Assurant (AIZ)
Market Price (12/28/2025): $239.75 | Market Cap: $12.2 BilSector: Financials | Industry: Multi-line Insurance
Assurant (AIZ)
Market Price (12/28/2025): $239.75Market Cap: $12.2 BilSector: FinancialsIndustry: Multi-line Insurance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.2%, FCF Yield is 8.4% | Trading close to highsDist 52W High is -0.7%, Dist 3Y High is -0.7% | Key risksAIZ key risks include [1] significant earnings volatility from high catastrophe exposure in its Global Housing segment and [2] vulnerability to interest rate fluctuations due to its investment portfolio's heavy concentration in fixed maturity securities. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -17% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 10% | ||
| Low stock price volatilityVol 12M is 27% | ||
| Megatrend and thematic driversMegatrends include Consumer Product Protection & Lifecycle Management. Themes include Mobile Device Protection, Extended Warranty Services, and Embedded Insurance Solutions. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.2%, FCF Yield is 8.4% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -17% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 10% |
| Low stock price volatilityVol 12M is 27% |
| Megatrend and thematic driversMegatrends include Consumer Product Protection & Lifecycle Management. Themes include Mobile Device Protection, Extended Warranty Services, and Embedded Insurance Solutions. |
| Trading close to highsDist 52W High is -0.7%, Dist 3Y High is -0.7% |
| Key risksAIZ key risks include [1] significant earnings volatility from high catastrophe exposure in its Global Housing segment and [2] vulnerability to interest rate fluctuations due to its investment portfolio's heavy concentration in fixed maturity securities. |
Why The Stock Moved
Qualitative Assessment
AI Analysis | Feedback
Here are the key points for the movement of Assurant (AIZ) stock from approximately August 31, 2025, to December 28, 2025:
<b>1. Strong Third Quarter 2025 Financial Performance:</b> Assurant reported robust third-quarter 2025 results on November 4, 2025, significantly surpassing analysts' consensus estimates for both earnings per share (EPS) and revenue. The company reported an EPS of $5.73, beating estimates by $1.50, and quarterly revenue rose 8.9% year-over-year to $3.23 billion, exceeding consensus. GAAP net income increased 99 percent compared to the third quarter of 2024.
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<b>2. Raised Full-Year Outlook for 2025:</b> Following the strong Q3 2025 performance, Assurant increased its full-year outlook, reflecting confidence in continued profitable growth for the company. The company expected adjusted EBITDA to increase in the low double digits in 2024, led by strong growth in Global Housing and modest growth in Global Lifestyle.
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<b>3. Robust Shareholder Return Programs:</b> Assurant demonstrated a commitment to shareholder returns through significant capital deployment. On January 13, 2025, the company's Board of Directors authorized a new share repurchase program of up to $700 million and approved a 10% increase in the common stock dividend. In the third quarter of 2025, Assurant repurchased $81 million in shares and paid $41 million in dividends.
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<b>4. Positive Analyst Ratings and Price Targets:</b> Analysts maintained a generally positive outlook on Assurant, with a consensus "Buy" or "Strong Buy" rating from multiple firms in late 2025. Several analysts updated their price targets, with Piper Sandler setting a target of $264.00 on December 19, 2025, suggesting a potential upside for the stock.
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<b>5. Continued Growth in Key Business Segments:</b> The company reported strong performance across its core segments. Global Housing showed significant earnings growth, and the Global Lifestyle segment, particularly Connected Living, benefited from contributions from new financial services programs, global subscriber growth, and mobile trade-in performance in Q3 2025. This indicated sustained operational strength and strategic success.
Show moreStock Movement Drivers
Fundamental Drivers
The 11.8% change in AIZ stock from 9/27/2025 to 12/27/2025 was primarily driven by a 15.9% change in the company's Net Income Margin (%).| 9272025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 214.79 | 240.13 | 11.80% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 12304.90 | 12568.70 | 2.14% |
| Net Income Margin (%) | 5.83% | 6.75% | 15.90% |
| P/E Multiple | 15.32 | 14.38 | -6.12% |
| Shares Outstanding (Mil) | 51.14 | 50.83 | 0.59% |
| Cumulative Contribution | 11.79% |
Market Drivers
9/27/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| AIZ | 11.8% | |
| Market (SPY) | 4.3% | 6.2% |
| Sector (XLF) | 3.3% | 44.4% |
Fundamental Drivers
The 22.9% change in AIZ stock from 6/28/2025 to 12/27/2025 was primarily driven by a 21.6% change in the company's Net Income Margin (%).| 6282025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 195.35 | 240.13 | 22.92% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 12071.40 | 12568.70 | 4.12% |
| Net Income Margin (%) | 5.55% | 6.75% | 21.60% |
| P/E Multiple | 14.94 | 14.38 | -3.77% |
| Shares Outstanding (Mil) | 51.28 | 50.83 | 0.88% |
| Cumulative Contribution | 22.91% |
Market Drivers
6/28/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| AIZ | 22.9% | |
| Market (SPY) | 12.6% | 16.2% |
| Sector (XLF) | 7.4% | 42.7% |
Fundamental Drivers
The 13.4% change in AIZ stock from 12/27/2024 to 12/27/2025 was primarily driven by a 7.1% change in the company's Net Income Margin (%).| 12272024 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 211.80 | 240.13 | 13.38% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 11755.80 | 12568.70 | 6.91% |
| Net Income Margin (%) | 6.31% | 6.75% | 7.08% |
| P/E Multiple | 14.91 | 14.38 | -3.57% |
| Shares Outstanding (Mil) | 52.20 | 50.83 | 2.63% |
| Cumulative Contribution | 13.30% |
Market Drivers
12/27/2024 to 12/27/2025| Return | Correlation | |
|---|---|---|
| AIZ | 13.4% | |
| Market (SPY) | 17.0% | 48.2% |
| Sector (XLF) | 15.3% | 63.3% |
Fundamental Drivers
The 103.9% change in AIZ stock from 12/28/2022 to 12/27/2025 was primarily driven by a 107.4% change in the company's Net Income Margin (%).| 12282022 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 117.75 | 240.13 | 103.93% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 10115.30 | 12568.70 | 24.25% |
| Net Income Margin (%) | 3.26% | 6.75% | 107.38% |
| P/E Multiple | 19.20 | 14.38 | -25.11% |
| Shares Outstanding (Mil) | 53.72 | 50.83 | 5.37% |
| Cumulative Contribution | 103.34% |
Market Drivers
12/28/2023 to 12/27/2025| Return | Correlation | |
|---|---|---|
| AIZ | 47.4% | |
| Market (SPY) | 48.0% | 44.3% |
| Sector (XLF) | 51.3% | 63.3% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| AIZ Return | 6% | 16% | -18% | 38% | 29% | 15% | 105% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| AIZ Win Rate | 58% | 58% | 33% | 75% | 50% | 58% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| AIZ Max Drawdown | -38% | -10% | -22% | -16% | -3% | -15% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL. See AIZ Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | AIZ | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -45.7% | -25.4% |
| % Gain to Breakeven | 84.1% | 34.1% |
| Time to Breakeven | 529 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -43.6% | -33.9% |
| % Gain to Breakeven | 77.2% | 51.3% |
| Time to Breakeven | 307 days | 148 days |
| 2018 Correction | ||
| % Loss | -25.1% | -19.8% |
| % Gain to Breakeven | 33.5% | 24.7% |
| Time to Breakeven | 196 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -81.8% | -56.8% |
| % Gain to Breakeven | 450.4% | 131.3% |
| Time to Breakeven | 2,426 days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
Assurant's stock fell -45.7% during the 2022 Inflation Shock from a high on 4/20/2022. A -45.7% loss requires a 84.1% gain to breakeven.
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AI Analysis | Feedback
1. Assurant is like Aflac for your stuff, providing specialized protection plans for mobile devices, appliances, and cars, rather than health.
2. Assurant is like the Visa/Mastercard for product protection plans, enabling retailers, phone carriers, and lenders to offer various protection and extended warranty services to their customers.
AI Analysis | Feedback
- Mobile Device Protection: Provides extended warranties, repair, and replacement services for smartphones and other connected consumer electronic devices.
- Vehicle Protection Services: Offers vehicle service contracts, guaranteed asset protection (GAP) insurance, and other ancillary products for automobiles and recreational vehicles.
- Lender-Placed Insurance (LPI): Provides insurance coverage to mortgage lenders when homeowners fail to maintain adequate property insurance on their collateral.
- Specialty Housing Insurance: Offers property and casualty insurance products tailored for manufactured homes, flood risks, and renters.
AI Analysis | Feedback
Assurant (symbol: AIZ) primarily sells its risk management solutions and protection products to other businesses (B2B model), which then offer these solutions to their end-customers (a B2B2C model).
Assurant's public filings, such as its annual 10-K report, do not identify any single customer that accounts for 10% or more of its consolidated net earned premiums, fees, and other income. This indicates a diversified customer base among its large enterprise partners.
Therefore, instead of listing specific individual "major customers" by name (as none are disclosed for significant revenue concentration), we will describe the major categories of businesses that partner with Assurant, providing examples of public companies that operate within these categories.
Major Customer Categories (Business Partners)
1. Mobile Network Operators (MNOs) and Major Retailers
Assurant partners with leading mobile carriers and large electronics retailers globally to provide device protection plans, extended warranties, and trade-in programs for smartphones, tablets, and other connected devices.
Examples of Public Companies in this Category:
- Verizon Communications Inc. (VZ)
- AT&T Inc. (T)
- T-Mobile US, Inc. (TMUS)
- Best Buy Co., Inc. (BBY)
- Various other global mobile operators and retailers.
2. Financial Institutions (Mortgage Servicers and Lenders)
Assurant collaborates with banks, credit unions, and other lending institutions to offer lender-placed insurance (also known as force-placed insurance), flood insurance, and various mortgage solutions to protect their collateral and manage risks.
Examples of Public Companies in this Category:
- Wells Fargo & Company (WFC)
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- Various other mortgage servicers and financial lenders.
3. Automotive Dealerships and Manufacturers
Assurant partners with automotive dealerships and manufacturers to provide vehicle service contracts (extended warranties), guaranteed asset protection (GAP), and other ancillary products to enhance the ownership experience and protect vehicle investments.
Examples of Public Companies in this Category:
- AutoNation, Inc. (AN)
- Penske Automotive Group, Inc. (PAG)
- Lithia Motors, Inc. (LAD)
- Various other large dealership groups and global automotive manufacturers.
Assurant's strategy focuses on building long-term, integrated partnerships with these large enterprises to distribute its specialized protection products and services to their end-consumers.
AI Analysis | Feedback
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AI Analysis | Feedback
Here is the management team of Assurant (AIZ):Keith W. Demmings, President, Chief Executive Officer, and Director
Keith W. Demmings was appointed President and CEO of Assurant in January 2022, and he also serves as a director on the company's board. He joined Assurant in 1997 and has held various leadership positions, including President of Global Lifestyle and President of International, and President of Canadian business in 2005. In his role as President and CEO, Mr. Demmings is responsible for leading Assurant's global businesses, which encompass its Global Lifestyle and Global Housing operating segments.
Keith Meier, Executive Vice President and Chief Financial Officer
Keith Meier became Executive Vice President and Chief Financial Officer of Assurant in November 2023. Prior to this appointment, he served as the company's Chief Operating Officer. Mr. Meier's tenure at Assurant also includes serving as Executive Vice President and President of International Business from June 2016 to January 2022, and as Senior Vice President of Global Strategy and Mergers & Acquisitions between 2013 and 2016.
Michael P. Campbell, Executive Vice President, Chief Operating Officer
Michael P. Campbell was named Executive Vice President, Chief Operating Officer in August 2025, taking charge of Global Operations and Information Technology for Assurant. He joined Assurant in 2006 and has held several senior leadership roles, most recently serving as President, Global Housing since 2019, where he led the expansion and growth of that business.
Francesca Luthi, Executive Vice President, Chief Administrative Officer
Francesca Luthi serves as Executive Vice President and Chief Administrative Officer at Assurant. She previously held the titles of Executive Vice President, Chief Communication and Marketing Officer, as well as Senior Vice President of Investor Relations and Communication at Assurant. Prior to her time at Assurant, Ms. Luthi held various senior-level investor relations and communication positions at BearingPoint and Accenture.
Jay Rosenblum, Executive Vice President, Chief Legal Officer
Jay Rosenblum is the Executive Vice President and Chief Legal Officer at Assurant. In this role, he is responsible for overseeing the company's legal affairs.
AI Analysis | Feedback
The key risks to Assurant (AIZ) primarily revolve around its exposure to natural catastrophes, a dynamic regulatory and competitive landscape, and market fluctuations impacting its investment portfolio.
- Exposure to Catastrophe Losses: Assurant's Global Housing segment, which includes property insurance, is highly susceptible to losses from natural disasters. The company's earnings are sensitive to catastrophe events, and while management often reports results excluding these impacts ("ex-cat"), this approach may understate the true volatility and risk associated with increasing catastrophe exposures. For instance, reportable catastrophe losses from events like California wildfires are projected to approach or exceed the company's reinsurance retention threshold.
- Regulatory and Competitive Pressures: Assurant operates within heavily regulated insurance and financial services sectors across various global jurisdictions. Changes in these regulations can pose significant operational and financial challenges. Furthermore, the company faces intense competition from both traditional insurance providers and emerging tech-driven startups, which could impact its market share, pricing power, and overall profitability.
- Market Risk in Investment Portfolio: A substantial portion of Assurant's profitability relies on returns from its investment portfolio. This portfolio is subject to market risks, including fluctuations in interest rates. Changes in interest rates can materially and adversely affect the fair value and investment income generated from fixed maturity securities, which represented approximately 84% of Assurant's total investments as of December 31, 2024, thereby impacting its capital and financial performance.
AI Analysis | Feedback
The "Right to Repair" movement and related legislative changes pose a clear emerging threat to Assurant, particularly its Global Lifestyle segment which includes mobile device protection plans and extended service contracts for electronics and appliances.
This movement, gaining significant traction with new laws passed or under consideration in multiple U.S. states (e.g., New York, California, Colorado) and in the European Union, aims to make it easier and cheaper for consumers and independent shops to repair electronic devices and other goods. Should these efforts lead to a substantial increase in product repairability, lower repair costs, and broader access to parts and repair information, it could significantly diminish the perceived value and necessity of Assurant's extended warranty and protection plan offerings. Consumers might increasingly opt for self-repair or independent repair, bypassing manufacturer- or carrier-backed programs administered by Assurant, thus eroding a key revenue stream.
AI Analysis | Feedback
Assurant (AIZ) operates primarily in two main segments: Global Housing and Global Lifestyle, which includes Connected Living and Global Automotive. The addressable markets for their main products and services are as follows:
- Renters Insurance: The global renters insurance market was valued at $74 billion in 2024 and is estimated to reach $158.1 billion by 2034, exhibiting a compound annual growth rate (CAGR) of 7.6% from 2025 to 2034. North America held the largest market share in 2024. The U.S. renters insurance market is a growing market, with over 44 million U.S. renters.
- Extended Warranty: The global extended warranty market is expected to reach $159.38 billion in 2025 and is projected to grow to $240.78 billion by 2030, with a CAGR of 8.60%. North America led this market with a 37.5% share in 2024, and accounts for approximately 45% of the global share.
- Mobile Device Protection: The global Mobile Phone Insurance (MPI) Market size was valued at $38.69 billion in 2023 and is predicted to reach $76.36 billion by 2030, with a CAGR of 12.0% from 2024 to 2030. The U.S. market for mobile phone insurance was valued at $9.60 billion in 2024 and is anticipated to reach approximately $28.5 billion by 2034, expanding at a CAGR of 11.8% from 2025 to 2034. North America accounted for 34.6% of the global market share.
- Vehicle Protection Services (including Guaranteed Auto Protection - GAP): The global vehicle protection service market is estimated to be valued at $146.31 billion in 2025 and is expected to reach $292.46 billion by 2032, growing at a CAGR of 10.4% from 2025 to 2032. More specifically, the global Guaranteed Auto Protection (GAP) Insurance Market is projected to grow from $7.79 billion in 2024 to $13.40 billion by 2035, with a CAGR of 5.09% from 2025 to 2035. North America dominated the GAP insurance market in 2023, accounting for over 34% of the share.
AI Analysis | Feedback
Assurant (AIZ) is expected to drive future revenue growth over the next 2-3 years through several key strategies across its business segments. These anticipated drivers are supported by recent earnings reports, investor presentations, and analyst insights: * Growth in Connected Living: Assurant anticipates continued revenue expansion within its Connected Living segment, primarily fueled by new partnerships and a rise in subscriber additions. Recent examples include a multiyear agreement with a significant U.S. mobile carrier to manage a new logistics facility for mobile devices and a collaboration with Best Buy for the administration and underwriting of Geek Squad protection plans. This strategy involves both customer growth and the expansion of existing services. * Expansion in Global Automotive: The company foresees sustained growth in its Global Automotive business. This is expected to be driven by strengthening and expanding existing partnerships, such as with Holman Automotive, and a strategic focus on entering attractive adjacent sectors within the automotive market. This represents both customer acquisition and market expansion. * Strong Performance and Policy Growth in Global Housing: Assurant projects ongoing robust performance in its Global Housing segment, particularly within its lender-placed and renters insurance businesses. This growth is linked to significant policy increases, higher placement rates, and the renewal of multiyear agreements with major property management companies (PMCs) in the renters insurance space. This indicates growth in customer base and potentially favorable pricing. * Strategic Partnerships and Client Acquisitions: A fundamental driver across Assurant's segments is the continuous securing of new strategic partnerships and client wins. These collaborations are crucial for expanding its market footprint and customer base. Examples include the aforementioned mobile carrier and Best Buy partnerships, as well as broader B2B2C deals that generate recurring fee income. * Innovation and Product Differentiation: Assurant is committed to an intense focus on innovation and product differentiation, supported by ongoing investments in technology, including artificial intelligence (AI) and automation. This focus on innovation is expected to lead to the launch of new products and services and enhance the competitiveness and attractiveness of its offerings, contributing to organic growth.AI Analysis | Feedback
Share Repurchases
- Assurant anticipates repurchasing $300 million in shares for 2025.
- In the third quarter of 2025, Assurant completed $81 million in share repurchases, with an additional $27 million between October 1 and October 31, 2025.
- As of March 31, 2025, $312.1 million remained under the total share repurchase authorization.
- In January 2021, the board authorized a new share buyback program of up to $600 million, following the completion of a prior authorization that had $186 million remaining as of December 31, 2020.
Share Issuance
- No significant share issuances for capital raising purposes were reported over the last 3-5 years.
Outbound Investments
- In October 2025, Assurant acquired OptoFidelity's mobile device test automation technology to enhance automation capabilities in its Device Care Centers.
- During the second quarter of 2025, Assurant made strategic acquisitions of u Solutions in Japan and Justato in Brazil to expand its repair capabilities.
- In 2021, the company received approximately $900 million from the sale of its Global Preneed business, which contributes to capital reallocation.
Capital Expenditures
- Assurant focuses its investments on technology, including digital and AI capabilities, across its insurance segments.
- For 2025, approximately $15 million is allocated to strategic investments specifically tied to launching high-impact programs and client initiatives.
- In October 2024, an Innovation and Device Care Center was opened to support mobile device lifecycle solutions and leverage automation, robotics, and AI.
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| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
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Peer Comparisons for Assurant
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 159.14 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 6.4% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 9.0% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 15.3% |
| CFO/Rev 3Y Avg | 17.1% |
| FCF/Rev LTM | 13.1% |
| FCF/Rev 3Y Avg | 14.0% |
Price Behavior
| Market Price | $240.13 | |
| Market Cap ($ Bil) | 12.2 | |
| First Trading Date | 02/05/2004 | |
| Distance from 52W High | -0.7% | |
| 50 Days | 200 Days | |
| DMA Price | $222.84 | $206.00 |
| DMA Trend | up | up |
| Distance from DMA | 7.8% | 16.6% |
| 3M | 1YR | |
| Volatility | 18.8% | 26.8% |
| Downside Capture | -9.51 | 53.00 |
| Upside Capture | 46.01 | 57.00 |
| Correlation (SPY) | 5.9% | 48.4% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.09 | 0.12 | 0.14 | 0.47 | 0.68 | 0.63 |
| Up Beta | -0.44 | -0.11 | 0.09 | 0.70 | 0.78 | 0.77 |
| Down Beta | -0.00 | 0.12 | 0.10 | -0.10 | 0.68 | 0.59 |
| Up Capture | 83% | 35% | 28% | 63% | 44% | 31% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 12 | 27 | 38 | 71 | 132 | 415 |
| Down Capture | -13% | 4% | 6% | 62% | 73% | 76% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 7 | 14 | 24 | 54 | 116 | 334 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of AIZ With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| AIZ | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 14.9% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 26.7% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.49 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 63.5% | 48.4% | 2.8% | 12.1% | 52.8% | 6.3% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of AIZ With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| AIZ | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 14.6% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 24.9% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.54 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 54.6% | 42.0% | 0.7% | 8.7% | 39.6% | 11.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of AIZ With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| AIZ | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 13.7% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 27.2% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.51 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 62.5% | 53.1% | -2.1% | 18.6% | 49.1% | 10.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 11/4/2025 | 1.7% | 5.1% | 4.3% |
| 8/5/2025 | 11.2% | 10.9% | 15.1% |
| 5/6/2025 | -0.4% | 2.3% | 1.8% |
| 1/23/2025 | 1.7% | 5.4% | -1.9% |
| 10/16/2024 | 0.7% | -1.6% | 9.5% |
| 8/6/2024 | 0.0% | 8.3% | 14.9% |
| 5/7/2024 | -1.1% | -0.7% | -3.4% |
| 2/6/2024 | 3.8% | 1.4% | 5.9% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 15 | 13 | 16 |
| # Negative | 9 | 11 | 8 |
| Median Positive | 2.1% | 5.4% | 8.9% |
| Median Negative | -3.2% | -1.6% | -6.1% |
| Max Positive | 14.1% | 16.6% | 16.3% |
| Max Negative | -10.5% | -11.8% | -30.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11062025 | 10-Q 9/30/2025 |
| 6302025 | 8072025 | 10-Q 6/30/2025 |
| 3312025 | 5082025 | 10-Q 3/31/2025 |
| 12312024 | 2202025 | 10-K 12/31/2024 |
| 9302024 | 11072024 | 10-Q 9/30/2024 |
| 6302024 | 8082024 | 10-Q 6/30/2024 |
| 3312024 | 5092024 | 10-Q 3/31/2024 |
| 12312023 | 2152024 | 10-K 12/31/2023 |
| 9302023 | 11022023 | 10-Q 9/30/2023 |
| 6302023 | 8032023 | 10-Q 6/30/2023 |
| 3312023 | 5042023 | 10-Q 3/31/2023 |
| 12312022 | 2172023 | 10-K 12/31/2022 |
| 9302022 | 11032022 | 10-Q 9/30/2022 |
| 6302022 | 8042022 | 10-Q 6/30/2022 |
| 3312022 | 5052022 | 10-Q 3/31/2022 |
| 12312021 | 2222022 | 10-K 12/31/2021 |
Insider Activity
Expand for More| Owner | Title | Filing Date | Action | Price | Shares | TransactedValue | Value ofHeld Shares | Form | |
|---|---|---|---|---|---|---|---|---|---|
| 0 | Demmings Keith | President and CEO | 9022025 | Sell | 220.27 | 4,275 | 941,671 | 21,668,843 | Form |
| 1 | Rosenblum Jay | EVP and CLO | 8132025 | Sell | 208.53 | 3,900 | 813,256 | 1,642,152 | Form |
| 2 | DiRienzo Dimitry | SVP, CAO, Controller | 8122025 | Sell | 204.96 | 950 | 194,707 | 642,534 | Form |
| 3 | Rosenblum Jay | EVP and CLO | 5192025 | Sell | 201.93 | 1,000 | 201,926 | 2,377,683 | Form |
| 4 | DiRienzo Dimitry | SVP, CAO, Controller | 3242025 | Sell | 213.03 | 1,650 | 351,507 | 870,247 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Multi-line Insurance Resources |
| Insurance Business America |
| A.M. Best |
| National Underwriter |
| Insurance News |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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