Assurant Inc (AIZ) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Assurant Inc stock (AIZ) is currently trading at $217.02. Assurant Inc PE ratio is 12.83. Assurant Inc PS ratio (Price-to-Sales) is 0.85. Analyst consensus price target for AIZ is $261.33. WallStSmart rates AIZ as Moderate Buy.
- AIZ PE ratio analysis and historical PE chart
- AIZ PS ratio (Price-to-Sales) history and trend
- AIZ intrinsic value — DCF, Graham Number, EPV models
- AIZ stock price prediction 2025 2026 2027 2028 2029 2030
- AIZ fair value vs current price
- AIZ insider transactions and insider buying
- Is AIZ undervalued or overvalued?
- Assurant Inc financial analysis — revenue, earnings, cash flow
- AIZ Piotroski F-Score and Altman Z-Score
- AIZ analyst price target and Smart Rating
Assurant Inc
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AIZ Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Assurant Inc (AIZ)
AIZ trades at a significant discount to its Graham intrinsic value of $523.84, offering a 59% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Assurant Inc (AIZ) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, price/sales, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Assurant Inc (AIZ) Key Strengths (5)
Paying less than $1 for every $1 of annual revenue
97.75% of shares held by major funds and institutions
Large-cap company with substantial market presence
Trading at 1.84x book value, attractively priced
Solid profitability: $16 profit per $100 equity
Supporting Valuation Data
Assurant Inc (AIZ) Areas to Watch (5)
Paying a premium for growth, expensive relative to earnings expansion
Thin operating margins with cost pressures present
Modest revenue growth at 7.90%
Thin profit margins with limited profitability
Solid earnings growth at 15.10%
Assurant Inc (AIZ) Detailed Analysis Report
Overall Assessment
This company scores 66/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Institutional Own., Market Cap. Valuation metrics including Price/Sales (0.85), Price/Book (1.84) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 15.90%.
The Bear Case
The primary concerns are PEG Ratio, Operating Margin, Revenue Growth. Some valuation metrics including PEG Ratio (2.16) suggest expensive pricing. Growth concerns include Revenue Growth at 7.90%, EPS Growth at 15.10%, which may limit upside. Profitability pressure is visible in Operating Margin at 10.10%, Profit Margin at 6.81%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 15.90% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 7.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Institutional Own.) and negatives (PEG Ratio, Operating Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AIZ Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AIZ's Price-to-Sales ratio of 0.85x trades 84% above its historical average of 0.46x (93th percentile), historically expensive. The current valuation is 7% below its historical high of 0.91x set in Mar 2022, and 607% above its historical low of 0.12x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Assurant Inc (AIZ) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Assurant Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 12.8B with 8% growth year-over-year. Profit margins are thin at 6.8%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 1590.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 612M in free cash flow and 671M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Assurant Inc push profit margins above 15% as the business scales?
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Assurant Inc.
Bottom Line
Assurant Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Assurant Inc(AIZ)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Assurant, Inc. is a global provider of risk management products and services with headquarters in New York City.