AIZ
NYSE · USDAssurant, Inc.
Financial Services · Insurance - Property & Casualty
CEO Keith Warner Demmings
Employees 14,800
R&D / revenue 0.0%
Last price
$283.31+0.51%last session
Market cap
$14.0B
P/E (TTM)
13.3x
From 52w high
−6.8%
From 52w low
+37.5%
1-year return
+37.0%
RSI 14 · vs SMA200
61.6 · +12.5%
IS score
58.6/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)
One year, rebased to 100
AIZ SPY XLF (sector ETF) · weekly closesScore DNA
Each bar is a 0-100 score within the scored universe51Profitability
65Growth
72Value
91Momentum
100Risk (safety)
78Quality
75Balance sheet
70Earnings quality
Flags
Strengths
✓ Net cash
Warnings
None of the computed warning flags fires for AIZ (Altman, Beneish, accruals, FCF, dilution).
Observations
Moat model: Weak, Intangible AssetsPiotroski 7 / 9Beta 0.542 of 4 smart-money sources active
Smart-money strip
Each disclosure source on its own window. Filings coinciding is not coordination.INSForm 4 · 180 days
Insider open-market buys
0
5 open-market sales, $10.4M
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
0
No disclosed purchases
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+33
103 new holders, 66 closed
618 filers hold 99.1% · 225 added, 201 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+104
542 funds adding shares
438 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
80.6%
20-day avg 65.9%, 50-day avg 64.1%
Latest 14.7 pp over its 20-day average · a flow, not short interest
Key financials · FY2025
USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.Income statement
Revenue$12.8B
Revenue growth YoY+7.9%
Gross margin77.2%
Operating income$1.1B
Operating margin8.5%
Net income$872.7M
Net margin6.8%
EPS (diluted)$17.39
Cash flow
Operating cash flow$1.8B
Capital expenditure$235.5M
Free cash flow$1.6B
FCF conversion (FCF / OCF)87.2%
Stock-based compensation$0
FCF less SBC$1.6B
Buybacks$303.7M
Dividends$168.4M
Balance sheet & returns
Cash & short-term investments$4.6B
Total debt$2.2B
Net cash$2.3B
Shareholders' equity$5.9B
Goodwill & intangibles$13.4B
Debt / equity0.36
ROE (TTM)18.0%
ROIC (TTM)8.9%
Operating margin by fiscal year
Revenue $10.2B (FY2021) to $12.8B (FY2025), a 5.9% CAGR.
Valuation
P/E (TTM)13.3x
EV / EBITDA8.5x
Price / sales1.04x
Price / FCF8.4x
FCF yield11.85%
Buyback yield2.17%
SBC / revenue0.7%
Price / book2.30x
Forward P/E FY202612.6x
Forward P/E FY202712.1x
Forward P/E FY202811.4x
Forward multiples divide today's price by Street EPS estimates. Street mean target $331.00 across 5 analysts last quarter is theirs, not ours.
AIZ vs industry median
95 companies in Insurance - Property & Casualty
AIZ (TTM)Industry median
Asset turnover 0.37 vs industry 0.34 · financial leverage 5.92
Earnings delivery
Next report 2026-11-03 · consensus EPS $4.75100%
beat rate, 12 of 12 quarters
+23.4%
median EPS surprise
12
longest beat streak
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-10-31 to 2026-08-04. Bars cap at ±60%.
Peers
Market-cap band, not the industry cohort above| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | 12m return |
|---|---|---|---|---|---|---|
| AIZ Assurant, Inc. | $14.0B | 13.3x | 18.0% | 7.9% | +7.9% | +37.0% |
| CNA CNA Financial Corporation | $13.0B | 10.5x | 12.3% | 8.4% | +4.5% | +7.3% |
| RE Everest Re Group, Ltd. | $15.3B | 8.0x | 12.6% | 14.1% | −5.1% | — |
| AFG American Financial Group, In | $12.4B | 13.0x | 20.4% | 12.4% | −1.1% | +19.7% |
| ERIE Erie Indemnity Company | $11.3B | 19.7x | 24.8% | 16.5% | +9.7% | −20.0% |
| ORI Old Republic International C | $9.6B | 8.5x | 18.6% | 12.9% | +11.6% | +5.7% |
| L Loews Corporation | $22.6B | 13.5x | 10.5% | 9.4% | +4.3% | — |
| MKL Markel Corporation | $22.9B | 10.1x | 12.6% | 22.5% | +6.7% | — |
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.
Recent 8-K filings
No 8-K filings on file.
Context
Shares outstanding49,323,800
Free float99.3%
Institutional ownership99.1%
Beta0.54
Dividend yield1.24%
Last dividend$0.88 on 2026-08-31
50 / 200-day average$278.18 / $251.88
Large-cap Financial Services median P/E14.0x
Full factsheet
The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).
Read it in the browser Download (PDF)All fundamentals · 140 measures in 13 categories
Percentile = where AIZ sits among 53 scored companies in Insurance - Property & Casualty (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)
Valuation
| Measure | AIZ | Industry percentile |
|---|---|---|
| P/E (TTM) | 13.1x | 76th |
| PEG (P/E ÷ 3-yr EPS CAGR) | 0.27 | 30th |
| Price / sales | 1.0x | 42nd |
| Price / book | 2.3x | 70th |
| Price / tangible book | 4.5x | 86th |
| Price / free cash flow | n/a | |
| Price / operating cash flow | n/a | |
| Enterprise value | n/a | |
| EV / sales | n/a | |
| EV / EBITDA | n/a | |
| EV / EBIT | n/a | |
| EV / free cash flow | n/a | |
| Earnings yield | 7.6% | 35th |
| FCF yield | n/a | |
| Operating cash flow yield | n/a | |
| Graham number (per share) | $242.41 | 89th |
Profitability (TTM)
| Measure | AIZ | Industry percentile |
|---|---|---|
| Gross margin | n/a | |
| EBITDA margin | n/a | |
| Operating margin | 9.9% | 27th |
| EBIT margin | 10.7% | 27th |
| Net margin | 7.9% | 31st |
| NOPAT margin | 7.9% | 29th |
| FCF margin | n/a | |
| Operating cash flow margin | n/a | |
| R&D / revenue | 0.0% | 0th |
| SG&A / revenue | 0.0% | 0th |
| Stock comp / revenue | 0.7% | 68th |
| Effective tax rate | 19.9% | 22nd |
Returns on capital
| Measure | AIZ | Industry percentile |
|---|---|---|
| ROE (on average equity) | 18.3% | 48th |
| ROA | 3.0% | 35th |
| ROIC | n/a | |
| ROCE | n/a | |
| Return on tangible assets | 4.0% | 31st |
| Cash ROIC (OCF / invested capital) | n/a | |
| Gross profitability (GP / assets) | n/a | |
| ROIC, 3-yr average | n/a | |
| ROIC, 5-yr average | n/a | |
| ROE, 5-yr average | 16.2% | 70th |
| Incremental ROIC | n/a |
Growth
| Measure | AIZ | Industry percentile |
|---|---|---|
| Revenue growth (TTM YoY) | 9.4% | 54th |
| Revenue growth (QoQ) | 1.0% | 10th |
| Revenue CAGR, 3 yr | 8.4% | 49th |
| Revenue CAGR, 5 yr | 6.3% | 44th |
| Gross profit CAGR, 3 yr | n/a | |
| Operating income CAGR, 3 yr | 42.7% | 71st |
| Net income growth (TTM YoY) | 48.3% | 67th |
| Net income CAGR, 3 yr | 45.5% | 72nd |
| EPS growth (TTM YoY) | 53.5% | 70th |
| EPS CAGR, 3 yr | 49.3% | 72nd |
| EPS CAGR, 5 yr | 22.3% | 85th |
| FCF growth (TTM YoY) | n/a | |
| FCF CAGR, 3 yr | n/a | |
| Operating cash flow CAGR, 3 yr | n/a | |
| Book value CAGR, 3 yr | 13.7% | 58th |
| Dividend CAGR, 3 yr | 5.6% | 72nd |
| Sustainable growth rate | 15.3% | 64th |
Margin history & stability
| Measure | AIZ | Industry percentile |
|---|---|---|
| Gross margin, 3-yr average | n/a | |
| Operating margin, 3-yr average | 8.5% | 33rd |
| Net margin, 3-yr average | 6.9% | 33rd |
| FCF margin, 3-yr average | n/a | |
| Revenue stability (0-1) | 0.95 | 54th |
| Earnings stability (0-1) | 0.10 | 17th |
| Margin stability (0-1) | 0.75 | 54th |
Liquidity (latest quarter)
| Measure | AIZ | Industry percentile |
|---|---|---|
| Cash & short-term investments | n/a | |
| Net cash (− = net debt) | n/a | |
| Working capital | n/a | |
| Current ratio | n/a | |
| Quick ratio | n/a | |
| Cash ratio (cash + ST investments / current liabilities) | n/a | |
| Defensive interval (days) | n/a |
Leverage & solvency (latest quarter)
| Measure | AIZ | Industry percentile |
|---|---|---|
| Total debt | n/a | |
| Debt / equity | n/a | |
| Net debt / equity | n/a | |
| Debt / assets | n/a | |
| Debt / capital | n/a | |
| Debt / EBITDA | n/a | |
| Net debt / EBITDA | n/a | |
| Interest coverage (EBIT / interest) | n/a | |
| Cash interest coverage | n/a | |
| Debt payback (years of OCF) | n/a | |
| Liabilities / assets | 83.1% | 77th |
| IS credit model rating | AA- | |
| Implied credit spread (bps) | 100 | 58th |
Efficiency
| Measure | AIZ | Industry percentile |
|---|---|---|
| Asset turnover | n/a | |
| Fixed asset turnover | n/a | |
| Inventory turnover | n/a | |
| Receivables turnover | n/a | |
| Days sales outstanding | n/a | |
| Days inventory outstanding | n/a | |
| Days payables outstanding | n/a | |
| Cash conversion cycle (days) | n/a | |
| Capex / revenue | n/a | |
| Capex / depreciation | n/a | |
| Operating expense ratio | n/a |
Cash flow & earnings quality
| Measure | AIZ | Industry percentile |
|---|---|---|
| Operating cash flow / net income | n/a | |
| FCF / net income | n/a | |
| FCF / operating cash flow | n/a | |
| Capex / operating cash flow | n/a | |
| Accruals ratio | n/a | |
| Sloan accruals ratio | n/a | |
| Earnings quality score (0-1) | n/a |
Scores & forensic checks
| Measure | AIZ | Industry percentile |
|---|---|---|
| IS score | 59 | 48th |
| IS profitability | 51 | 48th |
| IS growth | 65 | 62nd |
| IS value | 72 | 40th |
| IS momentum | 91 | 74th |
| IS risk (safety) | 100 | 19th |
| IS quality | 78 | 54th |
| IS balance sheet | 75 | 62nd |
| IS earnings quality | 70 | 54th |
| IS cash flow | 77 | 56th |
| Piotroski F-score (0-9) | 7 | 52nd |
| Altman Z-score | — | |
| Beneish M-score | — | |
| Ohlson O-score | −6.69 | 43rd |
| IS credit score | 85 | 35th |
Size (TTM)
| Measure | AIZ | Industry percentile |
|---|---|---|
| Market cap | $14.0B | 85th |
| Revenue | $13.5B | 81st |
| EBITDA | $1.7B | 81st |
| Net income | $1.1B | 79th |
| Free cash flow | n/a | |
| Total assets | $36.1B | 81st |
| Shareholders' equity | $6.1B | 81st |
| Employees | 14,800 | 90th |
Insider transactions, last 6 months
Form 4 · most recent 12| Date | Insider | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|
| 2026-10-01 | Dirienzo Dimitry SVP, CAO, Controller |
Tax withholding | 219 | $266.24 | $58,307 | 2,522 |
| 2026-10-01 | Campbell Michael P. EVP, Chief Operating Officer |
Tax withholding | 147 | $266.24 | $39,137 | 27,296 |
| 2026-09-15 | Demmings Keith Director, President & CEO |
Gift | 3,500 | — | — | 133,170 |
| 2026-08-06 | Biju Nair EVP, Pres, Global Conn Living |
Open-market sale | 3,931 | $302.46 | $1.2M | 24,247 |
| 2026-06-22 | Lonergan Robert EVP, CSTO |
Open-market sale | 7,000 | $262.71 | $1.8M | 27,374 |
| 2026-05-26 | Dirienzo Dimitry SVP, CAO, Controller |
Open-market sale | 2,000 | $255.68 | $511,356 | 2,741 |
| 2026-05-22 | Basu Rajiv Director |
Award / grant | 668 | — | — | 3,731 |
| 2026-05-22 | Blake Lynn S. Director |
Award / grant | 668 | — | — | 668 |
| 2026-05-22 | Carter J Braxton Ii Director |
Award / grant | 668 | — | — | 8,961 |
| 2026-05-22 | Edelman Harriet Director |
Award / grant | 668 | — | — | 11,114 |
| 2026-05-22 | Granat Sari Beth Director |
Award / grant | 668 | — | — | 4,624 |
| 2026-05-22 | Redzic Ognjen Director |
Award / grant | 668 | — | — | 8,136 |
Shares acquired vs disposed, by month
acquired disposed · all Form 4 typesBy transaction type, 6 months
| Type | Direction | Filings | Shares | Value |
|---|---|---|---|---|
| Award / grant | Acquired | 9 | 6,012 | — |
| Gift | Disposed | 1 | 3,500 | — |
| Open-market sale | Disposed | 5 | 39,931 | $10.4M |
| Tax withholding | Disposed | 2 | 366 | $97,444 |
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.
Form 144 notices
| Filed | Filer | Shares proposed | Est. proceeds |
|---|---|---|---|
| None on file. | |||
A Form 144 is notice of a proposed sale, not a confirmed one.
Congress trades
12 months: House 2 trades (0 purchases) · Senate 0 (0 purchases)| Traded | Member | Chamber | Type | Amount | Disclosed |
|---|---|---|---|---|---|
| 2026-09-04 | Ro Khanna | House | Sale | $1,001 - $15,000 | 2026-10-09 |
| 2026-01-29 | Ro Khanna | House | Sale | $1,001 - $15,000 | 2026-02-10 |
| 2025-08-26 | Julia Letlow | House | Purchase | $1,001 - $15,000 | 2026-01-14 |
| 2025-08-26 | Julia Letlow | House | Purchase | $1,001 - $15,000 | 2026-01-13 |
| 2020-04-07 | Kelly Loeffler | Senate | Sale (Full) | $250,001 - $500,000 | 2020-05-01 |
| 2020-04-07 | Kelly Loeffler | Senate | Purchase | $15,001 - $50,000 | 2020-05-01 |
| 2020-04-07 | Kelly Loeffler | Senate | Purchase | $50,001 - $100,000 | 2020-05-01 |
| 2020-04-07 | Kelly Loeffler | Senate | Sale (Full) | $250,001 - $500,000 | 2020-04-30 |
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.
Largest 13F holders
Quarter to 2026-06-30, the latest most managers have filed| Manager | Shares | Value | % of shares out |
|---|---|---|---|
| BlackRock, Inc. | 5,009,537 | $1.3B | 10.16% |
| Bank of New York Mellon Corp | 4,309,041 | $1.2B | 8.74% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3,236,936 | $869.2M | 6.56% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 2,836,307 | $761.6M | 5.75% |
| STATE STREET CORP | 2,541,897 | $682.6M | 5.15% |
| T. Rowe Price Investment Management, Inc. | 2,427,220 | $651.8M | 4.92% |
| GEODE CAPITAL MANAGEMENT, LLC | 1,417,209 | $379.9M | 2.87% |
| Invesco Ltd. | 1,226,729 | $329.4M | 2.49% |
| DIMENSIONAL FUND ADVISORS LP | 1,199,305 | $322.0M | 2.43% |
| PRICE T ROWE ASSOCIATES INC /MD/ | 1,143,631 | $307.1M | 2.32% |
| BANK OF AMERICA CORP /DE/ | 1,004,116 | $269.6M | 2.04% |
| MASSACHUSETTS FINANCIAL SERVICES CO /MA/ | 920,398 | $247.2M | 1.87% |
| FULLER & THALER ASSET MANAGEMENT, INC. | 896,364 | $240.7M | 1.82% |
| VOYA INVESTMENT MANAGEMENT LLC | 754,475 | $202.1M | 1.53% |
| MORGAN STANLEY | 736,064 | $197.7M | 1.49% |
Institutional ownership by quarter
% of shares held by 13F filers
Number of 13F filers holding
Holder changes by quarter
| Quarter | Holders | Ownership | New | Increased | Reduced | Closed |
|---|---|---|---|---|---|---|
| 2026-06-30 | 618 | 99.1% | 103 | 225 | 201 | 66 |
| 2026-03-31 | 585 | 95.1% | 88 | 203 | 197 | 55 |
| 2025-12-31 | 564 | 96.8% | 85 | 215 | 182 | 47 |
| 2025-09-30 | 538 | 94.8% | 71 | 200 | 200 | 71 |
| 2025-06-30 | 546 | 97.1% | 75 | 185 | 221 | 85 |
| 2025-03-31 | 563 | 100.0% | 70 | 217 | 187 | 62 |
| 2024-12-31 | 567 | 98.9% | 101 | 169 | 221 | 49 |
| 2024-09-30 | 522 | 99.1% | 73 | 167 | 201 | 61 |
| 2024-06-30 | 515 | 99.2% | 64 | 197 | 184 | 48 |
| 2024-03-31 | 509 | 98.7% | 72 | 170 | 190 | 46 |
| 2023-12-31 | 486 | 98.3% | 110 | 167 | 154 | 32 |
| 2023-09-30 | 416 | 100.1% | 52 | 130 | 165 | 43 |
Schedule 13D / 13G filers
| Filed | Form | Filer | % of class | Shares |
|---|---|---|---|---|
| None on file. | ||||
Required above 5% of a class; 13G is the passive form.
ETFs with the largest holding
| ETF | Weight in fund | Holding value |
|---|---|---|
| VITSX | 0.02% | $410.6M |
| VTSAX | 0.02% | $410.6M |
| VSMPX | 0.02% | $410.6M |
| VTI | 0.02% | $410.6M |
| VOO | 0.02% | $341.5M |
| VFIAX | 0.02% | $341.5M |
Share structure
Shares outstanding49,323,800
Float48,957,291
Free float99.3%
Income statement
Fiscal years, USD| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Revenue | $10.2B | $10.2B | $11.1B | $11.9B | $12.8B |
| Cost of revenue | $6.0B | $2.4B | $2.5B | $2.8B | $2.9B |
| Gross profit | $4.1B | $7.8B | $8.6B | $9.1B | $9.9B |
| R&D | $0 | $0 | $0 | $0 | $0 |
| SG&A | $0 | $0 | $0 | $0 | $0 |
| Operating income | $771.3M | $349.9M | $806.8M | $927.3M | $1.1B |
| EBITDA | $1.1B | $640.2M | $1.1B | $1.3B | $1.4B |
| Pretax income | $771.3M | $349.9M | $806.8M | $927.3M | $1.1B |
| Income tax | $168.4M | $73.3M | $164.3M | $167.1M | $214.7M |
| Net income | $1.4B | $276.6M | $642.5M | $760.2M | $872.7M |
| EPS, diluted | $10.20 | $5.05 | $11.95 | $14.46 | $17.39 |
| Diluted shares | 60.1M | 54.8M | 53.8M | 52.6M | 50.2M |
Balance sheet
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Cash & short-term investments | $9.5B | $8.0B | $3.7B | $4.2B | $4.6B |
| Receivables | $8.1B | $9.4B | $8.9B | $9.6B | $8.6B |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $0 | $0 | $0 | $0 | $13.1B |
| PP&E, net | $561.4M | $645.1M | $685.8M | $768.3M | $841.7M |
| Goodwill & intangibles | $3.9B | $3.5B | $3.3B | $3.2B | $13.4B |
| Total assets | $33.9B | $33.1B | $33.6B | $35.0B | $36.3B |
| Accounts payable | $2.1B | $2.7B | $2.4B | $3.4B | $2.1B |
| Total current liabilities | $0 | $0 | $0 | $0 | $23.9B |
| Long-term debt | $2.2B | $1.9B | $2.1B | $2.1B | $2.2B |
| Total liabilities | $28.5B | $28.9B | $28.8B | $29.9B | $30.4B |
| Shareholders' equity | $5.5B | $4.2B | $4.8B | $5.1B | $5.9B |
Cash flow statement
Outflows are negative| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Net income | $1.4B | $276.6M | $642.5M | $760.2M | $872.7M |
| Depreciation & amortization | $171.6M | $182.0M | $196.4M | $223.5M | $250.0M |
| Stock-based compensation | $66.7M | $62.6M | $75.1M | $81.1M | $0 |
| Change in working capital | −$243.3M | −$218.3M | $261.0M | −$1.0M | $413.0M |
| Operating cash flow | $781.7M | $596.9M | $1.1B | $1.3B | $1.8B |
| Capital expenditure | −$187.4M | −$186.3M | −$202.5M | −$221.3M | −$235.5M |
| Free cash flow | $594.3M | $410.6M | $935.6M | $1.1B | $1.6B |
| Investing cash flow | $157.6M | −$262.1M | −$637.7M | −$657.8M | −$1.5B |
| Net debt issued / repaid | −$72.6M | −$75.9M | −$51.8M | $0 | $121.7M |
| Buybacks | −$839.3M | −$572.8M | −$193.1M | −$307.4M | −$303.7M |
| Dividends paid | −$162.3M | −$150.2M | −$152.3M | −$155.9M | −$168.4M |
Ratio history
Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Gross margin | 40.8% | 76.8% | 77.3% | 76.7% | 77.2% |
| Operating margin | 7.7% | 3.4% | 7.2% | 7.8% | 8.5% |
| Net margin | 13.5% | 2.7% | 5.8% | 6.4% | 6.8% |
| FCF margin | 5.8% | 4.0% | 8.4% | 10.6% | 12.5% |
| ROE | 24.0% | 5.7% | 14.2% | 15.3% | 15.9% |
| ROIC | -33.4% | -17.1% | 20.4% | 25.3% | 24.7% |
| ROA | 3.5% | 0.8% | 1.9% | 2.2% | 2.4% |
| Debt / equity | 0.40 | 0.50 | 0.43 | 0.41 | 0.38 |
| Interest coverage | 8.0x | 4.2x | 8.5x | 9.7x | 10.9x |
| Current ratio | — | — | — | — | 0.55 |
| Revenue growth | +4.9% | +0.1% | +9.2% | +6.7% | +7.9% |
| EPS growth | +235.7% | −78.4% | +133.8% | +21.4% | +19.1% |
| P/E at year end | 6.1x | 23.1x | 13.6x | 14.4x | 13.9x |
| EV / EBITDA at year end | 1.0x | 0.8x | 6.4x | 7.0x | 6.7x |
| FCF yield at year end | 7.08% | 6.43% | 10.72% | 11.56% | 13.22% |
| Dividend payout | 11.8% | 54.3% | 23.7% | 20.5% | 19.3% |
Revenue by segment
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Global Lifestyle | $7.9B | $6.8B | $7.4B | $9.3B | $9.9B |
| Global Housing | $2.1B | $1.9B | $2.0B | $2.6B | $2.9B |
Revenue by region · FY2025
UNITED STATES$10.5B · 100%
Street estimates by fiscal year
Next report 2026-11-03 · consensus EPS $4.75 · these are analysts' numbers, not ours| Fiscal year | Revenue (mean) | Revenue range | EPS (mean) | EPS range | Analysts | P/E on mean EPS |
|---|---|---|---|---|---|---|
| 2026 | $13.9B | $13.7B – $14.1B | $22.54 | $21.88 – $23.20 | 5 | 12.6x |
| 2027 | $14.7B | $14.1B – $15.2B | $23.36 | $22.65 – $23.89 | 5 | 12.1x |
| 2028 | $15.7B | $14.9B – $16.5B | $24.95 | $23.87 – $26.04 | 2 | 11.4x |
Reported vs expected, every quarter on file
| Reported | EPS expected | EPS actual | EPS surprise | Revenue expected | Revenue actual | Revenue surprise |
|---|---|---|---|---|---|---|
| 2026-08-04 | $5.17 | $6.41 | +24.0% | $3.4B | $3.5B | +0.7% |
| 2026-05-05 | $5.29 | $5.95 | +12.5% | $3.3B | $3.4B | +3.9% |
| 2026-02-10 | $5.55 | $5.61 | +1.1% | $3.3B | $3.4B | +1.3% |
| 2025-11-04 | $4.39 | $5.73 | +30.5% | $3.2B | $3.2B | +1.4% |
| 2025-08-05 | $4.43 | $5.56 | +25.5% | $3.2B | $3.2B | −0.2% |
| 2025-05-06 | $2.75 | $3.39 | +23.3% | $3.1B | $3.1B | −0.1% |
| 2025-02-11 | $4.33 | $4.79 | +10.6% | $3.1B | $3.1B | +0.8% |
| 2024-11-05 | $2.52 | $3.00 | +19.0% | $2.9B | $3.0B | +1.0% |
| 2024-08-06 | $3.62 | $4.08 | +12.7% | $2.9B | $2.9B | +1.1% |
| 2024-05-07 | $3.87 | $4.78 | +23.5% | $2.8B | $2.9B | +1.4% |
| 2024-02-06 | $3.70 | $4.58 | +23.8% | $2.8B | $3.0B | +6.4% |
| 2023-10-31 | $2.58 | $4.29 | +66.3% | $2.7B | $2.8B | +3.1% |
| 2023-08-01 | $2.60 | $3.89 | +49.6% | $2.6B | $2.7B | +3.3% |
| 2023-05-02 | $2.32 | $2.75 | +18.5% | $2.6B | $2.6B | +0.8% |
| 2023-02-07 | $2.59 | $3.23 | +24.7% | $2.6B | $2.7B | +0.8% |
| 2022-11-01 | $1.00 | $1.01 | +1.0% | $2.6B | $2.5B | −2.0% |
| 2022-08-02 | $3.21 | $2.95 | −8.1% | $2.6B | $2.5B | −4.3% |
| 2022-05-03 | $2.86 | $3.75 | +31.1% | $2.6B | $2.5B | −5.3% |
| 2022-02-08 | $2.30 | $2.47 | +7.4% | $2.6B | $2.6B | −0.1% |
| 2021-11-02 | $1.23 | $1.41 | +14.6% | $2.5B | $2.6B | +4.7% |
| 2021-08-03 | $2.50 | $2.99 | +19.6% | $2.4B | $2.5B | +5.9% |
| 2021-05-04 | $1.96 | $3.03 | +54.6% | $2.5B | $2.4B | −1.5% |
| 2021-02-09 | $2.08 | $1.82 | −12.5% | $2.9B | $2.6B | −11.5% |
| 2020-11-02 | $0.94 | $1.41 | +50.0% | $2.4B | $2.4B | −2.4% |
Off-exchange (dark pool) volume, weekly
FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)| Week of | Notional | Shares | Trades |
|---|---|---|---|
| 2026-08-31 | $123.6M | 434,552 | 20,629 |
| 2026-08-24 | $90.4M | 315,471 | 19,185 |
| 2026-08-17 | $148.4M | 525,709 | 24,685 |
| 2026-08-10 | $144.0M | 507,374 | 21,193 |
| 2026-08-03 | $240.8M | 826,689 | 35,483 |
| 2026-07-27 | $193.1M | 687,779 | 30,466 |
Short-sale share of off-exchange volume
daily 20-day average| Date | Short share | Short volume | Total volume |
|---|---|---|---|
| 2026-10-15 | 80.6% | 161,187 | 200,072 |
| 2026-10-14 | 74.4% | 118,623 | 159,369 |
| 2026-10-13 | 63.2% | 39,234 | 62,100 |
| 2026-10-12 | 61.4% | 49,024 | 79,885 |
| 2026-10-09 | 75.1% | 110,150 | 146,655 |
| 2026-10-08 | 79.0% | 66,496 | 84,155 |
| 2026-10-07 | 63.5% | 72,270 | 113,867 |
| 2026-10-06 | 82.6% | 89,624 | 108,477 |
| 2026-10-05 | 73.9% | 79,888 | 108,156 |
| 2026-10-02 | 55.1% | 72,544 | 131,711 |
A daily flow measure from FINRA, not short interest.
Seasonality
Average return by calendar month| Month | Avg return | Up years | Years |
|---|---|---|---|
| Jan | −0.1% | 55% | 20 |
| Feb | −1.9% | 40% | 20 |
| Mar | +1.1% | 48% | 21 |
| Apr | +2.2% | 70% | 20 |
| May | +0.5% | 65% | 20 |
| Jun | +0.6% | 50% | 20 |
| Jul | +0.9% | 65% | 20 |
| Aug | +3.1% | 55% | 20 |
| Sep | +1.9% | 75% | 20 |
| Oct | −1.9% | 55% | 20 |
| Nov | +1.7% | 65% | 20 |
| Dec | +3.5% | 70% | 20 |
History, not a forecast.
Indicators
as of 2026-10-16RSI 1461.6
MFI79.8
ADX22.7
Stochastic %K / %D94.6 / 86.8
Williams %R-9.1
CCI200
TSI / signal-0.2 / -13.0
Chaikin money flow-0.10
ATR$5.62
Bollinger width8.8%
Volume vs 20-day avg0.74x
SupertrendUp
Moving averages and bands
level (price vs level)SMA 20$269.56 (+5.1%)
SMA 50$277.76 (+2.0%)
SMA 200$251.86 (+12.5%)
EMA 21$273.38 (+3.6%)
EMA 50$274.36 (+3.3%)
EMA 200$255.87 (+10.7%)
Bollinger upper$281.44 (+0.7%)
Bollinger lower$257.68 (+9.9%)
Parabolic SAR$263.57 (+7.5%)
Open the live chart, 110+ indicatorsAbout Assurant, Inc.
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.
https://www.assurant.com
Key executives
| Name | Title | Pay | Born |
|---|---|---|---|
| Keith Warner Demmings | President, Chief Executive Officer & Director | $5.4M | 1973 |
| Keith Roland Meier | Executive Vice President & Chief Financial Officer | $2.5M | 1970 |
| Biju Nair | Executive Vice President & President of Global Connected Living | $1.6M | 1966 |
| Michael Campbell | Executive Vice President & Chief Operating Officer | $1.6M | 1968 |
| Robert A. Lonergan | Executive VP, Chief Strategy & Transformation Officer | $1.6M | 1977 |
| Dimitry DiRienzo | Senior Vice President, Chief Accounting Officer & Controller | — | 1977 |
| Jay E. Rosenblum | Executive Vice President & Chief Legal Officer | — | 1967 |
| Joseph A. Surber | Chief Technology Officer | — | — |
Executive pay, latest proxy
| Executive | Year | Salary | Stock awards | Incentive | Total |
|---|---|---|---|---|---|
| Keith W. Demmings, President and Chief Executive Officer | 2025 | $1.2M | $9.8M | $3.6M | $15.2M |
| Keith R. Meier, Executive Vice President, Chief Financial Officer | 2025 | $746,154 | $2.9M | $1.6M | $5.5M |
| Francesca L. Luthi, Former Executive Vice President, Chief Operating Officer | 2025 | $645,192 | $2.3M | $1.0M | $4.2M |
| Michael P. Campbell, Executive Vice President, Chief Operating Officer | 2025 | $591,731 | $2.5M | $874,360 | $4.1M |
| Biju Nair, Executive Vice President and President, Global Connected Living | 2025 | $596,154 | $2.0M | $876,000 | $3.6M |
| Robert A. Lonergan Executive Vice President, Chief Strategy and Transformation Officer | 2025 | $560,481 | $1.5M | $834,074 | $3.1M |
Employees
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| 2026-08-31 | $0.88 | 2026-09-28 |
| 2026-06-08 | $0.88 | 2026-06-29 |
| 2026-02-17 | $0.88 | 2026-03-30 |
| 2025-12-01 | $0.88 | 2025-12-29 |
| 2025-09-02 | $0.8 | 2025-09-29 |
| 2025-06-09 | $0.8 | 2025-06-30 |
| 2025-02-03 | $0.8 | 2025-03-31 |
| 2024-12-09 | $0.8 | 2024-12-30 |
Moat model
Weak · Intangible Assets · 2026-06-30Cost advantage59
Intangibles68
Switching costs31
Network effect42
Efficient scale35
Our component scores (0-100) and overall 48.1; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17