Reading the tape
NYSE: AIZ
Assurant, Inc.
Financial Services · Insurance - Specialty
Market Cap
$11.53B
52w High
$246.31
52w Low
$183.39
P/E
13.32
Volume
620.47K
Outstanding Shares
49.79M
Price vs Fundamentals
Why The Stock Is Moving
Fundamentals are supporting the moveModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: 20.81%Revenue (TTM): 7.89%FCF (TTM): 26.39%P/FCF: 36th pct
What changed
The stock rose 20.81% over the last year. Revenue grew 7.89% over the trailing twelve months. Operating margin moved from 7.81% to 8.49%. Free cash flow grew 26.39% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 36th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 8.49%. Revenue grew 7.89% — this thesis depends on that trajectory holding. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Company profile
Assurant, Inc., together with its subsidiaries, provides lifestyle and housing solutions that support, protect, and connect consumer purchases in North America, Latin America, Europe, and the Asia Pacific.
CEOKeith Warner Demmings
SectorFinancial Services
IndustryInsurance - Specialty
Employees14,200
IPO dateFeb 5, 2004
Valuation
Forward P/E—
EV/EBITDA8.66
Enterprise value$12.53B
Price / Book1.96
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth7.91%
Gross margin77.15%▲0.58%vs FY2024
Operating margin8.49%▲8.69%vs FY2024
ROE14.86%▼0.16%vs FY2024
Analyst consensus
RatingBuy
Target price$252.67▲9.14%
10
Buy
8
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
May 5, 2026
Q2 FY26 · EPS est $5.29 · Revenue est $3.29B
View
Dividends
$3.36/shareQuarterlyDividend Achiever · 21yrSafeAIZ pays a dividend with a 1.45% dividend yield, 21 consecutive years of growth, growing at 5.43% annually, covered 9.5× by free cash flow.
Dividend Yield
1.45%
Annual Div / Share
$3.36
5yr CAGR
+5.43%
Doubles every ~13.1yr
Payout Ratio
19.3%
Safe
Dividend Growth Rate
3yr CAGR
+6.78%
5yr CAGR
+5.43%
10yr CAGR
+7.7%
Dividend Safety
10/10Safe
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2025$3.36+10.5%
2024$3.04+7.0%
2023$2.84+2.9%
2022$2.76+3.0%
2021$2.68+3.9%
2020$2.58+4.9%
2019$2.46+6.0%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$15/yr
$1/mo
In 5 yrs
$19/yr+30%
$2/mo
In 10 yrs
$25/yr+70%
$2/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$15/yr $1/mo | $19/yr+30% $2/mo | $25/yr+70% $2/mo |
Yield-on-cost grows from 1.45% → 2.46% over 10yr
Analysis
Dividend Strengths
Dividend Achiever
AIZ has raised its dividend for 21 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Well-covered by free cash flow
The dividend is covered 9.5× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Strong dividend growth rate
The 5-year CAGR of 5.43% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
No strong risk signal stands out from the latest period pair.