.974 39.059
202003 34.829 258.115 45.062
202006 32.679 257.797 42.333
202009 33.393 260.280 42.845
202012 31.730 260.474 40.681
202103 33.074 264.877 41.699
202106 34.410 271.696 42.295
202109 37.696 274.310 45.892
202112 39.338 278.802 47.119
202203 40.126 287.504 46.609
202206 43.155 296.311 48.637
202209 47.598 296.808 53.555
202212 46.585 296.797 52.417
202303 45.968 301.836 50.859
202306 46.785 305.109 51.208
202309 48.364 307.789 52.475
202312 53.303 306.746 58.031
202403 50.115 312.332 53.584
202406 51.543 314.175 54.788
202409 50.965 315.301 53.980
202412 59.187 315.605 62.628
202503 55.483 319.799 57.938
202506 53.575 322.561 55.467
202509 53.648 324.800 55.160
202512 57.774 324.054 59.539
202603 58.934 330.213 59.601
202606 60.168 333.952 60.168

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

Is Assurant (STU:ZAS) Overvalued in 2026?

Based on GuruFocus' analysis, Assurant stock appears to be overvalued. The current stock price of €249.60 is trading 19.1% above its estimated GF Value™ of €209.60. GuruFocus considers Assurant to be Modestly Overvalued.

Key valuation signals for STU:ZAS:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €209.60 vs. price of €249.60 (19.1% above fair value)
  • GF Score™: 68/100 with 6 warning signs

No single metric tells the full story. See the STU:ZAS 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.
68GF Score

Get the complete analysis for STU:ZAS

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

€249.60
Price
€209.60
GF Value