Assurant, Inc. (AIZN) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

Assurant, Inc. (AIZN) Financial Services Profile

Assurant, Inc. (AIZN) delivers lifestyle and housing solutions, focusing on mobile device and extended service products, alongside lender-placed insurance. With a $14.0B market cap and a 1.47% dividend yield, Assurant operates in the diversified insurance sector, competing with companies like Arch Capital Group Ltd. and Unum Group.

What Is the Investment Thesis for AIZN?

With a market capitalization of $14.0B and a P/E ratio of 13.22, the company demonstrates stable profitability, supported by a gross margin of 77.2%. Growth catalysts include expanding mobile device solutions and capitalizing on the increasing demand for lender-placed insurance. Key value drivers are the company's ability to maintain a consistent profit margin of 6.8% and its strategic focus on high-growth segments. Potential risks include regulatory changes in the insurance industry and increased competition from companies like Arch Capital Group Ltd. and Unum Group. The dividend yield of 1.47% provides an additional incentive for investors.

Based on FMP financials and quantitative analysis

AIZN Key Highlights

Market Cap of $14.0B indicates a substantial presence in the insurance market.

• P/E ratio of 13.22 suggests a reasonable valuation compared to earnings.
• Gross Margin of 77.2% reflects efficient operations and strong pricing power.
• Profit Margin of 6.8% demonstrates consistent profitability.
• Dividend Yield of 1.47% provides a steady income stream for investors.

Who Are AIZN's Competitors?

AIZN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.

What Are AIZN's Key Strengths?

Diversified revenue streams across multiple segments.

• Established market presence and brand recognition.
• Strong underwriting capabilities and risk management expertise.
• Strategic partnerships with key distribution channels.

What Are AIZN's Weaknesses?

Exposure to regulatory changes in the insurance industry.

• Dependence on economic conditions and consumer spending.
• Potential for increased competition from larger insurance companies.
• Complexity of managing multiple product lines and distribution channels.

What Could Drive AIZN Stock Higher?

Expansion of mobile device solutions and partnerships with mobile carriers.

• Increasing demand for lender-placed insurance due to regulatory requirements.
• Potential acquisitions to expand product offerings and geographic reach.
• Development of innovative insurance products for emerging markets.
• Enhancement of digital capabilities and customer experience.

What Are the Key Risks for AIZN?

Financial-distress signal — its Altman Z-Score of 1.35 sits in the distress zone (elevated bankruptcy risk).

• Insider selling — insiders were net sellers of roughly $13.2M recently.
• Economic downturns impacting consumer spending and insurance demand.
• Increased competition from established and emerging players.
• Regulatory changes and compliance costs.
• Cybersecurity risks and data breaches.
• Fluctuations in interest rates affecting profitability.

What Are the Growth Opportunities for AIZN?

• Expansion of Mobile Device Solutions: The increasing adoption of smartphones and other mobile devices presents a significant growth opportunity for Assurant. By expanding its mobile device solutions, including extended warranties and insurance products, Assurant can tap into a market projected to reach $1.4 trillion globally by 2027. This expansion can be achieved through strategic partnerships with mobile carriers and retailers, enhancing Assurant's distribution channels and market reach.
• Increased Demand for Lender-Placed Insurance: The lender-placed insurance market is expected to grow as regulatory requirements and risk management practices become more stringent. Assurant can capitalize on this trend by offering comprehensive lender-placed homeowners’ insurance, lender-placed manufactured housing insurance, and lender-placed flood insurance. This growth opportunity is driven by the increasing need for financial institutions to protect their assets and comply with regulatory mandates.
• Strategic Partnerships and Acquisitions: Assurant can pursue strategic partnerships and acquisitions to expand its product offerings and geographic reach. By partnering with complementary businesses, Assurant can enhance its service capabilities and enter new markets. Acquisitions can provide access to innovative technologies and customer bases, accelerating Assurant's growth and strengthening its competitive position. This strategy allows Assurant to diversify its revenue streams and reduce its reliance on specific market segments.
• Development of Innovative Insurance Products: Investing in the development of innovative insurance products tailored to emerging consumer needs can drive growth. This includes creating specialized insurance solutions for the sharing economy, such as coverage for rental properties and peer-to-peer lending platforms. By staying ahead of market trends and developing innovative products, Assurant can attract new customers and differentiate itself from competitors. This approach requires ongoing market research and collaboration with technology providers.
• Enhancement of Digital Capabilities: Enhancing digital capabilities and customer experience is crucial for driving growth in the insurance industry. Assurant can invest in digital platforms and mobile apps to streamline the customer journey and improve service delivery. This includes offering online claims processing, personalized insurance recommendations, and real-time customer support. By leveraging digital technologies, Assurant can enhance customer satisfaction, reduce operational costs, and gain a competitive advantage.

What Are AIZN's Competitive Advantages?

• Established relationships with key distribution partners.
• Diversified product offerings across multiple segments.
• Strong underwriting capabilities and risk management expertise.
• Long-standing history and brand reputation.

What Does AIZN Do?

Founded in 1892 and headquartered in Atlanta, GA, Assurant, Inc. specializes in providing lifestyle and housing solutions for consumer purchases. The company operates through three main segments: Global Lifestyle, Global Housing, and Corporate and Other. The Global Lifestyle segment offers a range of services, including mobile device solutions, extended service products for consumer electronics and appliances, and vehicle protection services. The Global Housing segment focuses on lender-placed homeowners’ insurance, lender-placed manufactured housing insurance, lender-placed flood insurance, renters' insurance, voluntary manufactured housing insurance, voluntary homeowners’ insurance, and other specialty products. The Corporate and Other segment covers corporate employee-related expenses and activities of the holding company. Assurant’s diversified offerings and long-standing history position it as a key player in the insurance and extended services market, serving a broad range of consumer and institutional clients. The company’s strategic focus on these segments allows it to capitalize on the growing demand for comprehensive protection and service solutions.

What Products and Services Does AIZN Offer?

• Provides mobile device solutions, including insurance and extended warranties.
• Offers extended service products for consumer electronics and appliances.
• Delivers vehicle protection services.
• Provides lender-placed homeowners’ insurance.
• Offers lender-placed manufactured housing insurance.
• Provides renters' insurance.
• Offers voluntary manufactured housing insurance and homeowners’ insurance.

How Does AIZN Make Money?

• Generates revenue through premiums from insurance products.
• Earns fees from extended service contracts and warranties.
• Partners with retailers and financial institutions to distribute products.
• Manages risk through underwriting and claims management.

What Industry Does AIZN Operate In?

Assurant, Inc. operates within the diversified insurance industry, which is characterized by increasing demand for specialized insurance products and services. The market is driven by factors such as rising consumer spending on electronics and appliances, as well as the need for lender-placed insurance in the housing market. Key competitors include Arch Capital Group Ltd., Unum Group, ageas SA/NV, and Old Republic International Corporation. The industry is also subject to regulatory changes and economic fluctuations, which can impact profitability and growth. Assurant's focus on niche markets like mobile device solutions and lender-placed insurance positions it to capitalize on specific growth opportunities within the broader insurance landscape.

Who Are AIZN's Key Customers?

• Consumers purchasing mobile devices, electronics, and appliances.
• Financial institutions requiring lender-placed insurance.
• Homeowners seeking voluntary insurance coverage.
• Vehicle owners needing protection services.

Company Profile

Assurant, Inc. operates in the Insurance - Property & Casualty industry within the Financial Services sector. It is headquartered in Atlanta, US. The company is led by CEO Keith Warner Demmings. AIZN has traded publicly since 2020.

How Assurant, Inc. Is Valued

Assurant, Inc. carries a market capitalization of $14.0B, placing it in the large-cap category. Relative to its peer group, AIZN's quantitative score of 72/100 is roughly in line with the peer average of 66/100.

Return on equity for Assurant, Inc. stands at 17.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.8%, showing how much profit it generates from its asset base. AIZN trades at a trailing price-to-earnings ratio of 13.22, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 11.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.14 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.1%, the inverse of the P/E and a quick read on earnings relative to price.

Assurant, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 1.35 places it in the distress zone, a signal of elevated financial risk.

Assurant, Inc. has beaten Wall Street's EPS estimate in 8 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 17.5% above estimates on average.

Wall Street analysts project Assurant, Inc. revenue of about $13.63B for fiscal 2026, with EPS near $20.67.

Over the past six months, Assurant, Inc. insiders filed 30 SEC Form 4 transactions — 14 sales and 16 purchases. On net that is roughly 13K shares disposed (about $13.2M), a signal worth weighing alongside the fundamentals.

AIZN Financials

AIZN Latest News

AIZN Analyst Consensus

AIZN MoonshotScore

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Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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