AIZ Stock Financial Analysis - Assurant, Inc. (NYSE) Stock

Overview

Assurant, Inc., based in the United States, operates primarily within the insurance industry, focusing on a diverse range of risk management solutions and services. The company is notably engaged in sectors such as property, casualty, extended device protection, and vehicle protection. Assurant's offerings extend to supportive solutions that encompass pre-funded funeral insurance and renters insurance, addressing both individual and corporate needs. Key projects that highlight Assurant's strategic direction include integrating robust mobile device insurance programs, expanding their global footprint in lifestyle and housing solutions, and advancing their automotive coverage services. Through these initiatives, Assurant aims to reinforce its market presence and enhance its service delivery across its operational regions.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Assurant, Inc. as of June 30, 2025 is 12,304.90 MM.
The operating income for Assurant, Inc. as of June 30, 2025 is 986.60 MM.
The net income for Assurant, Inc. as of June 30, 2025 is 717.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	12,304.90	986.60	717.00
2025-03-31	12,071.40	930.50	670.40
2024-12-31	11,877.50	1,039.70	760.20
2024-09-30	11,755.80	1,025.90	741.40
2024-06-30	11,562.20	1,117.70	797.70
2024-03-31	11,368.90	1,088.30	765.30
2023-12-31	11,131.60	949.00	642.50
2023-09-30	10,801.30	864.70	528.10
2023-06-30	10,575.00	630.30	345.30
2023-03-31	10,353.10	498.30	241.20
2022-12-31	10,193.00	520.00	276.60
2022-09-30	10,115.10	532.40	329.40
2022-06-30	10,205.10	734.20	1,201.90
2022-03-31	10,237.70	904.50	1,355.50
2021-12-31	10,187.60	917.30	1,361.80
2021-09-30	10,024.90	914.00	1,380.10
2021-06-30	9,763.80	815.60	470.10
2021-03-31	9,573.50	783.10	442.40
2020-12-31	9,597.60	690.10	440.80
2020-09-30	9,737.00	733.30	430.20

Income Statement: EPS

The earnings per share basic for Assurant, Inc. as of June 30, 2025 is 13.90.
The earnings per share diluted for Assurant, Inc. as of June 30, 2025 is 13.78.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	13.90	13.78
2025-03-31	12.91	12.82
2024-12-31	14.55	14.46
2024-09-30	14.10	14.01
2024-06-30	15.08	14.98
2024-03-31	14.38	14.28
2023-12-31	12.02	11.95
2023-09-30	9.86	9.82
2023-06-30	6.44	6.41
2023-03-31	4.48	4.46
2022-12-31	5.09	5.05
2022-09-30	5.95	5.90
2022-06-30	21.20	21.02
2022-03-31	23.26	23.08
2021-12-31	22.95	22.66
2021-09-30	22.98	22.51
2021-06-30	7.61	7.56
2021-03-31	7.09	7.05
2020-12-31	7.02	6.98
2020-09-30	6.79	6.76

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Assurant, Inc. as of June 30, 2025 is 1,197.20 MM.
The cash from investing activities for Assurant, Inc. as of June 30, 2025 is -920.70 MM.
The cash from financing activities for Assurant, Inc. as of June 30, 2025 is -523.50 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	1,197.20	-920.70	-523.50
2025-03-31	1,642.60	-751.20	-500.00
2024-12-31	1,332.70	-657.80	-477.50
2024-09-30	1,592.50	-725.70	-479.80
2024-06-30	1,486.50	-675.50	-480.50
2024-03-31	961.00	-736.50	-457.10
2023-12-31	1,138.10	-637.70	-403.90
2023-09-30	1,052.60	-768.00	-293.10
2023-06-30	1,370.00	-852.90	-293.90
2023-03-31	1,357.60	-478.20	-583.90
2022-12-31	596.90	-262.10	-818.40
2022-09-30	574.50	-14.00	-1,099.60
2022-06-30	-75.40	231.30	-1,693.90
2022-03-31	699.30	129.80	-1,214.30
2021-12-31	781.70	157.60	-1,089.80
2021-09-30	967.40	-423.30	-725.40
2021-06-30	1,578.80	-669.70	-297.60
2021-03-31	1,047.00	-902.60	-509.20
2020-12-31	1,342.00	-735.20	-264.80
2020-09-30	1,147.10	-281.40	-425.90

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/book for Assurant, Inc. as of June 30, 2025 is 1.93.
The p/tbv for Assurant, Inc. as of June 30, 2025 is 3.87.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30		1.93	3.87
2025-03-31		2.05	-1.40
2024-12-31		2.07	-1.46
2024-09-30	12.98	2.07	-1.35
2024-06-30	11.36	1.77	-1.13
2024-03-31	15.16	2.03	-1.24
2023-12-31	16.78	1.97	-1.09
2023-09-30	22.05	1.70	-0.94
2023-06-30	27.36	1.50	-0.81
2023-03-31	22.96	1.50
2022-12-31		1.61	-0.79
2022-09-30		1.74	-0.99
2022-06-30		1.86
2022-03-31	7.65	1.91	-1.62
2021-12-31	6.40	1.55	-1.46
2021-09-30	19.51	1.57	-1.64
2021-06-30
2021-03-31	25.22	1.95	-2.10
2020-12-31	24.56	1.82	-2.10
2020-09-30	25.70	1.86	-1.94

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Assurant, Inc. as of June 30, 2025 is 0.08.
The ebit (3y)/ev for Assurant, Inc. as of June 30, 2025 is 0.07.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.08	0.07
2025-03-31	0.09	0.07
2024-12-31	0.08	0.06
2024-09-30	0.09	0.06
2024-06-30	0.10	0.07
2024-03-31	0.08	0.06
2023-12-31	0.07	0.06
2023-09-30	0.05	0.07
2023-06-30	0.04	0.07
2023-03-31	0.05	0.08
2022-12-31	0.06	0.07
2022-09-30	0.07	0.07
2022-06-30	0.07	0.06
2022-03-31	0.07	0.06
2021-12-31	0.08	0.07
2021-09-30	0.07	0.06
2021-06-30
2021-03-31	0.05	0.04
2020-12-31	0.05	0.04
2020-09-30	0.04	0.04

Management Effectiveness

The roa for Assurant, Inc. as of June 30, 2025 is 0.02.
The roe for Assurant, Inc. as of June 30, 2025 is 0.13.
The roic for Assurant, Inc. as of June 30, 2025 is 0.09.
The croic for Assurant, Inc. as of June 30, 2025 is 0.05.
The ocroic for Assurant, Inc. as of June 30, 2025 is 0.22.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.02	0.13	0.09	0.05	0.22
2025-03-31	0.02	0.15	0.10	0.02	0.18
2024-12-31	0.02	0.15	0.10	0.05	0.22
2024-09-30	0.02	0.18	0.11	0.04	0.21
2024-06-30	0.02	0.17	0.11	-0.03	0.14
2024-03-31	0.02	0.15	0.09	0.01	0.16
2023-12-31	0.02	0.13	0.08	-0.00	0.16
2023-09-30	0.01	0.08	0.05	0.03	0.21
2023-06-30	0.01	0.05	0.05	0.03	0.20
2023-03-31	0.01	0.06	0.04	0.04	0.20
2022-12-31	0.01	0.06	0.05	-0.09	0.09
2022-09-30	0.04	0.21	0.05	-0.10	0.09
2022-06-30	0.03	0.23	0.18	-0.24	-0.01
2022-03-31	0.03	0.24	0.19	-0.06	0.10
2021-12-31	0.03	0.23	0.18	-0.02	0.12
2021-09-30	0.03	0.08	0.17	-0.02	0.19
2021-06-30	0.01	0.08	0.06	0.07	0.18
2021-03-31	0.01	0.08	0.06	-0.04	0.13
2020-12-31	0.01	0.08	0.05	0.04	0.16
2020-09-30	0.01	0.08	0.05	0.06	0.14

Gross Margins

The gross margin for Assurant, Inc. as of June 30, 2025 is 0.10.
The net margin for Assurant, Inc. as of June 30, 2025 is 0.06.
The operating margin for Assurant, Inc. as of June 30, 2025 is 0.08.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.10	0.06	0.08
2025-03-31	0.09	0.06	0.09
2024-12-31	0.11	0.06	0.09
2024-09-30	0.12	0.07	0.10
2024-06-30	0.12	0.07	0.10
2024-03-31	0.08	0.06	0.08
2023-12-31	0.10	0.05	0.08
2023-09-30	0.08	0.03	0.06
2023-06-30	0.07	0.03	0.06
2023-03-31	0.05	0.02	0.05
2022-12-31	0.08	0.03	0.05
2022-09-30	0.11	0.03	0.05
2022-06-30	0.12	0.12	0.07
2022-03-31	0.78	0.13	0.09
2021-12-31	0.14	0.13	0.09
2021-09-30	0.12	0.13	0.10
2021-06-30	0.12	0.05	0.09
2021-03-31	0.10	0.05	0.08
2020-12-31		0.05	0.07
2020-09-30	0.10	0.04	0.08

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