Assurant (FRA:ZAS) Debt-to-Asset : 0.06 (As of Jun. 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.

FRA:ZAS Assurant Inc FRA:ZAS
87 GF Score
Price €243.60
GF Value €213.24
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Assurant Debt-to-Asset?

Assurant FRA:ZAS -0.65% 87 Debt-to-Asset is 0.06 as of Jun. 2026. GuruFocus rates FRA:ZAS with a GF Score™ of 87/100 and a GF Value™ of €213.24 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Assurant's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0 Mil. Assurant's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €1,917 Mil. Assurant's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was €31,319 Mil. Assurant's debt to asset for the quarter that ended in Jun. 2026 was 0.06.

Assurant  (FRA:ZAS) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Assurant Debt-to-Asset Related Terms

Assurant Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Assurant's Debt-to-Asset 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 Debt-to-Asset Chart

Assurant Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.07 0.06 0.06 0.06 0.06

Assurant Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset 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 0.06 0.06 0.06 0.06 0.06

FRA:ZAS vs CNA, AFG, ORI: Debt-to-Asset Comparison

For the Insurance - Property & Casualty subindustry, Assurant's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Insurance Industry

For the Insurance industry and Financial Services sector, Assurant's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Assurant's Debt-to-Asset falls into.


FRA:ZAS
87GF Score
Assurant Inc FRA:ZAS
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Assurant Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Assurant's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 1884.693) / 30991.318
=0.06

Assurant's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 1916.631) / 31318.655
=0.06

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.06 mean?
Assurant (FRA:ZAS) has a Debt-to-Asset of 0.06 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Assurant and its competitors.
Is Assurant's Debt-to-Asset too high?
Assurant's current Debt-to-Asset is 0.06. Overall, Assurant has a GF Score™ of 87/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Assurant's Debt-to-Asset compare to CNA and AFG?
Assurant's Debt-to-Asset of 0.06 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 Debt-to-Asset for an Insurance company?
A good Debt-to-Asset depends on the Insurance industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Assurant and its competitors. Assurant's current Debt-to-Asset is 0.06. 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 (FRA:ZAS) is currently considered Modestly Overvalued. The stock's GF Value™ is €213.24, compared to a current price of €243.60 — trading 14.2% above its estimated fair value. The current Debt-to-Asset is 0.06. Assurant's overall GF Score™ is 87/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Assurant (FRA:ZAS), the current Debt-to-Asset is 0.06 as of Jun. 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 (FRA:ZAS) Overvalued in 2026?

Based on GuruFocus' analysis, Assurant stock appears to be overvalued. The current stock price of €243.60 is trading 14.2% above its estimated GF Value™ of €213.24. GuruFocus considers Assurant to be Modestly Overvalued.

Key valuation signals for FRA:ZAS:

  • Debt-to-Asset: 0.06
  • GF Value™: €213.24 vs. price of €243.60 (14.2% above fair value)
  • GF Score™: 87/100 with 6 warning signs

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

Assurant Business Description

Other Exchanges AIZ:USAAIZ:Mexico0HIN:UK
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.
87GF Score

Get the complete analysis for FRA:ZAS

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€243.60
Price
€213.24
GF Value