AIZ:NYE-Assurant, Inc (USD)

COMMON STOCK | Insurance—Specialty | NYE

Last Closing Price

USD 103.06

Change

+0.48 (+0.47)%

Market Cap

USD 6.15B

Volume

0.30M

Average Target Price

USD 143.17 (+38.92%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Assurant, Inc., through its subsidiaries, provides risk management solutions for housing and lifestyle markets in North America, Latin America, Europe, and the Asia Pacific. The company operates through three segments: Global Housing, Global Lifestyle, and Global Preneed. Its Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; and renters insurance and related products, as well as voluntary manufactured housing insurance, homeowners insurance, and other products. The Global Lifestyle segment offers mobile device protection products and related services, and extended service contracts for consumer electronics and appliances, as well as assistance services; vehicle protection and related services; and credit and other insurance services. Its Global Preneed segment provides pre-funded funeral insurance and annuity products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in New York, New York.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-06-01 )

Largest Industry Peers for Insurance—Specialty

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
FNF Fidelity National Financial, I..

+0.70 (+2.19%)

USD8.68B 10.54 N/A
AIZP Assurant, Inc

+0.16 (+0.15%)

USD6.09B 15.58 N/A
FAF First American Financial Corpo..

+1.90 (+3.76%)

USD5.63B 8.80 N/A
RDN Radian Group Inc

+0.80 (+5.04%)

USD3.18B 5.11 N/A
MTG MGIC Investment Corporation

+0.40 (+4.87%)

USD2.78B 4.60 N/A
AGO Assured Guaranty Ltd

+0.79 (+3.05%)

USD2.32B 9.51 N/A
EIG Employers Holdings, Inc

+0.09 (+0.30%)

USD0.91B 14.15 N/A
MBI MBIA Inc

-0.03 (-0.42%)

USD0.48B N/A N/A
PROS ProSight Global, Inc

-0.18 (-2.03%)

USD0.38B 10.37 N/A

ETFs Containing AIZ

Symbol Name Weight Mer Price(Change) Market Cap
KBWP Invesco KBW Property & Ca.. 4.17 % 0.35 %

+0.07 (+0.13%)

USD0.07B
DVLU First Trust Dorsey Wright.. 2.80 % 0.60 %

+0.06 (+0.44%)

USD0.01B

Market Performance

  Market Performance vs.
Industry/Classification (Insurance—Specialty)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -21.38% 80% B- 35% F
Dividend Return 0.96% 63% D 43% F
Total Return -20.42% 80% B- 35% F
Trailing 12 Months  
Capital Gain 3.10% 100% A+ 71% C-
Dividend Return 2.49% 63% D 56% F
Total Return 5.59% 100% A+ 72% C-
Trailing 5 Years  
Capital Gain 56.77% 100% A+ 86% B
Dividend Return 16.66% 86% B 62% D-
Total Return 73.43% 100% A+ 87% B+
Average Annual (5 Year Horizon)  
Capital Gain 11.92% 56% F 83% B
Dividend Return 2.43% 63% D 53% F
Total Return 14.35% 67% D+ 83% B
Risk Return Profile  
Volatility (Standard Deviation) 13.94% 89% B+ 58% F
Risk Adjusted Return 102.93% 100% A+ 90% A-
Market Capitalization 6.15B 90% A- 81% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance—Specialty)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 17.84 11% F 42% F
Price/Book Ratio 1.14 33% F 53% F
Price / Cash Flow Ratio 4.35 60% D- 56% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 6.89% 40% F 46% F
Return on Invested Capital 7.75% 40% F 61% D-
Return on Assets 0.92% 30% F 27% F
Debt to Equity Ratio 35.50% 30% F 71% C-
Technical Ratios  
Short Ratio 4.70 22% F 18% F
Short Percent 5.26% 33% F 52% F
Beta 0.58 78% C+ 78% C+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector