---
title: Assurant (AIZ) — intrinsic value and fair price
canonical: https://sweetvaluelab.com/stocks/aiz
ticker: AIZ
as_of: 2026-10-17
sector: Financial Services
industry: Insurance - Property & Casualty
---
# Assurant (AIZ)

Assurant (AIZ) closed at $283.31 on Oct 16, 2026, overvalued by 48% vs its model value of $191.62 (from the justified price to book).

## Key figures

| Figure | Value |
| --- | ---: |
| Last close | $283.31 (Oct 16, 2026) |
| Model value (from the justified price to book) | $191.62 |
| Price vs model | overvalued by 48% vs model |
| Range of that model | $167.67 – $223.56 |
| Market value | $14.0B |
| P/E (fiscal 2025) | 16.7 |
| Net margin (fiscal 2025) | 6.8% |
| Free cash flow (fiscal 2025) | $1.6B |
| Dividend yield (trailing twelve months) | 1.24% |
| Beta | 0.53 |
| Cost of capital (WACC) | 7.92% |
| Business classification | Mature & Stable (Low/slowing growth (~7% recent), Moderate margins (7% net margin), Pays dividends, Highly cyclical earnings, Strong FCF yield (11.4%)) |

## Dividends

| Figure | Value |
| --- | ---: |
| Trailing dividend yield | 1.24% |
| Dividends per share, last 12 months | $3.52 |
| Dividends / earnings (fiscal 2025) | 19.3% |
| Raised | 21+ years in a row |
| Growth over 5 years | 5.9% a year |
| Latest payment | $0.88, ex-date Aug 31, 2026, paid Sep 28, 2026 |

| Year of payments | Dividends per share |
| --- | ---: |
| To Aug 27, 2021 | $2.64 |
| To Aug 26, 2022 | $2.72 |
| To Aug 25, 2023 | $2.80 |
| To Sep 3, 2024 | $2.88 |
| To Sep 2, 2025 | $3.20 |
| Trailing twelve months (to Aug 31, 2026) | $3.52 |

## Valuation models

Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Oct 17, 2026.

| Model | Role | Value per share | Low | High |
| --- | --- | ---: | ---: | ---: |
| P/B · justified | primary | $191.62 | $167.67 | $223.56 |
| P/E · peers | cross check | $88.02 | $78.96 | $116.53 |
| P/E · own history | cross check | $291.18 | $260.42 | $370.53 |
| PEG | sanity check | $436.51 | $436.51 | $436.51 |
| Dividend discount | cross check | $114.39 | $73.94 | $196.01 |

## Insider activity (SEC Form 4)

Past 90 days: 0 open-market buys ($0) and 1 open-market sale ($1.2M); 10b5-1 plan sales included.

| Date | Insider | Relationship | Transaction | Shares | Value |
| --- | --- | --- | --- | ---: | ---: |
| Oct 1, 2026 | DiRienzo Dimitry | SVP, CAO, Controller | Tax withholding | 219 | $58,306.6 |
| Oct 1, 2026 | Campbell Michael P. | EVP,  Chief Operating Officer | Tax withholding | 147 | $39,137.3 |
| Sep 15, 2026 | Demmings Keith | President & CEO | Bona fide gift | 3,500 | $0 |
| Aug 6, 2026 | Biju Nair | EVP, Pres, Global Conn Living | Open-market sell | 3,931 | $1.2M |
| Jun 22, 2026 | Lonergan Robert | EVP, CSTO | Open-market sell (10b5-1 plan) | 7,000 | $1.8M |

## Recent SEC filings

| Filed | Form | What | Filing |
| --- | --- | --- | --- |
| Aug 6, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/1267238/000126723826000041/aiz-20260630.htm |
| Aug 4, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1267238/000126723826000039/aiz-20260804.htm |
| May 22, 2026 | 8-K | 5.02 Departure/Election of Directors or Officers; 5.07 Submission of Matters to a Shareholder Vote; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1267238/000126723826000033/aiz-20260521.htm |
| May 22, 2026 | S-8 | Employee stock plan registration | https://www.sec.gov/Archives/edgar/data/1267238/000126723826000032/forms-8may2026.htm |
| May 7, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/1267238/000126723826000027/aiz-20260331.htm |

## Superinvestors holding it (latest 13F)

| Manager | Quarter | Shares | Value |
| --- | --- | ---: | ---: |
| Bridgewater | 2026-06-30 | 34,707 | $9.3M |

1 tracked managers in all.

## About

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 hom…

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Source: https://sweetvaluelab.com/stocks/aiz (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.