Assurant (AIZ)

Financials · $15.6B market cap · SEC CIK 0001267238

Next reports on Feb 8, 2027, after the close, with analysts expecting $5.55 in earnings per share.

52-week range $209.86 to $316.72. At its 52-week high and 54% above its low.

The case for AIZ

• Cheap for its growth: 14.5× earnings, where 10%+ a year of growth plus a 1.7% dividend would justify about 26×.
• Revenue growing 9.4% year over year.
• Earnings per share up 31.1%.
• Return on equity of 18%.
• Moves less than the market (beta 0.52).
• Pays a modest 1.7% dividend.

The case against

• Net margin of 8% is thinner than 89% of Financials companies.
• Its weakest area is profitability (36/100): return on equity 18%, net margin 7.8%.

What the score is made of

Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
• Each factor except momentum is half fixed thresholds, half rank among the 76 Financials companies.

The financials

The financials, five years deep

Pulled from Assurant's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Assurant says it does

Assurant, Inc. was incorporated as a Delaware corporation in 2004. We are a premier global protection company that partners with the world’s leading brands to safeguard and service connected devices, homes and automobiles. We leverage data-driven technology solutions to provide exceptional customer experiences. We operate in North America, Latin America, Europe and Asia Pacific through two operating segments: Global Lifestyle and Global Housing. Through our Global Lifestyle segment, we provide mobile device solutions, extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products (referred to as “Connected Living”); and vehicle protection services, commercial equipment protection and other related services (referred to as “Global Automotive”). Through our Global Housing segment, we provide lender-placed homeowners, manufactured housing and flood insurance, as well as…

Risk factors AIZ lists in its 10-K

• Significant competitive pressures, changes in customer preferences and disruption could adversely affect our results of operations
• The success of our business depends on the execution of our strategy, including through organic growth and the continuing service of key executives, senior leaders, highly-skilled personnel and a high-performing workforce
• Our inability to successfully recover should we experience a business continuity event could have a material adverse effect on our business, financial condition and results of operations
• The failure to effectively maintain and modernize our technology systems and infrastructure and integrate those of acquired businesses could adversely affect our business
• Failure to successfully manage vendors and other third parties could adversely affect our business
• We face risks associated with our international operations
• Our mobile business is subject to the risk of declines in the value and availability of mobile devices, and to regulatory compliance and other risks,
• General economic, financial market and political conditions and conditions in the markets in which we operate may materially adversely affect our results of operations and financial condition,”
• Our business is subject to risks related to litigation and regulatory actions
• The costs of complying with, or our failure to comply with, U.S. and foreign laws related to privacy, data security and data protection could adversely affect our financial condition, operating results and reputation
• We face risks associated with our international operations
• Sales of our products and services may decline if we are unable to develop and maintain distribution sources or attract and retain sales representatives and executives with key client relationships
• We face risks associated with joint ventures, franchises and investments in which we share ownership or management with third parties
• – General economic, financial market and political conditions and conditions in the markets in which we operate may materially adversely affect our results of operations and financial condition
• Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving and capital management
• Reinsurance may not be adequate or available to protect us against losses, and we are subject to the credit risk of reinsurers
• Negative publicity relating to our business, industry or clients may have a material adverse effect on our financial results
• Our investment portfolio is subject to market risk, including changes in interest rates, that may adversely affect our results of operations and financial condition
• We may be unable to accurately predict and price for claims and other costs, which could reduce our profitability
• A decline in the financial strength ratings of our insurance subsidiaries could adversely affect our results of operations and financial condition
• A credit rating agency downgrade of our corporate senior debt rating could materially and adversely impact our business
• Fluctuations in the exchange rate of the U.S. Dollar and other foreign currencies may materially and adversely affect our results of operations
• An impairment of our goodwill or other intangible assets could materially adversely affect our results of operations and book value
• Failure to maintain effective internal control over financial reporting could have a material adverse effect on our business and stock price
• Unfavorable conditions in the capital and credit markets may significantly and adversely affect our access to capital and our ability to pay our debts or expenses
• Our investment portfolio is subject to credit, liquidity and other risks that may adversely affect our results of operations and financial condition
• The value of our deferred tax assets could become impaired, which could materially and adversely affect our results of operations and financial condition
• Through reinsurance, we have sold or exited businesses that could again become our direct financial and administrative responsibility if the reinsurers become insolvent
• We are exposed to risks related to the creditworthiness and reporting systems of some of our agents, third-party administrators and clients
• Our subsidiaries’ inability to pay us sufficient dividends could prevent us from meeting our obligations and paying future stockholder dividends
• Our ability to declare and pay dividends on our capital stock may be limited
• The Use of Artificial Intelligence Systems by Insurers
• Changes in tax laws and regulations could have a material adverse impact on our results of operations and financial condition
• Our business is subject to risks related to reductions in the insurance premium rates we charge
• Changes in insurance regulation may reduce our profitability and limit our growth
• Our common stock may be subject to stock price and trading volume volatility
• Employee misconduct could harm us by subjecting us to significant legal liability, regulatory scrutiny and reputational harm
• Applicable laws and our certificate of incorporation and by-laws may discourage takeovers and business combinations that some stockholders might consider to be in their best interests

Filings

Other Financials companies