Assurant Valuation

AIZ Stock  USD 188.24  0.83  0.44%   
At this time, the firm appears to be overvalued. Assurant shows a prevailing Real Value of $154.86 per share. The current price of the firm is $188.24. Our model approximates the value of Assurant from analyzing the firm fundamentals such as Return On Equity of 0.14, current valuation of 9.98 B, and Profit Margin of 0.06 % as well as examining its technical indicators and probability of bankruptcy. In general, most investors favor acquiring undervalued instruments and dropping overvalued instruments since, at some point, asset prices and their ongoing real values will blend.
Price Book
1.9807
Enterprise Value
10 B
Price Sales
0.8751
Forward PE
11.2108
Trailing PE
15.6828
Overvalued
Today
188.24
Please note that Assurant's price fluctuation is very steady at this time. Calculation of the real value of Assurant is based on 3 months time horizon. Increasing Assurant's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Our valuation method for Assurant is useful when determining the fair value of the Assurant stock, which is usually determined by what a typical buyer is willing to pay for full or partial control of Assurant. Since Assurant is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Assurant Stock. However, Assurant's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  188.24 Real  154.86 Target  168.6 Hype  183.63 Naive  183.09
The real value of Assurant Stock, also known as its intrinsic value, is the underlying worth of Assurant Company, which is reflected in its stock price. It is based on Assurant's financial performance, assets, liabilities, growth prospects, management team, or industry conditions. The intrinsic value of Assurant's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Assurant's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
153.91
Downside
154.86
Real Value
201.60
Upside
Estimating the potential upside or downside of Assurant helps investors to forecast how Assurant stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Assurant more accurately as focusing exclusively on Assurant's fundamentals will not take into account other important factors:
Earnings
Estimates (0)
LowProjectedHigh
3.603.874.18
Details
Hype
Prediction
LowEstimatedHigh
182.68183.63184.58
Details
Potential
Annual Dividend
LowForecastedHigh
0.240.240.24
Details
6 Analysts
Consensus
LowTarget PriceHigh
153.43168.60187.15
Details

Assurant Investments

(806.4 Million)

Assurant Valuation Ratios as Compared to Competition

Comparative valuation techniques use various fundamental indicators to help in determining Assurant's current stock value. Our valuation model uses many indicators to compare Assurant value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Assurant competition to find correlations between indicators driving Assurant's intrinsic value. More Info.
Assurant is rated second in net asset category among related companies. It is number one stock in last dividend paid category among related companies . The ratio of Net Asset to Last Dividend Paid for Assurant is about  11,927,375,887 . Comparative valuation analysis is a catch-all model that can be used if you cannot value Assurant by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Assurant's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Assurant's earnings, one of the primary drivers of an investment's value.
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Assurant's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Assurant and how it compares across the competition.

About Assurant Valuation

The stock valuation mechanism determines the current worth of Assurant on a weekly basis. We use both absolute as well as relative valuation methodologies to arrive at the intrinsic value of Assurant. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Assurant based exclusively on its fundamental and basic technical indicators. By analyzing Assurant's financials, quarterly and monthly indicators, and its related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Assurant's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Assurant. We calculate exposure to Assurant's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to Assurant's related companies.
Last ReportedProjected for 2024
Gross Profit11.1 B9.3 B
Pretax Profit Margin 0.07  0.08 
Operating Profit Margin 0.06  0.06 
Net Profit Margin 0.06  0.03 
Gross Profit Margin 0.90  0.80 

Assurant Quarterly Retained Earnings

4.03 Billion

8 Steps to conduct Assurant's Valuation Analysis

Company's valuation is the process of determining the worth of any company in monetary terms. It estimates Assurant's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct Assurant's valuation analysis, follow these 8 steps:
  • Gather financial information: Obtain Assurant's financial statements, including balance sheets, income statements, and cash flow statements.
  • Determine Assurant's revenue streams: Identify Assurant's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
  • Analyze market data: Research Assurant's industry and market trends, including the size of the market, growth rate, and competition.
  • Establish Assurant's growth potential: Evaluate Assurant's management, business model, and growth potential.
  • Determine Assurant's financial performance: Analyze its financial statements to assess its historical performance and future potential.
  • Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
  • Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate Assurant's estimated value.
  • Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Note: This is a general outline, and different approaches and methods may be used depending on the type and size of the company being valued. We also recomment to seek professional assistance to ensure accuracy.
Assurant's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Assurant's value is low or high relative to the company's performance and growth projections. Determining the market value of Assurant can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Assurant represents a small ownership stake in the entity. As a stockholder of Assurant, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

Assurant Dividends Analysis For Valuation

Dividends Paid is likely to rise to about (144.7 M) in 2024. Dividend Yield is likely to drop to 0.00 in 2024. At this time, Assurant's Retained Earnings Total Equity is fairly stable compared to the past year. Price Earnings Ratio is likely to rise to about 14.8 M in 2024, whereas Retained Earnings are likely to drop slightly above 3.7 B in 2024.
Last ReportedProjected for 2024
Dividends Paid-152.3 M-144.7 M
Dividend Yield 0.00000002  0.00 
Dividend Payout Ratio 0.24  0.22 
Dividend Paid And Capex Coverage Ratio(22.67)(21.54)
There are various types of dividends Assurant can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Assurant shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Assurant directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Assurant pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Assurant by the value of the dividends paid out.

Assurant Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines. Note, investing in growth stocks can be very risky. If the company such as Assurant does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding53.8 T
Quarterly Earnings Growth Y O Y1.69
Forward Price Earnings11.2108

Assurant Current Valuation Indicators

Valuation refers to the process of determining the present value of Assurant and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Assurant we look at many different elements of the entity such as Assurant's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation. Assurant's valuation analysis is also a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Assurant's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Assurant, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Assurant's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Assurant's worth.
When determining whether Assurant offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Assurant's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Assurant Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Assurant Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Assurant. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in gross domestic product.
For more information on how to buy Assurant Stock please use our How to Invest in Assurant guide.
You can also try the Portfolio File Import module to quickly import all of your third-party portfolios from your local drive in csv format.

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When running Assurant's price analysis, check to measure Assurant's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Assurant is operating at the current time. Most of Assurant's value examination focuses on studying past and present price action to predict the probability of Assurant's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Assurant's price. Additionally, you may evaluate how the addition of Assurant to your portfolios can decrease your overall portfolio volatility.
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Is Assurant's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Assurant. If investors know Assurant will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Assurant listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
1.69
Dividend Share
2.82
Earnings Share
11.95
Revenue Per Share
208.242
Quarterly Revenue Growth
0.125
The market value of Assurant is measured differently than its book value, which is the value of Assurant that is recorded on the company's balance sheet. Investors also form their own opinion of Assurant's value that differs from its market value or its book value, called intrinsic value, which is Assurant's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Assurant's market value can be influenced by many factors that don't directly affect Assurant's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Assurant's value and its price as these two are different measures arrived at by different means. Investors typically determine if Assurant is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Assurant's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.