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Friday 6 November 2026
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Assurant, Inc.
AIZ Financial Insurance Property & Casualty
Assurant, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $12.8 billion, up 7.89% from fiscal 2024.
- Revenue
- +9.22%
- EPS
- +6.97%
- Free cash flow
- +99.0%
- Total debt
- +0.10%
Quarter to September 2026, against a year earlier
305.43
1.44
−0.47%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
10.41 | 10.47 | 21.50 | 22.37 | 19.35 | 6.75 | 25.57 | 14.13 | 14.66 | 14.05 |
Piotroski F-Score |
7 | 6 | 5 | 8 | 7 | 6 | 6 | 8 | 8 | 7 |
P/S ratio |
0.77 | 0.85 | 0.66 | 0.85 | 0.85 | 0.90 | 0.68 | 0.81 | 0.93 | 0.95 |
P/FCF ratio |
246.41 | 11.03 | 9.23 | 6.23 | 6.71 | 15.51 | 16.86 | 9.60 | 9.92 | 7.60 |
P/Operating CF |
32.65 | 33.27 | 26.22 | 33.07 | 18.59 | 36.19 | 24.98 | 24.77 | 107.24 | 18.12 |
P/B ratio |
1.41 | 1.27 | 1.03 | 1.43 | 1.38 | 1.69 | 1.64 | 1.87 | 2.16 | 2.07 |
Price to Tangible BV |
1.93 | 1.79 | 0.00 | 10.26 | 5.41 | 5.80 | 9.56 | 5.80 | 5.64 | 4.50 |
EV/Sales |
0.77 | 0.86 | 0.75 | 0.86 | 0.86 | 0.92 | 0.74 | 0.85 | 0.95 | 0.98 |
EV/EBITDA |
6.40 | 11.19 | 12.01 | 9.67 | 9.98 | 8.89 | 11.74 | 8.49 | 8.98 | 8.66 |
EV/Operating CF |
53.42 | 10.42 | 9.21 | 5.84 | 6.14 | 12.00 | 12.59 | 8.29 | 8.48 | 6.83 |
EV/FCF |
247.90 | 11.18 | 10.54 | 6.34 | 6.74 | 15.78 | 18.30 | 10.08 | 10.17 | 7.84 |
Quick Ratio |
0.50 | 0.51 | 0.39 | 0.40 | 0.43 | 0.41 | 0.41 | 0.40 | 0.42 | 0.38 |
Current Ratio |
0.50 | 0.51 | 0.39 | 0.40 | 0.43 | 0.41 | 0.41 | 0.40 | 0.42 | 0.38 |
Net Debt/EBITDA |
0.06 | 0.14 | 1.49 | 0.16 | 0.05 | 0.15 | 0.93 | 0.41 | 0.22 | 0.26 |
Debt/Assets |
3.59% | 3.35% | 4.88% | 4.53% | 5.05% | 6.49% | 6.43% | 6.19% | 5.95% | 6.08% |
Debt/Equity |
0.26 | 0.25 | 0.39 | 0.35 | 0.38 | 0.40 | 0.50 | 0.43 | 0.41 | 0.38 |
Asset Turnover |
0.25 | 0.21 | 0.22 | 0.22 | 0.22 | 0.26 | 0.30 | 0.33 | 0.35 | 0.36 |
Operating CF/Net income |
0.19 | 1.02 | 2.77 | 3.88 | 3.18 | 0.58 | 2.16 | 1.79 | 1.77 | 2.12 |
Capex/Depreciation |
0.32 | (3.04) | (1.18) | (0.88) | (0.85) | (1.09) | (1.02) | (1.03) | (0.99) | (0.94) |
Interest Coverage |
15.73 | 9.98 | 4.33 | 6.59 | 6.53 | 7.90 | 4.23 | 8.47 | 9.67 | 10.91 |
| 13.12% | 12.40% | 5.03% | 6.73% | 7.26% | 23.78% | 5.71% | 14.06% | 15.18% | 15.76% | |
| 1.89% | 1.69% | 0.65% | 0.85% | 0.95% | 3.45% | 0.83% | 1.90% | 2.19% | 2.43% | |
ROIC |
12.83% | 6.38% | 3.54% | 6.63% | 6.02% | 8.57% | 4.54% | 9.58% | 10.77% | 10.88% |
Return on Tangible Assets |
(5.22%) | (4.56%) | (1.30%) | (1.90%) | (3.21%) | (9.63%) | (1.87%) | (4.20%) | (4.90%) | (5.30%) |
Average Days of Receivables |
499.21 | 627.44 | 489.66 | 430.50 | 310.11 | 291.05 | 336.81 | 292.31 | 296.04 | 240.99 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
63.65% | 63.14% | 65.54% | 67.13% | 69.18% | 69.51% | 72.27% | 69.13% | 68.00% | 67.80% |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.15 | 0.11 | 0.10 | 0.11 | 0.11 | 0.10 | 0.09 | 0.09 |
Share Based Compensation of Revenue |
0.55% | 0.55% | 0.71% | 0.58% | 0.60% | 0.65% | 0.61% | 0.67% | 0.68% | 0.67% |
Graham Net Nets |
(2.48) | (2.85) | (4.51) | (3.14) | (3.46) | (1.98) | (2.59) | (2.04) | (1.68) | (1.66) |
Graham Number |
116.65 | 128.87 | 90.04 | 109.95 | 125.23 | 219.04 | 93.35 | 156.85 | 179.76 | 211.82 |
Earnings Yield |
9.60% | 9.55% | 4.65% | 4.47% | 5.17% | 14.81% | 3.91% | 7.08% | 6.82% | 7.12% |
Free Cash Flow Yield |
0.41% | 9.06% | 10.83% | 16.05% | 14.91% | 6.45% | 5.93% | 10.42% | 10.08% | 13.15% |
Revenue per Share |
122.95 | 116.66 | 136.02 | 154.48 | 159.65 | 172.26 | 187.47 | 210.55 | 229.72 | 253.90 |
Operating CF per Share |
1.77 | 9.65 | 11.09 | 22.82 | 22.32 | 13.22 | 10.98 | 21.53 | 25.78 | 36.34 |
Capex per Share |
(1.39) | (0.65) | (1.40) | (1.78) | (2.02) | (3.17) | (3.43) | (3.83) | (4.28) | (4.67) |
Free Cash Flow per Share |
0.38 | 8.99 | 9.69 | 21.04 | 20.31 | 10.05 | 7.55 | 17.70 | 21.50 | 31.67 |
Cash per Share |
16.85 | 18.13 | 21.17 | 30.14 | 36.72 | 34.51 | 28.26 | 30.78 | 34.96 | 36.34 |
Shareholders Equity per Share |
66.90 | 77.86 | 86.66 | 91.73 | 99.06 | 92.39 | 77.77 | 90.97 | 98.77 | 116.34 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
66.90 | 77.86 | 86.66 | 91.73 | 99.06 | 92.39 | 77.77 | 90.97 | 98.77 | 116.34 |
Free Cash Flow |
23.40 | 494.50 | 573.90 | 1,303.10 | 1,220.80 | 594.30 | 410.60 | 935.60 | 1,111.40 | 1,598.40 |
Working Capital |
(11,174.60) | (11,750.60) | (18,549.10) | (19,602.80) | (13,598.90) | (14,660.50) | (15,449.60) | (15,810.20) | (16,111.90) | (17,150.40) |
Capital Expenditures |
(85.20) | (35.90) | (82.80) | (110.30) | (121.20) | (187.40) | (186.30) | (202.50) | (221.30) | (235.50) |
Net Current Asset Value |
(14,277.80) | (15,537.20) | (23,891.90) | (25,455.80) | (28,333.20) | (18,292.00) | (17,946.10) | (18,283.50) | (18,472.70) | (20,123.20) |
EV/EBIT |
6.40 | 11.19 | 13.95 | 11.34 | 12.06 | 10.62 | 16.40 | 10.31 | 10.92 | 10.47 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Price to Operating Income |
6.79 | 12.28 | 15.89 | 13.14 | 14.17 | 11.95 | 19.78 | 11.13 | 11.89 | 11.18 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
(0.78) | 0.03 | 0.18 | 0.29 | 0.32 | 0.31 | 0.28 | 0.29 | 0.29 | 0.30 |
Cash ROIC |
0.38% | 7.79% | 6.84% | 13.64% | 11.72% | 6.12% | 5.20% | 10.98% | 12.35% | 16.12% |
Accounts Receivable Turnover |
0.79 | 0.60 | 0.74 | 0.87 | 0.99 | 1.25 | 1.16 | 1.22 | 1.28 | 1.42 |
Accounts Payable Turnover |
0.08 | 0.08 | 0.09 | 0.08 | 0.08 | 0.09 | 0.09 | 0.10 | 0.10 | 0.11 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
4,464.69 | 4,567.83 | 4,716.99 | 4,928.82 | 3,731.77 | 4,000.31 | 3,982.02 | 3,735.63 | 3,561.41 | 3,341.65 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
9,516.16 | 10,664.35 | 10,918.50 | 11,047.85 | 9,720.25 | 8,139.00 | 8,764.75 | 9,160.30 | 9,274.15 | 9,047.10 |
Average Payables |
22,045.64 | 22,765.70 | 26,841.90 | 31,244.80 | 27,738.65 | 23,697.00 | 24,938.45 | 25,777.10 | 26,401.55 | 26,899.05 |
Average Assets |
29,872.75 | 30,776.05 | 36,466.15 | 42,690.25 | 44,470.55 | 39,285.25 | 33,518.95 | 33,376.25 | 34,327.90 | 35,655.10 |
Average Common Equity |
4,311.03 | 4,189.80 | 4,706.25 | 5,405.10 | 5,815.55 | 5,708.00 | 4,846.40 | 4,519.10 | 4,958.10 | 5,489.15 |
Columns are period end dates · fundamentals updated 5 Nov 2026