Assurant, Inc. Logo

Assurant, Inc.

AIZ

(2.5)
Stock Price

194,02 USD

1.73% ROA

14.13% ROE

16.67x PER

Market Cap.

8.648.524.170,00 USD

46.32% DER

1.71% Yield

5.77% NPM

Assurant, Inc. Stock Analysis

Assurant, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Assurant, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (46%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend Growth

With a history of consistent dividend increases over the last five years, the company has proven to be a reliable choice for investors seeking steady income.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROE

The stock's ROE falls within an average range (12%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.73%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.92x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (4.910), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

Assurant, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Assurant, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Buy
4 Stoch RSI Sell

Assurant, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Assurant, Inc. Revenue
Year Revenue Growth
2000 6.211.979.000
2001 6.186.874.000 -0.41%
2002 6.532.200.000 5.29%
2003 7.066.213.000 7.56%
2004 7.403.464.000 4.56%
2005 7.497.675.000 1.26%
2006 8.070.584.000 7.1%
2007 8.453.515.000 4.53%
2008 8.601.228.000 1.72%
2009 8.700.503.000 1.14%
2010 8.527.722.000 -2.03%
2011 8.272.804.000 -3.08%
2012 8.489.857.000 2.56%
2013 9.031.347.000 6%
2014 10.383.159.000 13.02%
2015 10.312.506.000 -0.69%
2016 7.107.689.000 -45.09%
2017 6.311.100.000 -12.62%
2018 8.000.700.000 21.12%
2019 10.072.500.000 20.57%
2020 9.593.400.000 -4.99%
2021 10.187.600.000 5.83%
2022 10.193.000.000 0.05%
2023 11.096.400.000 8.14%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Assurant, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Assurant, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 2.081.816.000
2001 1.846.550.000 -12.74%
2002 1.876.222.000 1.58%
2003 1.919.989.000 2.28%
2004 2.106.618.000 8.86%
2005 2.146.392.000 1.85%
2006 2.189.539.000 1.97%
2007 2.238.851.000 2.2%
2008 2.286.170.000 2.07%
2009 2.377.364.000 3.84%
2010 2.392.035.000 0.61%
2011 2.293.705.000 -4.29%
2012 4.034.809.000 43.15%
2013 4.504.691.000 10.43%
2014 5.173.788.000 12.93%
2015 5.326.662.000 2.87%
2016 4.794.070.000 -11.11%
2017 4.050.400.000 -18.36%
2018 5.281.200.000 23.31%
2019 3.250.500.000 -62.47%
2020 3.110.000.000 -4.52%
2021 3.240.600.000 4.03%
2022 0 0%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Assurant, Inc. EBITDA
Year EBITDA Growth
2000 218.910.000
2001 112.054.000 -95.36%
2002 -843.675.000 113.28%
2003 308.649.000 373.34%
2004 638.021.000 51.62%
2005 724.259.000 11.91%
2006 1.251.837.000 42.14%
2007 1.166.525.000 -7.31%
2008 686.428.000 -69.94%
2009 861.613.000 20.33%
2010 783.286.000 -10%
2011 884.246.000 11.42%
2012 942.444.000 6.18%
2013 992.285.000 5.02%
2014 934.749.000 -6.16%
2015 393.402.000 -137.61%
2016 1.031.350.000 61.86%
2017 609.700.000 -69.16%
2018 559.100.000 -9.05%
2019 676.100.000 17.31%
2020 646.500.000 -4.58%
2021 1.713.500.000 62.27%
2022 640.200.000 -167.65%
2023 915.200.000 30.05%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Assurant, Inc. Gross Profit
Year Gross Profit Growth
2000 6.211.979.000
2001 6.186.874.000 -0.41%
2002 6.532.200.000 5.29%
2003 7.066.213.000 7.56%
2004 7.403.464.000 4.56%
2005 7.497.675.000 1.26%
2006 8.070.584.000 7.1%
2007 8.453.515.000 4.53%
2008 8.601.228.000 1.72%
2009 8.700.501.000 1.14%
2010 8.527.722.000 -2.03%
2011 8.272.804.000 -3.08%
2012 8.489.857.000 2.56%
2013 9.031.347.000 6%
2014 10.383.159.000 13.02%
2015 10.312.506.000 -0.69%
2016 7.107.689.000 -45.09%
2017 6.311.100.000 -12.62%
2018 8.000.700.000 21.12%
2019 10.072.500.000 20.57%
2020 9.593.400.000 -4.99%
2021 10.187.600.000 5.83%
2022 10.193.000.000 0.05%
2023 11.096.400.000 8.14%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Assurant, Inc. Net Profit
Year Net Profit Growth
2000 89.684.000
2001 98.053.000 8.54%
2002 -1.001.199.000 109.79%
2003 185.652.000 639.29%
2004 350.560.000 47.04%
2005 479.355.000 26.87%
2006 717.418.000 33.18%
2007 653.746.000 -9.74%
2008 447.796.000 -45.99%
2009 430.574.000 -4%
2010 279.177.000 -54.23%
2011 545.839.000 48.85%
2012 483.705.000 -12.85%
2013 488.907.000 1.06%
2014 470.907.000 -3.82%
2015 141.555.000 -232.67%
2016 565.350.000 74.96%
2017 519.600.000 -8.8%
2018 251.000.000 -107.01%
2019 382.600.000 34.4%
2020 441.800.000 13.4%
2021 613.500.000 27.99%
2022 276.600.000 -121.8%
2023 760.400.000 63.62%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Assurant, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 1
2001 1 0%
2002 -9 100%
2003 2 1000%
2004 3 50%
2005 4 33.33%
2006 6 40%
2007 5 0%
2008 4 -66.67%
2009 4 0%
2010 3 -50%
2011 6 60%
2012 6 0%
2013 6 16.67%
2014 7 0%
2015 2 -200%
2016 9 77.78%
2017 9 0%
2018 4 -125%
2019 6 33.33%
2020 7 14.29%
2021 10 30%
2022 5 -100%
2023 14 64.29%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Assurant, Inc. Free Cashflow
Year Free Cashflow Growth
2002 290.296.000
2003 659.477.000 55.98%
2004 775.756.000 14.99%
2005 964.952.000 19.61%
2006 848.291.000 -13.75%
2007 1.144.885.000 25.91%
2008 943.067.000 -21.4%
2009 214.040.000 -340.6%
2010 489.531.000 56.28%
2011 819.557.000 40.27%
2012 623.241.000 -31.5%
2013 975.235.000 36.09%
2014 310.213.000 -214.38%
2015 139.676.000 -122.09%
2016 49.293.000 -183.36%
2017 468.300.000 89.47%
2018 573.900.000 18.4%
2019 1.303.100.000 55.96%
2020 1.220.800.000 -6.74%
2021 594.300.000 -105.42%
2022 410.600.000 -44.74%
2023 280.100.000 -46.59%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Assurant, Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 364.963.000
2003 741.228.000 50.76%
2004 834.165.000 11.14%
2005 1.020.152.000 18.23%
2006 922.997.000 -10.53%
2007 1.203.561.000 23.31%
2008 999.135.000 -20.46%
2009 269.925.000 -270.15%
2010 540.742.000 50.08%
2011 855.304.000 36.78%
2012 679.698.000 -25.84%
2013 1.027.561.000 33.85%
2014 393.816.000 -160.92%
2015 254.572.000 -54.7%
2016 134.526.000 -89.24%
2017 530.400.000 74.64%
2018 656.700.000 19.23%
2019 1.413.400.000 53.54%
2020 1.342.000.000 -5.32%
2021 781.700.000 -71.68%
2022 596.900.000 -30.96%
2023 330.500.000 -80.61%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Assurant, Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 74.667.000
2003 81.751.000 8.67%
2004 58.409.000 -39.96%
2005 55.200.000 -5.81%
2006 74.706.000 26.11%
2007 58.676.000 -27.32%
2008 56.068.000 -4.65%
2009 55.885.000 -0.33%
2010 51.211.000 -9.13%
2011 35.747.000 -43.26%
2012 56.457.000 36.68%
2013 52.326.000 -7.89%
2014 83.603.000 37.41%
2015 114.896.000 27.24%
2016 85.233.000 -34.8%
2017 62.100.000 -37.25%
2018 82.800.000 25%
2019 110.300.000 24.93%
2020 121.200.000 8.99%
2021 187.400.000 35.33%
2022 186.300.000 -0.59%
2023 50.400.000 -269.64%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Assurant, Inc. Equity
Year Equity Growth
2000 3.367.713.000
2001 3.452.405.000 2.45%
2002 2.555.059.000 -35.12%
2003 2.852.487.000 10.43%
2004 3.659.591.000 22.05%
2005 3.723.719.000 1.72%
2006 3.854.757.000 3.4%
2007 4.110.063.000 6.21%
2008 3.709.505.000 -10.8%
2009 4.853.249.000 23.57%
2010 4.780.537.000 -1.52%
2011 5.026.936.000 4.9%
2012 5.185.366.000 3.06%
2013 4.833.479.000 -7.28%
2014 5.181.307.000 6.71%
2015 4.523.967.000 -14.53%
2016 4.098.100.000 -10.39%
2017 4.281.500.000 4.28%
2018 5.133.900.000 16.6%
2019 5.682.100.000 9.65%
2020 5.954.800.000 4.58%
2021 5.489.700.000 -8.47%
2022 4.228.700.000 -29.82%
2023 4.490.600.000 5.83%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Assurant, Inc. Assets
Year Assets Growth
2000 24.392.536.000
2001 24.431.412.000 0.16%
2002 22.634.469.000 -7.94%
2003 23.728.319.000 4.61%
2004 24.503.896.000 3.17%
2005 25.365.453.000 3.4%
2006 25.165.148.000 -0.8%
2007 26.750.316.000 5.93%
2008 24.514.586.000 -9.12%
2009 25.841.796.000 5.14%
2010 26.397.018.000 2.1%
2011 27.115.445.000 2.65%
2012 28.946.607.000 6.33%
2013 29.714.689.000 2.58%
2014 31.562.466.000 5.85%
2015 30.075.948.000 -4.94%
2016 29.709.128.000 -1.23%
2017 31.843.000.000 6.7%
2018 41.089.300.000 22.5%
2019 44.291.200.000 7.23%
2020 44.649.900.000 0.8%
2021 33.911.500.000 -31.67%
2022 33.123.800.000 -2.38%
2023 33.208.800.000 0.26%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Assurant, Inc. Liabilities
Year Liabilities Growth
2000 21.024.823.000
2001 20.979.007.000 -0.22%
2002 20.079.410.000 -4.48%
2003 20.875.832.000 3.82%
2004 20.844.305.000 -0.15%
2005 21.641.734.000 3.68%
2006 21.310.391.000 -1.55%
2007 22.640.253.000 5.87%
2008 20.805.081.000 -8.82%
2009 20.988.547.000 0.87%
2010 21.616.481.000 2.9%
2011 22.088.509.000 2.14%
2012 23.761.241.000 7.04%
2013 24.881.210.000 4.5%
2014 26.381.159.000 5.69%
2015 25.551.981.000 -3.25%
2016 25.611.028.000 0.23%
2017 27.561.500.000 7.08%
2018 35.955.400.000 23.35%
2019 38.609.100.000 6.87%
2020 38.695.100.000 0.22%
2021 28.421.800.000 -36.15%
2022 28.895.100.000 1.64%
2023 2.080.000.000 -1289.19%

Assurant, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
201.76
Net Income per Share
9.86
Price to Earning Ratio
16.67x
Price To Sales Ratio
0.8x
POCF Ratio
8.36
PFCF Ratio
10.15
Price to Book Ratio
1.96
EV to Sales
0.86
EV Over EBITDA
12.03
EV to Operating CashFlow
8.84
EV to FreeCashFlow
10.92
Earnings Yield
0.06
FreeCashFlow Yield
0.1
Market Cap
8,65 Bil.
Enterprise Value
9,30 Bil.
Graham Number
136.44
Graham NetNet
203.39

Income Statement Metrics

Net Income per Share
9.86
Income Quality
1.99
ROE
0.12
Return On Assets
0.02
Return On Capital Employed
0.03
Net Income per EBT
0.8
EBT Per Ebit
1.03
Ebit per Revenue
0.07
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.07
Pretax Profit Margin
0.07
Net Profit Margin
0.06

Dividends

Dividend Yield
0.02
Dividend Yield %
1.71
Payout Ratio
0.29
Dividend Per Share
2.82

Operating Metrics

Operating Cashflow per Share
19.66
Free CashFlow per Share
15.91
Capex to Operating CashFlow
-0.19
Capex to Revenue
-0.02
Capex to Depreciation
-1.1
Return on Invested Capital
0.08
Return on Tangible Assets
0.02
Days Sales Outstanding
225.86
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.62
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-3.75

Balance Sheet

Cash per Share
148,61
Book Value per Share
83,88
Tangible Book Value per Share
530.46
Shareholders Equity per Share
83.88
Interest Debt per Share
40.89
Debt to Equity
0.46
Debt to Assets
0.06
Net Debt to EBITDA
0.85
Current Ratio
0
Tangible Asset Value
28,40 Bil.
Net Current Asset Value
8,29 Bil.
Invested Capital
0.46
Working Capital
10,37 Bil.
Intangibles to Total Assets
0.08
Average Receivables
6,66 Bil.
Average Payables
2,01 Bil.
Average Inventory
0
Debt to Market Cap
0.24

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Assurant, Inc. Dividends
Year Dividends Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 2 50%
2017 2 0%
2018 2 0%
2019 2 0%
2020 3 0%
2021 3 0%
2022 3 0%
2023 3 0%

Assurant, Inc. Profile

About Assurant, Inc.

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. The company operates through two segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service products and related services for mobile devices, consumer electronics, and appliances; vehicle protection and related services; and credit protection and other insurance products. The Global Housing segment provides lender-placed homeowners insurance, manufactured housing, and flood insurance; and renters insurance and related products, as well as voluntary manufactured housing insurance, voluntary homeowners insurance, and other specialty 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.

CEO
Mr. Keith Warner Demmings
Employee
13.600
Address
55 Broadway
New York, 10006

Assurant, Inc. Executives & BODs

Assurant, Inc. Executives & BODs
# Name Age
1 Mr. Jay E. Rosenblum
Executive Vice President & Chief Legal Officer
70
2 Mr. Robert A. Lonergan
Executive Vice President and Chief Marketing & Risk Officer
70
3 Mr. Keith Warner Demmings
President, Chief Executive Officer & Director
70
4 Mr. Keith Roland Meier
Executive Vice President & Chief Financial Officer
70
5 Ms. Francesca L. Luthi
Executive Vice President & Chief Operating Officer
70
6 Mr. Joseph A. Surber III
Senior Vice President & Global Technology Officer
70
7 Ms. Stacie Sherer
Vice President of Corporate Communications
70
8 Mr. Vadim Lipovetsky
Chief Investment Officer
70
9 Mr. Dimitry DiRienzo
Senior Vice President, Chief Accounting Officer & Controller
70
10 Mr. Sean Moshier
Vice President of Investor Relations
70

Assurant, Inc. Competitors