NYSE
AIZ
Last Price
US $276.98
KEY FIGURES
MKT CAP
$13.7B
EPS
TTM
$20.12
PEG
TTM
0.26x
P/E
TTM
13.76x
P/S
TTM
1.05x
YIELD
1.24%
GROWTH
Revenue Y/Y
5.92%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $276.98
68.72%
Default assumptions
EBITDA Multiple
Fair Value
Market $276.98
-29.24%
Default assumptions
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Assurant, Inc. cash flow to debt ratio of 83.10% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
Assurant, Inc.'s free cash flow has increased 43.82% from $1.11G last year to $1.60G, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Assurant, Inc.'s debt to equity ratio is 0.38, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Assurant, Inc.'s debt has decreased relative to shareholder equity from 0.41 last year to 0.38 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Assurant, Inc. has a net debt to EBITDA ratio of 0.26x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Assurant, Inc.'s interest coverage ratio of 11.14 indicates that earnings with good margin can cover interest payments on company debt
Financial stability - Profit margin growth.
Assurant, Inc.'s profit margin has increased (18.75%) in the last year from 6.40% to 7.60%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Assurant, Inc.'s short-term liabilities of $23.89G exceed its short-term assets of $13.15G, signaling financial risk
Decreasing performance - ROA.
Assurant, Inc.'s return on assets of 2.80% is lower than the 5.00% threshold, indicating inefficient asset utilization
Increasing performance - Absolute return on equity.
Assurant, Inc.'s return on equity of 17.40%, is higher than 15.00%, indicating good performance
Increasing performance - Earnings quality.
Assurant, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Assurant, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Assurant, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Assurant, Inc. has a free cash flow yield of 11.65%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Assurant, Inc.'s yearly earnings has increased 14.80% since last year from $760.20M to $872.70M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Assurant, Inc.'s yearly revenue has increased 7.89% since last year from $11.88G to $12.81G, signaling increasing performance
Increasing performance - ROIC.
ROIC 12.38% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
Assurant, Inc.'s 3-year revenue CAGR of 7.93% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Assurant, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Assurant, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Assurant, Inc. is undervalued relative to its fair value price of 467.31 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Assurant, Inc. has an earnings yield of 7.27%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Assurant, Inc. is overvalued relative to its fair value price of 195.98 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Assurant, Inc. has an EV/EBITDA ratio of 9.74x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Assurant, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Assurant, Inc. has a price-to-book ratio of 2.35x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Assurant, Inc. has a price-to-sales ratio of 1.05x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
17.40%
Return on equity
ROIC: 12.38%
Valuation History
14.1X
Price to Earnings
EV/EBITDA: 9.0X
Cash flow
Profit margin
11.90%
(FY vs FY)
Cash flow Y/Y
5.54%
(FY vs FY)
Base valuations use default assumptions. Customize in the Valuator.