Stocks · Financial Services · Insurance - Property & Casualty
Assurant, Inc. AIZ
$266.41 -0.34% Close, Oct 5, 2026 · NYSE · Market cap $13.25B
High qualityInexpensive vs sector
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +17.0%).
- Diluted EPS over the last four quarters was $21.11, up 52.9% year over year.
- The stock is in an uptrend: above its 200-day average for 128 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth68Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 40%
- EPS growth (TTM, YoY)Top 20%
- FCF growth (TTM, YoY)Top 31%
- Revenue growth, 3-year CAGRBottom 24%
- Revenue growth accelerationTop 42%
Quality88Strong
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 17%
- Gross marginTop 20%
- Operating marginBottom 21%
- Cash conversion (OCF / net income)Top 23%
- Accruals (lower is better)Top 24%
- Net debt / EBITDA (lower is better)Top 36%
- Interest coverTop 13%
Value90Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 38%
- Free-cash-flow yieldTop 24%
- EBITDA / enterprise valueTop 18%
- Sales / enterprise valueTop 11%
- P/E vs own 5-year history (lower is better)Top 30%
Momentum71Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 23%
- 6-month returnTop 16%
- 1-year return vs S&P 500Top 29%
- Distance from 52-week highBottom 45%
- Trend checklist (0–4)Top 48%
Revisions96Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 16%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyTop 38%
- Upside to consensus price targetTop 29%
Stability66Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 44%
- Maximum drawdown, 3 yearsTop 28%
- Beta vs S&P 500 (lower is better)Top 44%
- Net debt / EBITDA (lower is better)Top 36%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 9.0% | 9.4% | ↑ |
| EPS growth (YoY) | 53.4% | 52.9% | ↓ |
| Gross margin | 76.0% | 78.1% | ↑ |
| Operating margin | 7.1% | 9.9% | ↑ |
| FCF margin | 9.1% | 12.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.4% | 9.0% | ↑ | Top 40% |
| EPS growth (TTM, YoY) | 52.9% | 53.4% | ↓ | Top 20% |
| Gross margin | 78.1% | 76.0% | ↑ | Top 20% |
| Operating margin | 9.9% | 7.1% | ↑ | Bottom 21% |
| Net margin | 7.9% | 5.8% | ↑ | — |
| Free-cash-flow margin | 12.3% | 9.1% | ↑ | — |
| Return on invested capital | 8.9% | — | Top 17% | |
| Revenue growth, 3-year CAGR | 7.9% | — | Bottom 24% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.76×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -2.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -18.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.30×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 11.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.33%
- Net buyback yield (TTM)
- 2.85%
- Shareholder yield
- 4.19%
- Share count change, 1 year
- -3.4%
- Share count change, 3-year CAGR
- -2.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +17.0%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $327.50
- Target vs current price
- +22.9%
- Analysts with a rating
- 19
- Share rating Buy or Strong Buy
- 58%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 4, 2026 | +24.0% | -0.4% | +1.7% | -0.2% | — |
| May 5, 2026 | +12.5% | +3.5% | +6.6% | +8.4% | +23.3% |
| Feb 10, 2026 | +1.1% | +0.5% | -6.1% | -6.6% | +0.5% |
| Nov 4, 2025 | +30.5% | +1.2% | +6.6% | +4.4% | +12.3% |
| Aug 5, 2025 | +25.5% | -0.0% | +8.9% | +13.6% | +10.1% |
| May 6, 2025 | +23.3% | +0.7% | +2.8% | +4.8% | -4.7% |
| Feb 11, 2025 | +10.6% | +0.1% | -5.2% | -4.0% | -7.3% |
| Nov 5, 2024 | +19.0% | +1.0% | +10.2% | +18.9% | +11.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 4, 2026 | $6.41 | $5.17 | +24.0% | $3.45B |
| May 5, 2026 | $5.95 | $5.29 | +12.5% | $3.42B |
| Feb 10, 2026 | $5.61 | $5.55 | +1.1% | $3.35B |
| Nov 4, 2025 | $5.73 | $4.39 | +30.5% | $3.23B |
| Aug 5, 2025 | $5.56 | $4.43 | +25.5% | $3.16B |
| May 6, 2025 | $3.39 | $2.75 | +23.3% | $3.07B |
| Feb 11, 2025 | $4.79 | $4.33 | +10.6% | $3.10B |
| Nov 5, 2024 | $3.00 | $2.52 | +19.0% | $2.97B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.6× | 14.0× | 33th | Top 38% |
| P/E (forward) | 11.9× | — | — | — |
| EV / EBITDA | 8.1× | — | — | Top 18% |
| EV / Sales | 1.02× | — | — | Top 11% |
| Free-cash-flow yield | 12.50% | — | — | Top 24% |
| Earnings yield | 7.92% | — | — | Top 38% |
P/E over the past five years
Range 7.1× – 29.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +22.0%
- Earnings per share growth (TTM)
- +52.9%
- Change in P/E multiple
- -3.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 128
- 50-day average slope (20 days)
- -0.2%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- -4.9%
- Distance from 200-day average
- +6.3%
- RSI (14)
- 37.9
- Relative volume
- 0.77×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.9%
- Volatility vs own 5-year history
- 41th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.64
- Correlation with S&P 500
- 0.43
- Current drawdown from 1-year high
- -11.7%
- Maximum drawdown, 3 years
- -21.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 20, 2022 | Mar 17, 2023 | -45.7% | 228 days | 363 days (Aug 27, 2024) |
| Nov 26, 2024 | Apr 8, 2025 | -21.4% | 89 days | 172 days (Dec 12, 2025) |
| Jan 19, 2021 | Feb 18, 2021 | -14.1% | 21 days | 21 days (Mar 19, 2021) |
| Sep 8, 2021 | Jan 21, 2022 | -14.1% | 94 days | 36 days (Mar 15, 2022) |
| Aug 5, 2026 | Sep 24, 2026 | -13.2% | 35 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $13.25B
- P/E (TTM)
- 12.6
- EPS, diluted (TTM)
- $21.11
- Revenue (TTM)
- $13.46B
- Dividend yield
- 1.32%
- 52-week range
- $206.03 – $303.94
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $10.19B | $10.19B | $11.13B | $11.88B | $12.81B |
| Gross profit | $4.15B | $7.83B | $8.61B | $9.11B | $9.89B |
| Operating income | $771.3M | $349.9M | $806.8M | $927.3M | $1.09B |
| Net income | $1.36B | $276.6M | $642.5M | $760.2M | $872.7M |
| EPS (diluted) | $10.20 | $5.05 | $11.95 | $14.46 | $17.39 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.97B | $3.10B | $3.07B | $3.16B | $3.23B | $3.35B | $3.42B | $3.45B |
| Net income | $133.8M | $201.3M | $146.6M | $235.3M | $265.6M | $225.2M | $274.1M | $298.6M |
| EPS (diluted) | $2.55 | $3.87 | $2.83 | $4.56 | $5.17 | $4.49 | $5.46 | $5.99 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $781.7M | $596.9M | $1.14B | $1.33B | $1.83B |
| Capital expenditure | -$187.4M | -$186.3M | -$202.5M | -$221.3M | -$235.5M |
| Free cash flow | $594.3M | $410.6M | $935.6M | $1.11B | $1.60B |
| Dividends paid | -$157.6M | -$150.2M | -$152.3M | -$155.9M | -$168.4M |
| Net share buybacks | -$839.3M | -$572.8M | -$193.1M | -$307.4M | -$303.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $11.85B
- Total assets
- $36.08B
- Total liabilities
- $29.98B
- Total debt
- $2.21B
- Net debt
- $509.4M
- Shareholders’ equity
- $6.10B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 31, 2026 | $0.88 | Sep 28, 2026 |
| Jun 8, 2026 | $0.88 | Jun 29, 2026 |
| Feb 17, 2026 | $0.88 | Mar 30, 2026 |
| Dec 1, 2025 | $0.88 | Dec 29, 2025 |
| Sep 2, 2025 | $0.80 | Sep 29, 2025 |
| Jun 9, 2025 | $0.80 | Jun 30, 2025 |
| Feb 3, 2025 | $0.80 | Mar 31, 2025 |
| Dec 9, 2024 | $0.80 | Dec 30, 2024 |
Short interest
- Shares sold short
- 1,320,781
- Days to cover
- 4.50
- Change vs previous report
- -5.4%
FINRA short interest, settlement date Sep 15, 2026.