Assurant, Inc. 5.25% Subordinat (AIZN)
Valuation Overview•Is Assurant, Inc. 5.25% Subordinat Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 70/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though profitability presents a headwind.
Wall Street sentiment is generally neutral with steady expected earnings growth. This outlook is strongly supported by highly attractive capital returns, driven by a balanced mix of reliable dividends and share buybacks.
AIZN demonstrates strong business quality with robust profitability and healthy margins. This is paired with a moderately leveraged but stable balance sheet.
The company demonstrates solid revenue growth (7.9% 3Y CAGR) paired with highly explosive earnings growth (51.0% EPS 3Y CAGR). Operating efficiency remains adequate with margins around 9.4%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $3.4B | +7.9% | +7.9% | +5.9% | +2.2% | |
| EBITDA | $335.6M | — | +36.0% | — | — | |
| Net Income | $274.1M | +14.8% | +46.7% | — | +19.9% | |
| EPS (Diluted) | $5.46 | +20.3% | +51.0% | +21.0% | +23.8% | |
| Free Cash Flow | $240.3M | +43.8% | +57.3% | +5.5% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 77.8% | 77.1% | 69.8% | 61.9% |
| Operating Margin | 9.4% | 7.8% | 6.9% | 6.9% |
| Net Margin | 7.6% | 6.3% | 7.0% | 6.3% |
| FCF Margin | 11.4% | 10.1% | 8.0% | 8.2% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $5.34 | $5.47 | +2.4% | ||
| Q1'26 | $5.54 | $5.61 | +1.3% | ||
| Q4'25 | $4.39 | $5.18 | +18.0% | ||
| Q3'25 | $4.50 | $4.56 | +1.3% | ||
| Q2'25 | $2.75 | $2.83 | +2.9% | ||
| Q4'23 | — | $3.42 | — | ||
| Q3'23 | — | $3.54 | — | ||
| Q2'23 | — | $2.90 | — |
Total return is +2.0% (1Y), lagging the benchmark by -23.0%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -2.0% | -11.4% | — |
| 1Y | +2.0% | -23.0% | +6.6% |
| 3YCAGR | +5.5% | -14.2% | +20.2% |
| 5YCAGR | -1.2% | -13.7% | +24.3% |
| 10YCAGR | -0.4% | -14.0% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Assurant, Inc. 5.25% Subordinat (AIZN) valuation, health, and returns.
Based on peer relative multiples, Assurant, Inc. 5.25% Subordinat appears Cheap versus peers compared to industry peers.
Assurant, Inc. 5.25% Subordinat has multiple valuation anchors: Peer Relative Fair Value: $275.98. A convergence of these signals offers higher conviction.
Assurant, Inc. 5.25% Subordinat displays good financial health with a composite quality score of 70/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 14.0%.
Assurant, Inc. 5.25% Subordinat pays a 17.8% dividend yield, covered by a 19% payout ratio with 0 years of growth, supplemented by a 32.3% buyback yield.
Assurant, Inc. 5.25% Subordinat's current growth trajectory is Stable. The company achieved +7.9% 1Y revenue growth and +20.3% 1Y EPS growth, compared to its 3Y revenue CAGR of +7.9%.
Wall Street consensus is Hold based on 0 analysts, beating EPS expectations in 100% of recent quarters with a 5-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for Assurant, Inc. 5.25% Subordinat include: -70.7% 1-year max drawdown. Volatility risk is characterized by a beta of 0.81x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.