Assurant, Inc. (AIZ)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Assurant as a specialized protection-services insurer, selling device, home, auto and credit-related coverage through distribution relationships that can be sticky. It is not a wide-moat franchise, but scale and niche underwriting should earn decent returns. Filed figures show revenue rising from $11.1B in fiscal year 2023, ended 2023-12-31, to $12.8B in fiscal year 2025, ended 2025-12-31; net income rose from $642.5M to $872.7M and diluted EPS from $11.95 to $16.93. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $3.5B, net income $298.6M and diluted EPS $5.95, versus $3.2B, $235.3M and $4.56 in fiscal Q2 2025, the quarter ended 2025-06-30. At the $287.15 close on 2026-10-26, FairStock calculations show a P/E of 13.75, P/B of 2.33, PEG of 0.51, ROE of 18.34% and D/E of 0.36; the Piotroski F-score is 7/9 and FairStock Score 67/100. That mix suggests good profitability and modest leverage, with a price that is not demanding but not deeply discounted on book value. The weak spot is disclosure for an insurer: combined ratio, CET1 and NIM are not in the data, so underwriting and credit risk cannot be fully judged. ROCE of 2.56% also looks low under FairStock's calculation. I would require evidence that underwriting margins and reserves remain sound as revenue growth moderates.

In plain English: Assurant sells protection plans and insurance for phones, homes, cars and similar items. The business looks solid: sales and profit have been rising, and it earns strong profits on the money invested in it. At the recent price, the shares look fair to modestly cheap compared with those profits, though not a bargain-bin situation.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer