AssurantFRA:ZAS +1.67%22 EV-to-FCF is 10.21 as of Jul. 06, 2026, which is 4% above its 10-year median of 9.78. GuruFocus rates FRA:ZAS with a GF Score™ of 22/100 and a GF Value™ of €203.91 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 393 Insurance companies, Assurant ranks worse than 50.38% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Assurant's Enterprise Value is €12,701 Mil.
Assurant's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €1,244 Mil. Therefore, Assurant's EV-to-FCF for today is 10.21.
The historical rank and industry rank for Assurant's EV-to-FCF or its related term are showing as below:
FRA:ZAS'
s EV-to-FCF Range Over the Past 10 Years
Min: -40.08 Med: 9.78 Max: 251
Current: 9.96
During the past 13 years, the highest EV-to-FCF of Assurant was 251.00. The lowest was -40.08. And the median was 9.78.
FRA:ZAS's EV-to-FCF is ranked worse than 50.38% of 393
companies
in the Insurance industry
Industry Median: 9.8
vs FRA:ZAS: 9.96
EV-to-FCF 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-FCF 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 €244.00.
Assurant's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €16.805.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Assurant EV-to-FCF Related Terms
Assurant EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Assurant's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Assurant's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Assurant's EV-to-FCF falls into.
Assurant's current Enterprise Value is €12,701 Mil.
Assurant's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,244 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 (FRA:ZAS) has a EV-to-FCF of 10.21 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Assurant and its competitors. This is near median its historical median of 9.78. According to the industry distribution chart, Assurant ranks #198 out of 393 companies in the Insurance industry, placing it in the top 50.4%.
Is Assurant's EV-to-FCF too high?
Assurant's current EV-to-FCF of 10.21 is near median its 10-year median of 9.78. The Insurance industry median EV-to-FCF is 9.80. Assurant's value of 10.21 is 4.2% above this industry median. Based on the distribution chart, Assurant ranks #198 out of 393 companies in the Insurance industry, which is below the industry midpoint. Overall, Assurant has a GF Score™ of 22/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Assurant's EV-to-FCF compare to CNA and AFG?
According to the Insurance industry distribution chart, Assurant ranks #198 out of 393 companies for EV-to-FCF. This places Assurant in the lower half of its industry. The industry median EV-to-FCF is 9.80. Assurant's value of 10.21 is 4.2% above this benchmark. While the company's 10-year median is 9.78 vs. the industry median of 9.80, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.80, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Assurant's current EV-to-FCF of 10.21 is 4.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Assurant and its competitors. For the Insurance industry, the median EV-to-FCF is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Assurant's current EV-to-FCF is 10.21, which is near median its own 10-year median of 9.78. 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 €203.91, compared to a current price of €244.00 — trading 19.7% above its estimated fair value. The current EV-to-FCF is 10.21, which is near median its 10-year median of 9.78 and 4.2% above the Insurance industry median of 9.80. Assurant's overall GF Score™ is 22/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Assurant (FRA:ZAS), the current EV-to-FCF is 10.21 as of Jul. 06, 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 €244.00 is trading 19.7% above its estimated GF Value™ of €203.91.
GuruFocus considers Assurant to be Modestly Overvalued.
Key valuation signals for FRA:ZAS:
EV-to-FCF: 10.21 (near median its 10-year median of 9.78)
GF Value™: €203.91 vs. price of €244.00 (19.7% above fair value)
Industry Position: 4.2% above the Insurance median (#198 of 393)
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 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.
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