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AssurantSTU:ZAS -2.80%68 EV-to-OCF is 7.99 as of Aug. 10, 2026, which is 2% below its 10-year median of 8.13. GuruFocus rates STU:ZAS with a GF Score™ of 68/100 and a GF Value™ of €209.60 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 507 Insurance companies, Assurant ranks worse than 55.42% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Assurant's Enterprise Value is €12,835 Mil.
Assurant's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €1,606 Mil. Therefore, Assurant's EV-to-OCF for today is 7.99.
The historical rank and industry rank for Assurant's EV-to-OCF or its related term are showing as below:
STU:ZAS'
s EV-to-OCF Range Over the Past 10 Years
Min: -140.81 Med: 8.13 Max: 54.08
Current: 7.91
During the past 13 years, the highest EV-to-OCF of Assurant was 54.08. The lowest was -140.81. And the median was 8.13.
STU:ZAS's EV-to-OCF is ranked worse than 55.42% of 507
companies
in the Insurance industry
Industry Median: 6.77
vs STU:ZAS: 7.91
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Assurant's share price for today is €249.60.
Assurant's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €18.016.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Assurant EV-to-OCF Related Terms
Assurant EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Assurant's EV-to-OCF 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.
For the Insurance - Property & Casualty subindustry, Assurant's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Assurant's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Assurant's EV-to-OCF falls into.
Assurant's current Enterprise Value is €12,835 Mil.
Assurant's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,606 Mil.
* 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 (STU:ZAS) has a EV-to-OCF of 7.99 as of Aug. 10, 2026. This is near median its historical median of 8.13. According to the industry distribution chart, Assurant ranks #281 out of 507 companies in the Insurance industry, placing it in the top 55.4%.
Is Assurant's EV-to-OCF too high?
Assurant's current EV-to-OCF of 7.99 is near median its 10-year median of 8.13. The Insurance industry median EV-to-OCF is 6.77. Assurant's value of 7.99 is 18% above this industry median. Based on the distribution chart, Assurant ranks #281 out of 507 companies in the Insurance industry, which is below the industry midpoint. Overall, Assurant has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Assurant's EV-to-OCF compare to CNA and AFG?
According to the Insurance industry distribution chart, Assurant ranks #281 out of 507 companies for EV-to-OCF. This places Assurant in the lower half of its industry. The industry median EV-to-OCF is 6.77. Assurant's value of 7.99 is 18% above this benchmark. While the company's 10-year median is 8.13 vs. the industry median of 6.77, Assurant has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.77, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Assurant's current EV-to-OCF of 7.99 is 18% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Assurant's current EV-to-OCF is 7.99, which is near median its own 10-year median of 8.13. 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 (STU:ZAS) is currently considered Modestly Overvalued. The stock's GF Value™ is €209.60, compared to a current price of €249.60 — trading 19.1% above its estimated fair value. The current EV-to-OCF is 7.99, which is near median its 10-year median of 8.13 and 18% above the Insurance industry median of 6.77. Assurant's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Assurant (STU:ZAS), the current EV-to-OCF is 7.99 as of Aug. 10, 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 (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:
EV-to-OCF: 7.99 (near median its 10-year median of 8.13)
GF Value™: €209.60 vs. price of €249.60 (19.1% above fair value)
Industry Position: 18% above the Insurance median (#281 of 507)
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 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
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