# Assurant Inc. (AIZ) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Insurance. Price $296.13, market value $14.6 billion.

## Valuation
- **P/E (trailing): 14.0×** (5-yr avg 14.4×, 3-yr avg 14.0×). Assurant Inc. trades at 14.0× trailing earnings, close to its own five-year average of 14.4×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.74**. A PEG of 0.74 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.1×**. Each dollar of revenue is priced at 1.1×.
- **Price / book: 2.4×**. The shares trade at 2.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.3%** (5-yr avg 9.5%). Free cash flow equals 11.3% of the market value, in line with its five-year average of 9.5%. Above 5% is generally attractive.
- **Earnings yield: 7.2%**. The inverse of the P/E: 7.2% of the price is earned each year.

## Profitability
- **Net margin: 6.8%**. 6.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 14.9%**. 14.9% on shareholders' equity is solid.
- **Return on assets: 2.9%**. Each dollar of assets produces 2.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 7.9%** (3-yr 7.9%/yr, 5-yr 6.0%/yr). Revenue grew 7.9% over the last year, against 6.0% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 17.1%** (3-yr 49.7%/yr, 5-yr 19.4%/yr). Earnings per share rose 17.1%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 57.3%/yr**. Free cash flow has compounded at 57.3% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $1.8 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.19%** ($3.44 per share, trailing). Assurant Inc. yields 1.19%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 19%** (11% of free cash flow). 19% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 22**. 22 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.2%/yr** (1-yr 10.8%). The dividend has grown 5.2% a year over five years.

## Price and momentum
- **Total return (1 yr): 42.0%** (YTD 24.3%, 3-mo 5.3%). The shares are up 42.0% over twelve months including dividends.
- **From 52-week high: -2.6%** (41.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 69**. An RSI of 69 is neutral.
- **Beta (1 yr): 0.12** (volatility 22%). Beta of 0.12 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=AIZ · Page: https://foliofundamentals.com/stocks/aiz

Not investment advice.