Assurant, Inc. (AIZ) AI Stock Analysis

Assurant, Inc., operates through two core segments: Global Lifestyle and Global Housing. The Global Lifestyle segment provides solutions for mobile devices, consumer electronics, and appliances, including extended warranties, credit insurance, vehicle protection plans, and coverage for leased and financed items. The Global Housing segment provides homeowners insurance products, including lender-placed insurance, renters insurance, manufactured housing coverage, and voluntary insurance options. Originally known as Fortis, Inc., the company adopted the name Assurant in 2004. Headquartered in Atlanta, Georgia, Assurant maintains operations across North America, Latin America, Europe, and the Asia Pacific, employing 14,800 people.

Assurant grew revenue from $10.19B in FY2021 to $12.81B in FY2025, reflecting a 5-year revenue CAGR of 5.9%. Annual net income expanded from $445.6M in FY2021 to $872.7M in FY2025, with net margins lifting from 4.4% to 6.8%. Operating margin reached 8.5% in FY2025, up from 7.6% in FY2021 and 3.4% in FY2022. During the latest quarter ended June 30, 2026, revenue increased 9.4% year-over-year, while quarterly earnings growth was 30.5%. Over the trailing twelve months, revenue reached $13.46B with an operating margin of 11.7% and a profit margin of 7.9%.

As of June 30, 2026, Assurant reported $11.85B in cash and short-term investments against $2.21B in total debt, yielding a net cash position of $9.64B. Shareholders' equity was $6.10B, with a debt-to-equity ratio of 0.36 and a current ratio of 1.27. In FY2025, operating cash flow stood at $1.83B and free cash flow was $1.60B. The company allocated $235.5M to capital expenditures, $303.7M to share buybacks, and $168.4M to dividends in FY2025. Over the last 5 years, the total share count was reduced by 13.7%.

Assurant trades at a trailing P/E of 13.6x and a forward P/E of 10.9x, compared to medians of 14.2x and 12.6x, respectively, for the median of its S&P 500 Financial Services peers. The stock's price-to-sales ratio is 1.0x, below the peer median of 3.1x, with an EV-to-revenue multiple of 1.1x. Over the past year, Assurant delivered a total return of 38.4%, outpacing the 16.8% gain for the S&P 500 (SPY). Over a 5-year period, the stock generated a return of 89.6% compared to 83.0% for the S&P 500.

Assurant pays a quarterly dividend with an annualized forward payout of $3.52 per share, representing a dividend yield of 1.24%. The dividend payout ratio stands at 14.8%. The company has paid consecutive dividends for 23 years, delivering a 5-year annualized dividend growth rate of 5.2%. Its last ex-dividend date occurred on August 31, 2026.

Wall Street coverage includes 4 Strong Buy and 3 Buy ratings, with zero Hold, Sell, or Strong Sell recommendations. The mean price target is $326.67, representing a 15.3% premium over the last close of $283.31. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $13.88B and EPS of $22.47, indicating 13.7% EPS growth. The company beat EPS estimates in each of the last 4 quarters, and the next earnings date is November 3, 2026.

This page is an AI-written research summary of Assurant, Inc. (AIZ). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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