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Assurant (AIZ) Stock Analysis

This is a peer-relative look at Assurant (AIZ): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Assurant (AIZ)
Profile ItemAIZ
NameAssurant Inc.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupInsurance
GICS IndustryInsurance
GICS Sub-IndustryMulti-line Insurance
Market Capitalization15.06 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateFebruary 5, 2004
Security TypeCommon Stock

Price Performance

Cumulative Growth

AIZ
GSPC
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Assurant (AIZ) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Assurant (AIZ) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Assurant (AIZ) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Assurant (AIZ) metric values compared with Insurance industry-group medians
MetricCurrent stock: AIZIndustry group median
Total Return (1Y)42.48%13.21%
Total Return (3Y, Annualized)26.94%16.41%
Total Return (5Y, Annualized)16.38%10.37%

Risk Profile

Drawdown History

AIZ
GSPC
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Assurant (AIZ) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Assurant (AIZ) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Assurant (AIZ) metric values compared with Insurance industry-group medians
MetricCurrent stock: AIZIndustry group median
Volatility (1Y, Annualized)22.42%28.84%
Beta (5Y)0.480.50
Max Drawdown (5Y)-44.63%-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. AIZ is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Assurant (AIZ) metric values compared with Insurance industry-group medians
MetricCurrent stock: AIZIndustry group median
Sharpe Ratio (1Y)1.700.28
Sortino Ratio (1Y)2.570.41

Profitability

ROE (TTM)

Assurant (AIZ) posts ROE of 18.27%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

AIZ

Insurance industry group

18.27%

Group distribution
Max
41.68%
Q3
22.04%
AIZ
18.27%
Median
14.81%
Q1
8.79%
Min
-10.66%
Largest peers
PGR
33.24%
TRV
27.50%
MRSH
27.24%
AIZ
18.27%
CB
14.25%
MFC
12.24%
AJG
7.21%
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Where Assurant (AIZ) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Assurant (AIZ) keeps 7.80% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

AIZ

Insurance industry group

7.80%

Group distribution
Max
29.92%
Q3
17.03%
Median
10.97%
AIZ
7.80%
Q1
6.21%
Min
-4.68%
Largest peers
MFC
18.97%
CB
18.13%
TRV
17.03%
MRSH
14.20%
PGR
12.67%
AJG
10.78%
AIZ
7.80%
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Where Assurant (AIZ) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Assurant (AIZ) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Assurant (AIZ) metric values compared with Insurance industry-group medians
MetricCurrent stock: AIZIndustry group median
ROE (TTM)18.27%14.81%
ROA (TTM)2.57%2.72%
Net Margin (TTM)7.80%10.97%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Assurant (AIZ) grew revenue 7.89%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Assurant (AIZ): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Assurant (AIZ) grew earnings per share 17.08%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Assurant (AIZ): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Assurant (AIZ) metric values compared with Insurance industry-group medians
MetricCurrent stock: AIZIndustry group median
Revenue Growth (YoY)7.89%7.89%
Revenue Growth (3Y CAGR)7.93%11.40%
EPS Growth (YoY)17.08%21.77%
EPS Growth (3Y CAGR)49.67%18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Assurant (AIZ) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Assurant (AIZ) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Assurant (AIZ) metric values compared with Insurance industry-group medians
MetricCurrent stock: AIZIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Assurant (AIZ) has dividend yield of 1.15%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

AIZ

Insurance industry group

1.15%

Group distribution
Max
5.12%
Q3
2.15%
AIZ
1.15%
Median
0.98%
Q1
0.00%
Min
0.00%
Largest peers
MFC
4.32%
MRSH
1.80%
TRV
1.17%
AIZ
1.15%
CB
1.07%
AJG
0.95%
PGR
0.17%
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Where Assurant (AIZ) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Assurant (AIZ) has payout ratio of 16.60%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

AIZ

Insurance industry group

16.60%

Group distribution
Max
76.67%
Q3
35.18%
AIZ
16.60%
Median
14.74%
Q1
0.00%
Min
0.00%
Largest peers
PGR
70.03%
MFC
54.30%
MRSH
44.14%
AJG
41.98%
AIZ
16.60%
CB
13.95%
TRV
12.36%
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Where Assurant (AIZ) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Assurant (AIZ) metric values compared with Insurance industry-group medians
MetricCurrent stock: AIZIndustry group median
Dividend Yield (TTM)1.15%0.98%
Dividend Payout Ratio (TTM)16.60%14.74%

Valuation

P/E Ratio (TTM)

Assurant (AIZ) trades at P/E ratio of 14.48, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

AIZ

Insurance industry group

14.48

Group distribution
Max
28.37
Q3
18.75
AIZ
14.48
Median
12.23
Q1
9.08
Min
2.32
Largest peers
AJG
42.99
MRSH
24.50
MFC
17.23
AIZ
14.48
CB
12.79
PGR
11.47
TRV
10.39
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Where Assurant (AIZ) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Assurant (AIZ) trades at 1.10 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

AIZ

Insurance industry group

1.10

Group distribution
Max
4.03
Q3
2.25
Median
1.23
AIZ
1.10
Q1
0.85
Min
0.07
Largest peers
AJG
4.58
MRSH
3.42
CB
2.25
MFC
2.11
TRV
1.66
PGR
1.44
AIZ
1.10
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Where Assurant (AIZ) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Assurant (AIZ) trades at 2.52 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

AIZ

Insurance industry group

2.52

Group distribution
Max
5.07
Q3
2.79
AIZ
2.52
Median
1.76
Q1
1.23
Min
0.30
Largest peers
MRSH
6.64
PGR
3.82
AJG
3.00
TRV
2.79
AIZ
2.52
MFC
2.13
CB
1.91
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Where Assurant (AIZ) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Assurant (AIZ) metric values compared with Insurance industry-group medians
MetricCurrent stock: AIZIndustry group median
P/E Ratio (TTM)14.4812.23
P/S Ratio (TTM)1.101.23
P/B Ratio (MRQ)2.521.76
Free Cash Flow Yield (TTM)----