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#23Financials· Multi-line Insurance

AIZBuy

Assurant

$254.61USD
66
Composite Score65.7Strong
−38
Margin of safety−38%Overvalued
Fair value$184.38
Target$450.58
Loss chance46%

Price (1y)

Loading price history…

Fair price check

4 different valuation methods each estimate what AIZ should be worth, then we compare to today's price.

Looks overvalued
Models suggest AIZ is trading above fair value
Today's price
$254.61
Median fair price
$184.38
-28% vs today
Of 4 methods:1 say cheap1 say fair2 say pricey
  • P/E multiplesUndervalued
    thinks it's a bargain — estimates $450.58, about 77% above today
  • P/B multiplesFair
    thinks it's fairly priced — estimates $235.57, about 7% below today
  • Graham (defensive)Overvalued
    thinks it's expensive — estimates $133.18, about 48% below today
  • Residual IncomeOvervalued
    thinks it's expensive — estimates $66.30, about 74% below today

How to read this: “Cheap” = method's fair price is at least 20% above today. “Fair” = within ±10–20%. “Pricey” = at least 10% below today. Outliers (values more than 5× or less than 0.2× today's price) are excluded.

Fair price ensemble

Median fair
$184.38
Margin of safety
-38.1%
Max (ex-outliers)
$450.58
Tangible BVPS
$54.57
MethodValue
Graham (defensive)$133.18
P/E multiples(vs sector peers)$450.58
P/B multiples(vs sector peers)$235.57
EV/EBITDAskipped
Residual Income$66.30
DCF (2-stage)skipped
  • goodwill heavy

Median of all applicable methods (current price $254.61). Outliers above 5× or below 0.2× current price are excluded from the max but kept in the median. See methodology for the 6-method ensemble + 7 defenses.

Pillar breakdown

8 dimensions, each scored 0–100 against the universe

Financials median (n=75)
  • Quality
    Profit margins & asset efficiency
    67
    Decent
  • Value
    Price vs fundamentals
    66
    Decent
  • Growth
    Revenue & earnings trajectory
    80
    Strong
  • Momentum
    Recent price strength
    65
    Decent
  • Health
    Balance sheet & solvency
    53
    Decent
  • Profitability
    ROE, ROA, ROIC
    48
    Weak
  • Technical
    Trend & volatility signals
    68
    Decent
  • Risk
    Volatility & drawdown profile
    68
    Decent
0305070100
Strong (70+)Decent (50–70)Weak (30–50)Poor (<30)

Pillars not shown: Sentiment, ML (Phase 5+).

Raw fundamentals (SEC EDGAR)

MetricValue
Market cap$12.62B
Revenue (TTM)$13.16B
Net income (TTM)$1.62B
Operating cash flow (TTM)$1.68B
CapEx (TTM)$229.80M
Free cash flow (TTM)CFO − CapEx$1.45B
Total assets$35.77B
Total liabilities$29.90B
Stockholders' equity$5.87B
Cash & equivalents$1.59B
Shares outstanding49.55M
EPS (basic)$5.47
EPS (diluted)$5.41
P/E ratio (TTM)7.80

TTM = trailing twelve months. Balance sheet items are point-in-time (latest filing).

Data quality

Latest filed date
2026-05-07
Latest period end
2026-05-01
Filing lag
9 days
Missing metrics
13(gross_profit, operating_income, cost_of_revenue, research_and_development, sga_expense, depreciation_and_amortization, current_assets, current_liabilities, inventory, accounts_receivable, accounts_payable, short_term_debt, ebitda)

Phase 3c — composite is the 8-pillar weighted score over quality, value, growth, momentum, health, profitability, technical, and risk. Sentiment + ML pillars land in Phases 5-6; until then their weight redistributes pro-rata. Fair price is the median of 6 valuation methods (Graham, P/E / P/B / EV-EBITDA multiples, RIM, DCF) with outliers above 5× current price excluded from the max. Risk-overlay flags annotate only — they suppress the entered-top-5 badge but do not modify the composite.