Assurant (AIZ) stock
Financials · Multi-line Insurance
Assurant (AIZ) is a Multi-line Insurance company in the Financials sector, headquartered in Atlanta, Georgia. As of October 23, 2026, AIZ closed at $284.75, a market capitalization of $14.04 billion, the 458th largest company in the S&P 500. Over the last twelve months it generated $13.46 billion in revenue (+9% year over year) and $1.66 billion in free cash flow. The stock trades at 13.6x trailing earnings and 12.1x forward earnings.
- 1-year total return: +36.5% (dividends reinvested)
- 5-year return: +13.3% a year
- 52-week range: $206.03 – $303.94
- Gross margin 13.3%, operating margin 11.7%
- Dividend yield: 1.24%, 21 straight years of increases
- FI Handbook report card: C+ across 10 metrics
- 71st largest of 76 Financials stocks in the S&P 500
AIZ price chart
1Y price change: +34.6% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| AIZ | +6.7% | +19.5% | +36.5% | +27.0% | +13.3% | +15.3% | +13.3% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 2004.
AIZ key statistics
- Market cap
- $14.0B
- #458 in S&P 500
- P/E (TTM)
- 13.6x
- Forward P/E
- 12.1x
- EPS (TTM)
- $20.89
- Revenue (TTM)
- $13.5B
- +9%
- Free cash flow
- $1.7B
- Gross margin
- 13.3%
- Operating margin
- 11.7%
- Return on equity
- 18.3%
- Dividend yield
- 1.24%
- 52-week range
- $206.03 – $303.94
- Beta
- 0.53
- Price / sales
- 1.0x
- EV / EBITDA
- 8.2x
- Debt / equity
- 0.36x
- Employees
- 14,800
AIZ report card
C+Ten fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth9.4%C
- Gross margin13.3%F
- Operating margin11.7%C
- FCF margin12.3%C
- Return on equity18.3%B
- Net debt / EBITDA0.1xB
- Forward P/E12.1xA
- PEG ratio2.2xD
- Shareholder yield3.4%B
- Share count change / yr-4.2%A
Assurant financials
Revenue went from $7.5B in fiscal 2016 to $12.8B in fiscal 2025, growing 6.1% a year.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.5B | $6.4B | $8.1B | $9.6B | $9.6B | $10.2B | $10.2B | $11.1B | $11.9B | $12.8B |
| Net income | $565.4M | $519.6M | $251.0M | $382.6M | $440.8M | $1.4B | $276.6M | $642.5M | $760.2M | $872.7M |
| EPS (diluted) | $9.13 | $9.39 | $3.98 | $5.84 | $6.98 | $22.66 | $5.05 | $11.95 | $14.46 | $16.93 |
| Free cash flow | $23.4M | $468.3M | $573.9M | $1.3B | $1.2B | $594.3M | $410.6M | $935.6M | $1.1B | $1.6B |
| Buybacks | $863.1M | $388.9M | $139.3M | $271.8M | $297.0M | $839.3M | $572.8M | $193.1M | $307.4M | $303.7M |
| Dividends paid | $125.3M | $119.0M | $133.8M | $151.4M | $154.6M | $157.6M | $150.2M | $152.3M | $155.9M | $168.4M |
| Diluted shares | 61.9M | 55.3M | 59.5M | 62.3M | 63.2M | 60.1M | 54.8M | 53.2M | 52.1M | 51.1M |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into AIZ?
A reverse DCF asks what growth the current price requires. With an enterprise value of $14.2B and $1.7B of trailing free cash flow, Assurant needs to grow free cash flow about -9.8% a year for ten years (fading to 3.0% terminal growth) to earn a 10% annual return. For context, free cash flow grew 5.5% a year over the last five years.
P/E ratio history
Current 16.8x vs. median 11.7x (10th–90th percentile 6.8x–30.0x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
AIZ dividend
- Dividend yield
- 1.24%
- Annual dividend
- $3.52
- Years of increases
- 21
- 5-yr dividend growth
- 5.2%
- per year
- Payout ratio
- 16%
- Payments per year
- 4
Regular dividends per share by calendar year; special dividends excluded. Current year omitted until complete.
AIZ earnings
Next report: November 3, 2026. Assurant has beaten EPS estimates 8 quarters in a row. Last quarter's revenue was $3.5B (+9% year over year).
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Aug 4, 2026 | $5.18 | $6.41 | +23.7% |
| May 5, 2026 | $5.33 | $5.95 | +11.7% |
| Feb 10, 2026 | $5.50 | $5.61 | +1.9% |
| Nov 4, 2025 | $4.28 | $5.73 | +34.0% |
| Aug 5, 2025 | $4.45 | $5.10 | +14.5% |
| May 6, 2025 | $2.78 | $3.39 | +22.1% |
| Feb 11, 2025 | $4.13 | $4.79 | +15.9% |
| Nov 5, 2024 | $2.64 | $3.00 | +13.6% |
Stocks like AIZ
| Name | Today | 1Y | Mkt cap | P/E | |
|---|---|---|---|---|---|
 AIG American International Group, I | -2.13% | +6% | $42.5B | 14.9x | Compare |
 L Loews | -1.47% | +12% | $22.9B | 13.7x | Compare |
 BRK-B Berkshire Hathaway | -0.87% | +11% | $1.2T | 13.6x | Compare |
 JPM JP Morgan Chase | -1.47% | +15% | $880.5B | 13.9x | Compare |
 V Visa | -1.55% | +19% | $765.8B | 34.7x | Compare |
 MA Mastercard | -1.52% | +9% | $546.3B | 34.3x | Compare |
 BAC Bank of America | -1.02% | -0% | $350.0B | 12.1x | Compare |
 MS Morgan Stanley | -2.44% | +15% | $280.9B | 14.2x | Compare |
AIZ news
- Should Value Investors Buy Assurant (AIZ) Stock? · Oct 19, 2026
- Earnings Preview: What to Expect From Assurant Report · Oct 18, 2026
- 1 Profitable Stock with Impressive Fundamentals and 2 Facing Headwinds · Oct 12, 2026
- Are Finance Stocks Lagging Assurant (AIZ) This Year? · Oct 9, 2026
- The Zacks Analyst Blog Highlights The Progressive, Chubb, The Travelers, Assurant and Root · Oct 9, 2026
AIZ stock FAQ
What is AIZ's market cap?
Assurant's market capitalization is $14.04 billion as of October 23, 2026, ranking 458th in the S&P 500.
What is AIZ's P/E ratio?
AIZ trades at a trailing price-to-earnings ratio of 13.6x and a forward P/E of 12.1x. Its median P/E over the period we track is 11.7x.
Does AIZ pay a dividend?
Yes. Assurant pays $3.52 per share a year, a 1.24% yield. It has raised its dividend 21 years in a row. Dividends grew 5.2% a year over the last five years.
How much has AIZ stock returned?
Including reinvested dividends, AIZ returned +36.5% over one year, +13.3% a year over five years, +15.3% a year over ten years through October 23, 2026.
Is AIZ stock overvalued?
At today's price, a reverse discounted cash flow model (10% discount rate, 3% terminal growth) implies Assurant must grow free cash flow about -10% a year for the next decade. Its free cash flow grew 6% a year over the last five years. Whether that is achievable decides if the stock is cheap or expensive. This is a model, not advice.
When does AIZ report earnings?
Assurant is expected to report earnings on November 3, 2026. It has beaten EPS estimates 8 quarters in a row.
How many employees does Assurant have?
Assurant has about 14,800 full-time employees, or $909,203 of revenue per employee.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology