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Assurant Inc

Assurant Inc

AIZ
$282.46USD↑+0.53%+1.49 today

MARKET CAP

13.9B

P/E (TTM)

11.9x

FWD P/E

12.5x

DAY RANGE

$281 – $285

52W RANGE

$205
$304

AI Summary

Stalk
Buy NowMedium

AIZ is in Stage 2 advancing with an active Lockout Rally driving urgency and forced participation. After a strong advance into mid-August, price is digesting at the 9- and 20-day EMAs just above the 50-day SMA, offering a shallow pullback entry zone. Medium-term bias remains bullish, supported by continuation dynamics and intact intermediate trend. Short-term conditions favor execution now under the Lockout Rally override. Long-term uptrend is intact under the rising 200-day SMA.

  • ↑Q2 GAAP net income rose 27% YoY to $298.6M; EPS $5.95 (+30% YoY); adjusted EBITDA +24%.
  • ↑Raised full-year adjusted EBITDA and EPS guidance; projected earnings growth 7%.
  • ↓Growth factor score negative, analysts cutting estimates signals sustainability risk.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Assurant, Inc. (AIZ) is a leading provider of risk management solutions and specialized insurance products, primarily operating within the insurance and services sector. The company has a dominant presence in markets including global housing, automotive, and connected living, effectively positioning itself to capitalize on the growing demand for comprehensive insurance and risk management solutions. Assurant is particularly relevant in today’s market environment, as its solutions cater to the evolving consumer needs for protection in an increasingly interconnected world.

Bull says

  • ↑Q2 GAAP net income rose 27% YoY to $298.6M; EPS $5.95 (+30% YoY); adjusted EBITDA +24%.
  • ↑Raised full-year adjusted EBITDA and EPS guidance; projected earnings growth 7%.
  • ↑P/E at 13.4 trades below sector average, suggesting multiple expansion.
  • ↑Dividend increased 21 years, yield 1.25%, payout ratio ~16.8%, underpins stable cash flow.
  • ↑Consensus “Buy” ratings with price targets around $315 imply ~12% upside.
  • ↑High earnings yield, strong profitability & momentum, low leverage exposure.

Bear says

  • ↓Growth factor score negative, analysts cutting estimates signals sustainability risk.
  • ↓Financial health risks flagged by QS Score -1.21 may limit flexibility.
  • ↓Negative dividend yield factor suggests weak income driver amid rising rates.
  • ↓Insider selling by Executive VP could dent confidence and boost volatility.
  • ↓Macroeconomic uncertainty may pressure insurance demand and hamper growth.
  • ↓Skepticism over segment growth sustainability amid market changes.

Investment themes with AIZ

High Dividend Yield↓ -0.51%

Companies paying above-average dividends

AVGO · JPM · XOM
L&H Insurance↓ -0.09%

PGR · TRV · ALL
P&C Insurance↓ -0.79%

TRV · CB · AON

Earnings Call · Q1 2024 · Mgmt. Guidance

Updated 05-08-2025bullish

Transcript signals

Bull points

  • Our first quarter results represent a strong start to 2024 reflecting the position of strength from which Assurant continues to operate.
  • Adjusted EBITDA grew 31% year-over-year to $384 million and adjusted EPS grew 42% year-over-year both excluding reportable catastrophes.
  • Our ability to continue to drive financial performance and operational excellence has supported strong cash flow generation and a solid capital position.

Bear points

  • We expect auto earnings to be flat in 2024, with continued claims inflation offsetting investment income growth and disciplined expense management efforts.
  • declined 9% or $7 million, driven by higher claims costs due to persistent inflation impacts, as well as the normalization of select ancillary products.
  • The impacts of inflation continue to be felt throughout the auto industry as indicated in the March Consumer Price Index where motor vehicle repair costs rose nearly 12% year-over-year and accelerated over the quarter.
Read full transcript analysis ›