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Assurant, Inc. — Intrinsic Value & Fair Price

AIZ
NYSEFinancial ServicesInsurance - Property & CasualtyCIK 0001267238assurant.comAbout AIZ
Last close · Oct 16, 2026283.31+1.44 (+0.51%)
Market cap$14.0B
Model value · P/B · justified
191.62
Assurant closed at $283.31 — overvalued by 48% vs model.
167.67the model's range223.56

P/B · justified leads for an insurer. From the justified price to book.

Other models
88.02 – 436.51
Wall St. target
329.00 14% below
Above model, 1y
20 of 20 days

Price and model value

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What the marks mean
Daily close

Valuation models

price $283.31 · as of Oct 17, 2026
P/B · justifiedused167.67 – 223.56191.6248% overvaluedP/E · peers78.96 – 116.5388.02222% overvaluedP/E · own history260.42 – 370.53291.183% undervaluedPEG—436.5135% undervaluedDividend discount73.94 – 196.01114.39148% overvaluedWall St. consensus target—329.0014% belowCost of capital (WACC)—7.92%—

P/B · justified leads for an insurer. How we value a stock walks through every input.

engine pkg:0.1.0

Dividends

Quarterly · as of Oct 16, 2026
Yield, trailing 12 months
1.24%
Past 2 years
low 1.14%high 1.69%
Dividends per share, a year at a time
$2.64Aug ’21$2.72Aug ’22$2.80Aug ’23$2.88Sep ’24$3.20Sep ’25$3.52TTM
Dividends / earnings, FY2025
19.3%
Raised
21+ years in a row
Growth, 5 yrs
5.9% a year
Last change
+10.0% · Dec 2025
Every payment, with ex-dates · latest $0.88, paid Sep 28, 2026

Research on AIZ

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How it is valued

Valued asInsurer
Low/slowing growth (~7% recent)Moderate margins (7% net margin)Pays dividendsHighly cyclical earningsStrong FCF yield (11.4%)
What growth the price implies: the reverse DCF

Key figures

FY2025 · chosen for insurers
Price / book
2.4×
Return on equity
14.9%
P/E
16.7×
Dividend yield, TTM
1.24%
Payout ratio
19.3%
Debt / equity
0.4
Full financials

Superinvestors

13F · Q2 2026
All 1 holders

Analyst actions

third-party, quoted
08-28BMO Capital · target320.00
08-19Morgan Stanley · target320.00
08-13UBS · target331.00
05-14Morgan Stanley · “Overweight” from “Equal Weight”upgrade
Ratings, targets and estimates

Recent

filings, insider trades and key news
53 filings · 40 insider transactions

Comparable companies

by business, not by industry label
HIGHartfordCINFCincinnati FinancialALLAllstateTRVTravelers CompaniesWRBW. R. Berkley

The weekly

One email a week across every stock we cover: 13F filings, insider trades, earnings and new research. It covers the whole market, not just AIZ. No account.

About Assurant

Assurant, Inc. operates globally, delivering essential lifestyle and housing solutions designed to secure, assist, and connect consumer acquisitions across diverse markets including North America, Latin America, Europe, and the Asia Pacific. The company's operations are divided into two main divisions: Global Lifestyle and Global Housing. The Global Lifestyle segment provides comprehensive mobile device support, extended warranty and maintenance programs for mobile devices, consumer electronics, and appliances, as well as vehicle protection plans and associated services, alongside credit protection and other insurance offerings. Conversely, the Global Housing segment focuses on various insurance products, encompassing lender-placed homeowners, manufactured home, and flood coverage. It also offers renters insurance and related benefits, in addition to optional manufactured housing and homeowners policies, and other specialized insurance products. Founded in 1892, the company was formerly known as Fortis, Inc. before officially changing its name to Assurant, Inc. in February 2004. Its corporate headquarters are situated in New York, New York.

CEO
Keith Warner Demmings
Headquarters
Atlanta, GA
Employees
14,800
IPO
2004-02-05
Full company profile

Model estimates for research reference only, not investment advice. Every model rests on assumptions that may not match what happens; the formulas are in how we value a stock.