Assurant, Inc.AIZ
NYSE • Financial Services
$219.40
P/E
12.82
PEG
0.01
FCF Yield
—
Rev Growth YoY
+792.0% YoY
Gross Margin
—
Health Score
6/10
D/E Ratio
0.38
Confidence
LOW
Business Snapshot
Assurant, Inc. is a specialty insurance provider operating primarily in the United States and internationally, offering connected living, global housing, and global lifestyle protection products. The company serves clients in markets including mobile device protection, renters insurance, and lender-placed homeowners insurance. Based on the available valuation ratios and current price of $219.40, Assurant falls within the mid-to-large cap tier of the specialty insurance industry on the NYSE.
Financial Health
**Score: 6/10** Assurant's balance sheet shows conservative leverage with a debt-to-equity ratio of just 0.38x, which is a clear positive for financial stability. However, the current ratio of 0.03x is extremely low, signalling that short-term liquid assets are a fraction of current liabilities — a notable concern in a stress scenario...
Risk Assessment
- **DATA INTEGRITY: Revenue growth of 792% YoY and net margin of 681% are statistical outliers for an insurance company and likely reflect base-period distortions or one-time items, making headline growth metrics unreliable.** - **LIQUIDITY: Current ratio of 0.03x is critically low, indicating short-term liabilities far exceed liquid assets — a potential vulnerability in a financial stress or claims-surge scenario.** - **CASH FLOW TRANSPARENCY: Free cash flow is unavailable, preventing assessment of the company's ability to sustain dividends, buybacks, or debt repayment without external financing.** - **TECHNICAL MOMENTUM: Price is 1.9% below the 50-day moving average of $223.51, and MACD signal is bearish, suggesting near-term downward price pressure.** - **SENTIMENT HEADWINDS: An institutional investor (Aberdeen Group) has reduced its stake in AIZ, and Zacks Research has published a pessimistic view on Q2 earnings, adding soft-signal caution to the near-term outlook.** ---...