Stock analysis · Bull Rankings model

AIZ analysis

Assurant, Inc. — Insurance - Property & Casualty. Scored on the same transparent model behind the daily rankings.

★
AIZ
Assurant, Inc. · Insurance - Property & Casualty
Rev+7.9%B
P/E13.7xB
ROE18.3%B+
P/B2.31C+
Yield1.2%C+
62.1Financial strength
$285.41$14.1B
1Y Target$322.33Analyst consensus · 6 analysts
5Y Target$406.94Compound horizon
10Y Target$521.89Long-dated conviction
Rev+7.9%
B
Revenue +7.9% — at or above S&P median
P/E13.7x
B
P/E 13.7 — near the Financial Services median (≈60th pctile)
ROE18.3%
B+
ROE 18.3% — above long-run market (~13%)
P/B2.31
C+
P/B 2.31 — richly valued vs book
Yield1.2%
C+
Yield 1.2% — small income component

Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.

Financial strength · 62.1 / 100
Profitability85.0
Value (P/B)41.8
Income45.3

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week high
6% off the 12-month high

Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.

Why now
Assurant’s Global Lifestyle segment is locking in recurring cash streams from mobile device protection contracts, fueling a compounding revenue engine that is already delivering 7.9% YoY growth while the business converts that into an impressive 18.3% ROE on a modest 13.7 P/E multiple. The low‑beta (0.54) balance sheet (D/E 0.36) gives management flexibility to reinvest in higher‑margin extensions, and the whole thesis hinges on the continued expansion of connected‑device insurance as devices proliferate worldwide.
Moat
The moat lives in the embedded protection contracts tied to consumer electronics and appliances sold through the Global Lifestyle channel – a distribution lock‑in that creates high switching costs for both manufacturers and end‑users. This recurring‑revenue model underpins the 18.3% ROE, as pricing power stems from category leadership in device‑level coverage that competitors can’t replicate without costly integration.
Risk
The bear case centers on the modest 7.9% revenue growth, which may stall if device replacement cycles lengthen or if insurers face pricing pressure, compressing the already thin 7.9% profit margin. A P/E of 13.7, while reasonable, suggests the market has priced in near‑term growth; a slowdown would force the stock toward the lower end of its 52‑week range ($205). A breach of the 52‑week low would confirm the growth story is unraveling.
Horizon
1-3 yr $322.33 (6-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $406.94 at ~7% CAGR — dividend + buyback compounding. 10 yr $521.89 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · AIZ

Not enough history yet — the model records AIZ's score after each daily run, and the chart appears once a few days have accumulated.

AIZ at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY85VALUE42COVERED INCOME4562.1/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+32%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$285$205 LOWHIGH $304Trading at the 81st percentile of its 52-week range ($205–$304).

Every figure here comes from the same audited fundamentals behind the score. Charts drawn from data the score does not use say so on the card.

Analyst estimate revisions

30-day change+3.6%
90-day change+3.8%
Forward EPS estimate$23.32

Over the last 90 days, what analysts expect AIZ to earn is drifting higher (+3.8%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →

Position sizing · AIZ
Shares to buy
7
Position size
$1,998
4.0% of portfolio
Stop price
$214.06
25% below $285.41
$ at risk if stopped
$499.47
budget $500.00 · 1% of portfolio

Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.

Latest AIZ developments

Recent headlines from across the financial press · updated daily. Links open the source.

Assurant, Inc. (AIZ): score, valuation & FAQ

Assurant, Inc. (AIZ) is a Insurance - Property & Casualty company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are ROE (B+).

Is AIZ a good stock to buy?

Bull Rankings grades AIZ on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by ROE (B+). A score is a quantitative screen of Assurant, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade AIZ?

As a bank, insurer or REIT, AIZ isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on ROE (B+).

Is AIZ overvalued or undervalued?

We don't compute a reliable discounted-cash-flow value for AIZ — typically because it is not yet consistently profitable or free-cash-flow positive — so its valuation rests on growth and price-to-sales rather than on earnings-based intrinsic value. Judge it on the trajectory of the business, not a single multiple.

What are the main risks of investing in AIZ?

The bear case centers on the modest 7.9% revenue growth, which may stall if device replacement cycles lengthen or if insurers face pricing pressure, compressing the already thin 7.9% profit margin. A P/E of 13.7, while reasonable, suggests the market has priced in near‑term growth; a slowdown would force the stock toward the lower end of its 52‑week range ($205). A breach of the 52‑week low would confirm the growth story is unraveling.

New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.

Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.

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