Debt-to-Equity Ratio
Higher than 48% of Financial Services sector peers
Updated 20h ago
Sector Performance
48th percentileAIZ
0.38x
Sector Median
0.41x
Sector Avg
0.70x
Deep Analysis
A company’s debt-to-equity ratio compares its total liabilities to shareholders’ equity, measuring how much debt it uses to finance its operations.
At 0.38x, Assurant carries relatively low leverage, meaning it relies more on equity than borrowed money. This ratio sits below the Financial Services sector median of 0.43x and places the company in the 45th percentile among its peers, indicating a slightly more conservative capital structure. The metric has been perfectly stable: the year-over-year change is +0.0% and the quarter-over-quarter change is also +0.0%, with the same 0.38x value recorded for each of the last eight quarters. The combination of a low, steady debt level implies minimal financial risk from leverage, but also no recent improvement or deterioration in capital structure. This stability and conservative positioning align with the overall NEUTRAL verdict, as the metric does not signal a clear strength or weakness that would push the rating higher or lower.
Frequently Asked Questions
What does the Debt-to-Equity Ratio tell investors about AIZ?
Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.
How is the Debt-to-Equity Ratio calculated?
Debt-to-Equity Ratio is calculated as: Total Debt / Shareholders' Equity.
How does AIZ's Debt-to-Equity Ratio compare to its sector?
AIZ's Debt-to-Equity Ratio of 0.38x compares to a Financial Services sector median of 0.41x, placing it in the 48th percentile.
Who are AIZ's closest peers by Debt-to-Equity Ratio?
The closest Financial Services peers by Debt-to-Equity Ratio include: RJF (0.43x), SPGI (0.44x), COF (0.45x), AFL (0.35x), RF (0.34x).
The Formula
Total Debt / Shareholders' Equity
Why It Matters
Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.
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0.38x
Sector Median
0.41x
Sector Avg
0.70x
How AIZ's Debt-to-Equity Ratio compares to sector peers.
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Not financial advice. Research tool only. Data may be delayed.