Assurant Inc (AIZ) Stock Analysis
Verdict: BUY
Capital-light mobile protection growth and a 4-quarter beat streak offset property catastrophe risks, supporting a modest valuation.
Investment score: 69/100
Analysis as of
Is Assurant Inc stock worth reviewing? The TradeMates thesis
Assurant presents an attractive buying opportunity following a 6.1% 5-day correction to 265 USD. Strong earnings execution (Q2 2026 EPS of 6.41 USD vs 5.23 USD expected), expansion in high-margin mobile trade-in/protection services, and low financial leverage (Net Debt/EBITDA 0.30x) outweigh cyclical risks in housing coverage.
7-factor investment score
- Valuation: 60/100 (weight 20%)
- Financial Health: 85/100 (weight 15%)
- Technical Momentum: 55/100 (weight 15%)
- Earnings Quality: 90/100 (weight 15%)
- Insider Sentiment: 30/100 (weight 10%)
- Analyst Consensus: 85/100 (weight 10%)
- Risk-Adjusted Return: 75/100 (weight 15%)
Assurant Inc opportunities and risks
What speaks for AIZ
- Mobile device trade-in program expansion and longer smartphone replacement cycles drive recurring high-margin fee revenue.
What speaks against AIZ
- Exposure to severe weather events and catastrophe losses in the Global Housing division.
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| AIZ | 12.8x | 1.0x | 8.2x | 78.1% | 7.9% | 12.3% |
| HIG | 8.4x | 1.2x | 8.1x | 43.9% | 15.0% | 16.3% |
| WRB | 15.0x | 1.5x | 11.2x | 44.8% | 10.7% | 12.8% |
| CINF | 7.8x | 1.8x | 5.6x | 52.3% | 23.8% | 13.4% |
| L | 13.3x | 1.2x | 8.6x | 47.0% | 10.4% | 9.1% |
| MKL | 9.8x | 1.3x | 7.0x | 62.3% | 13.2% | 9.6% |
| Peer median | 9.8x | 1.3x | 8.1x | 47.0% | 13.2% | 12.8% |
Frequently asked questions about Assurant Inc (AIZ)
Is AIZ stock a good investment?
The TradeMates model rates Assurant Inc as BUY with an investment score of 69/100. Assurant presents an attractive buying opportunity following a 6.1% 5-day correction to 265 USD. Strong earnings execution (Q2 2026 EPS of 6.41 USD vs 5.23 USD expected), expansion in high-margin mobile trade-in/protection services, and low financial leverage (Net Debt/EBITDA 0.30x) outweigh cyclical risks in housing coverage. This is algorithmic model output, not personal investment advice.
Is AIZ stock a buy?
The TradeMates model verdict for AIZ is BUY with an investment score of 69/100. Treat this as a model signal to review, not a personal buy recommendation.