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About The Company
CEO
Mr. Keith Warner Demmings
Market Cap
10.26 Billion USD
Sector
Financial Services
Website
https://www.assurant.comLast Update
08/05/2025, 18:43:22
Description
Assurant, Inc., together with its subsidiaries, provides lifestyle and housing solutions that support, protect, and connect consumer purchases in North America, Latin America, Europe, and the Asia Pacific.
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Overview
Value
50
Growth
31
Health
36
Management
18
Analyst Opinion
63
Total
33
All Scores Out Of 100
Best Features
- Earnings growth has improved recently
- Has a low level of debt
- Has a history of share buybacks
- Price-to-earnings ratio of 13.6 is lower than the market average (19.6x)
- Has strong dividend growth
- Low preportion of income is paid as dividend
- Very safe dividend
Risk Factors
- No margin of safety at their current market price
- Disliked by Twitter users
- Poor earnings and cashflow growth
- Accounting anomalies: Growing revenues without a corresponding growth in cash flows.
Market Peers
AIZ
Key Figures
PE Ratio (TTM)
13.60
Margin Of Safety (DCF)
-11.49%
Revenue Growth (5 Year Average)
1.56%
Ratings Consensus
Neutral
Share Buybacks
0.83%
Dividend Yeild (TTM)
1.55%
Valuation
Value Score
50
- ✔ Price-to-earnings ratio of 13.6 is lower than the market average (19.6x)
- ✔ Free-cashflow-yeild of 12.57% is better than the market average (4.7%)
- ✘ Estimated intrinsic-value of 175.04 USD is lower than current price ( 202.33 USD)
- ✘ Margin-of-safety of -11.49% is worse than the market average (17.95%)
Desired Margin Of Safety
0%
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Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Buy Target: < 210.7 USD ✔
Current Price: 197.8 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.
Price/Earnings
13.60x
Free Cashflow Yeild
12.57%
PE/Earnings Growth
0.26
Price/Book
1.97x
Growth
Growth Score
31
- ✔ Revenue growth has improved this yeara
- ✔ 5 Year Average Earnings growth of 16.28% is higher than the market average (14.48%)
- ✔ Earnings growth has improved this year
- ✔ Free Cashflow growth has improved this year
- ✘ 5 Year Average Revenue growth of 1.56% is lower than the market average (10.97%)
- ✘ 5 Year Average Free Cashflow growth of -5.66% is lower than the market average (12.35%)
Revenue Growth
1.56%
Earnings Growth
16.28%
Cashflow Growth
-5.66%
Health
Health Score
36
Altman Z Score
0.84
Piostroski Score
6.00
Debt/Equity
0.41x
Current Assets/Liabilities
3.48x
Free Cashflow/Total Debt
0.02x
Debt/Capital
0.15x
Dividend
Secure Dividend Score
78
- ✔ Very safe
- ✔ Long term dividend payout ratio of 37.98% is considered good
- ✔ Payout ratio (TTM) of 20.51% is lower than the average (40%)
- ✔ Dividends have shown growth over the last 5 years
- ✔ Dividend growth has been accelerating recently
- ✔ Spending a lower percentage of their income on dividends than last 5 years
- ✘ Dividend yeild of 1.55% is less than the market average (1.85%)
Dividend Yeild
1.55%
Dividend Growth
9.60%
Payout Ratio (Earnings)
20.51%
Payout Ratio (Cashflow)
12.33%
Management
Management Score
18
- ✔ Has repurchased shares when value is good
- ✔ Has a history of returning value to shareholders through stock buybacks
- ✔ Has returned higher dividends when earnings have risen
- ✘ Return-on-capital-employed of 1.04% is lower than the market average (10%)
- ✘ Return-on-equity of 3.87% is lower than the market average (15%)
Average Buybacks/Dilution
0.83%
Recent Buybacks/Dilution
-1.60%
5 Year Price Volitility
18.32%
Return On Assets
0.57%
Return On Capital Employed
1.04%
Return On Equity
3.87%
Return On Free Cashflow
N/A
Return On Investments
2.32%
Analysts
Analyst Opinion
63
- ✔ Ratings consensus is Neutral
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
Other Information
Company Name
Assurant, Inc.
Currency
USD
Beta
0.606
Vol Avg
445953
Ceo
Mr. Keith Warner Demmings
Cik
0001267238
Cusip
04621X108
Exchange
New York Stock Exchange
Full Time Employees
14200
Industry
Insurance - Specialty
Sector
Financial Services
Ipo Date
2004-02-05
Address
55 Broadway
City
New York
State
NY
Country
US
Zip
10006
Phone
212 859 7000
Analysis Last Updated
08/05/2025, 18:43:22
All financial data provided by FMP
Social Sentiment
Social Sentiment Score
1
Twitter Sentiment
1.00
Stocktwits Sentiment
1.00