Assurant, Inc. AIZ
265.00
3.14
1.20%
as of 25 Sep
- Market cap
- $12.9B
- P/E
- 12.5×
Follow AIZ
Indexes
indicate stock being part of an index,
Growth Flags
show if company had growth for consecutive years
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
14.05 | 14.66 | 14.13 | 25.57 | 6.75 | 19.35 | 22.37 | 21.50 | 10.47 | 10.41 |
P/S ratio |
0.95 | 0.93 | 0.81 | 0.68 | 0.90 | 0.85 | 0.85 | 0.66 | 0.85 | 0.77 |
P/FCF ratio |
7.60 | 9.92 | 9.60 | 16.86 | 15.51 | 6.71 | 6.23 | 9.23 | 11.03 | 246.41 |
P/Operating CF |
18.12 | 107.24 | 24.77 | 24.98 | 36.19 | 18.59 | 33.07 | 26.22 | 33.27 | 32.65 |
P/B ratio |
2.07 | 2.16 | 1.87 | 1.64 | 1.69 | 1.38 | 1.43 | 1.03 | 1.27 | 1.41 |
Price to Tangible BV |
4.50 | 5.64 | 5.80 | 9.56 | 5.80 | 5.41 | 10.26 | 0.00 | 1.79 | 1.93 |
EV/Sales |
0.98 | 0.95 | 0.85 | 0.74 | 0.92 | 0.86 | 0.86 | 0.75 | 0.86 | 0.77 |
EV/EBITDA |
8.66 | 8.98 | 8.49 | 11.74 | 8.89 | 9.98 | 9.67 | 12.01 | 11.19 | 6.40 |
EV/Operating CF |
6.83 | 8.48 | 8.29 | 12.59 | 12.00 | 6.14 | 5.84 | 9.21 | 10.42 | 53.42 |
EV/FCF |
7.84 | 10.17 | 10.08 | 18.30 | 15.78 | 6.74 | 6.34 | 10.54 | 11.18 | 247.90 |
Quick Ratio |
0.38 | 0.42 | 0.40 | 0.41 | 0.41 | 0.43 | 0.40 | 0.39 | 0.51 | 0.50 |
Current Ratio |
0.38 | 0.42 | 0.40 | 0.41 | 0.41 | 0.43 | 0.40 | 0.39 | 0.51 | 0.50 |
Net Debt/EBITDA |
0.26 | 0.22 | 0.41 | 0.93 | 0.15 | 0.05 | 0.16 | 1.49 | 0.14 | 0.06 |
Debt/Assets |
6.08% | 5.95% | 6.19% | 6.43% | 6.49% | 5.05% | 4.53% | 4.88% | 3.35% | 3.59% |
Debt/Equity |
0.38 | 0.41 | 0.43 | 0.50 | 0.40 | 0.38 | 0.35 | 0.39 | 0.25 | 0.26 |
Asset Turnover |
0.36 | 0.35 | 0.33 | 0.30 | 0.26 | 0.22 | 0.22 | 0.22 | 0.21 | 0.25 |
Operating CF/Net income |
2.12 | 1.77 | 1.79 | 2.16 | 0.58 | 3.18 | 3.88 | 2.77 | 1.02 | 0.19 |
Capex/Depreciation |
(0.94) | (0.99) | (1.03) | (1.02) | (1.09) | (0.85) | (0.88) | (1.18) | (3.04) | 0.32 |
Interest Coverage |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 15.76% | 15.18% | 14.06% | 5.71% | 23.78% | 7.26% | 6.73% | 5.03% | 12.40% | 13.12% | |
| 2.43% | 2.19% | 1.90% | 0.83% | 3.45% | 0.95% | 0.85% | 0.65% | 1.69% | 1.89% | |
ROIC |
10.88% | 10.77% | 9.58% | 4.54% | 8.57% | 6.02% | 6.63% | 3.54% | 6.38% | 12.83% |
Return on Tangible Assets |
(5.30%) | (4.90%) | (4.20%) | (1.87%) | (9.63%) | (3.21%) | (1.90%) | (1.30%) | (4.56%) | (5.22%) |
Average Days of Receivables |
240.99 | 296.04 | 292.31 | 336.81 | 291.05 | 310.11 | 430.50 | 489.66 | 627.44 | 499.21 |
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 |
67.80% | 68.00% | 69.13% | 72.27% | 69.51% | 69.18% | 67.13% | 65.54% | 63.14% | 63.65% |
Intangible Assets out of Total Assets |
0.09 | 0.09 | 0.10 | 0.11 | 0.11 | 0.10 | 0.11 | 0.15 | 0.04 | 0.04 |
Share Based Compensation of Revenue |
0.67% | 0.68% | 0.67% | 0.61% | 0.65% | 0.60% | 0.58% | 0.71% | 0.55% | 0.55% |
Graham Net Nets |
(1.66) | (1.68) | (2.04) | (2.59) | (1.98) | (3.46) | (3.14) | (4.51) | (2.85) | (2.48) |
Graham Number |
211.82 | 179.76 | 156.85 | 93.35 | 219.04 | 125.23 | 109.95 | 90.04 | 128.87 | 116.65 |
Earnings Yield |
7.12% | 6.82% | 7.08% | 3.91% | 14.81% | 5.17% | 4.47% | 4.65% | 9.55% | 9.60% |
Free Cash Flow Yield |
13.15% | 10.08% | 10.42% | 5.93% | 6.45% | 14.91% | 16.05% | 10.83% | 9.06% | 0.41% |
Revenue per Share |
253.90 | 229.72 | 210.55 | 187.47 | 172.26 | 159.65 | 154.48 | 136.02 | 116.66 | 122.95 |
Operating CF per Share |
36.34 | 25.78 | 21.53 | 10.98 | 13.22 | 22.32 | 22.82 | 11.09 | 9.65 | 1.77 |
Capex per Share |
(4.67) | (4.28) | (3.83) | (3.43) | (3.17) | (2.02) | (1.78) | (1.40) | (0.65) | (1.39) |
Free Cash Flow per Share |
31.67 | 21.50 | 17.70 | 7.55 | 10.05 | 20.31 | 21.04 | 9.69 | 8.99 | 0.38 |
Cash per Share |
36.34 | 34.96 | 30.78 | 28.26 | 34.51 | 36.72 | 30.14 | 21.17 | 18.13 | 16.85 |
Shareholders Equity per Share |
116.34 | 98.77 | 90.97 | 77.77 | 92.39 | 99.06 | 91.73 | 86.66 | 77.86 | 66.90 |
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 |
116.34 | 98.77 | 90.97 | 77.77 | 92.39 | 99.06 | 91.73 | 86.66 | 77.86 | 66.90 |
Free Cash Flow |
1,598.40 | 1,111.40 | 935.60 | 410.60 | 594.30 | 1,220.80 | 1,303.10 | 573.90 | 494.50 | 23.40 |
Working Capital |
(17,150.40) | (16,111.90) | (15,810.20) | (15,449.60) | (14,660.50) | (13,598.90) | (19,602.80) | (18,549.10) | (11,750.60) | (11,174.60) |
Capital Expenditures |
(235.50) | (221.30) | (202.50) | (186.30) | (187.40) | (121.20) | (110.30) | (82.80) | (35.90) | (85.20) |
Net Current Asset Value |
(20,123.20) | (18,472.70) | (18,283.50) | (17,946.10) | (18,292.00) | (28,333.20) | (25,455.80) | (23,891.90) | (15,537.20) | (14,277.80) |
EV/EBIT |
10.47 | 10.92 | 10.31 | 16.40 | 10.62 | 12.06 | 11.34 | 13.95 | 11.19 | 6.40 |
Capex to Sales |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Net Profit Margin |
6.75% | 6.34% | 5.71% | 2.71% | 13.32% | 4.40% | 3.80% | 2.94% | 8.10% | 7.51% |
Price to Operating Income |
11.18 | 11.89 | 11.13 | 19.78 | 11.95 | 14.17 | 13.14 | 15.89 | 12.28 | 6.79 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.30 | 0.29 | 0.29 | 0.28 | 0.31 | 0.32 | 0.29 | 0.18 | 0.03 | (0.78) |
Cash ROIC |
10.01% | 6.27% | 5.31% | (0.61%) | 2.27% | 8.60% | 10.25% | 3.15% | 2.88% | (3.79%) |
Accounts Receivable Turnover |
1.42 | 1.28 | 1.22 | 1.16 | 1.25 | 0.99 | 0.87 | 0.74 | 0.60 | 0.79 |
Accounts Payable Turnover |
0.11 | 0.10 | 0.10 | 0.09 | 0.09 | 0.08 | 0.08 | 0.09 | 0.08 | 0.08 |
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 |
3,341.65 | 3,561.41 | 3,735.63 | 3,982.02 | 4,000.31 | 3,731.77 | 4,928.82 | 4,716.99 | 4,567.83 | 4,464.69 |
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 |
9,047.10 | 9,274.15 | 9,160.30 | 8,764.75 | 8,139.00 | 9,720.25 | 11,047.85 | 10,918.50 | 10,664.35 | 9,516.16 |
Average Payables |
26,899.05 | 26,401.55 | 25,777.10 | 24,938.45 | 23,697.00 | 27,738.65 | 31,244.80 | 26,841.90 | 22,765.70 | 22,045.64 |
Average Assets |
35,655.10 | 34,327.90 | 33,376.25 | 33,518.95 | 39,285.25 | 44,470.55 | 42,690.25 | 36,466.15 | 30,776.05 | 29,872.75 |
Average Common Equity |
5,489.15 | 4,958.10 | 4,519.10 | 4,846.40 | 5,708.00 | 5,815.55 | 5,405.10 | 4,706.25 | 4,189.80 | 4,311.03 |
Columns are period end dates