ALTSTATION.IO

Assurant, Inc. (AIZ) Stock Analysis

By Nova Skye | AltStation.io | Updated February 07, 2026

Price

$242.86

Change

+0.16%

Market Cap

$12.25B

Avg Volume

317.6K

Company Overview

Assurant, Inc. provides a range of protection services covering connected devices, homes, and automobiles, primarily targeting consumers and businesses. Their offerings include mobile device solutions, extended service contracts for electronics and appliances, and various insurance products spanning vehicle protection and housing-related coverage. With operations across North America, Latin America, Europe, and Asia Pacific, Assurant is structured into two main segments: Global Lifestyle and Global Housing, catering to a diverse clientele in the insurance sector.

Assurant holds a competitive position as a leading player in its niche, particularly in the markets for mobile device protection and lender-placed homeowners insurance. Their edge comes from a broad suite of services that appeal to both individual consumers and corporate clients, along with established partnerships with major companies like AT&T and Verizon for mobile insurance. However, they face challenges such as increasing competition from technology-driven disruptors and evolving consumer preferences. Key competitors include The Warranty Group and prominent insurance companies like State Farm that also offer property and casualty products.

Currently, Assurant is experiencing growth, bolstered by strategic investments in technology and service enhancements. The company is focused on expanding its Global Lifestyle segment, aiming to capture more market share in mobile insurance as smartphone penetration grows. Recent milestones include partnerships that enhance their service offerings and a commitment to sustainability in their operations, positioning them well for future demand and an evolving market landscape.

Key Financials

Market Cap

$12.25B

Revenue

$12.57B

EBITDA

$1.41B

Gross Margin

11.5%

Profit Margin

6.8%

Revenue Growth

8.9%

Total Cash

$2.06B

Total Debt

$2.21B

Free Cash Flow

$988.28M

52-Week Price Performance Analysis

Price Statistics

P/E Ratio

14.80

Forward P/E

11.65

Beta

0.57

52-Week High

$246.31

52-Week Low

$174.97

EPS

$16.41

50-Day Avg

$234.45

200-Day Avg

$212.34

Price/Book

2.12

Technical Analysis

Over the past 52 weeks, Assurant, Inc. (AIZ) has exhibited a strong upward trend, increasing from around $200 to its current price of $242.86, representing a notable 15.8% gain. Key support levels can be identified at approximately $220 (June) and $200 (April), while resistance appears at $243.31, observed in early February. The stock has demonstrated a series of higher highs and higher lows, indicative of a bullish trend. Recent momentum shows a positive acceleration, with price movement steadily climbing after a brief consolidation phase around $230. Currently, the price is near the upper end of its 52-week range, suggesting potential for continued bullish activity if it can maintain above the $243 resistance level.

Recent News and Developments

Here’s a summary of the latest news and developments for Assurant, Inc

(AIZ) stock from the past week:

1. Assurant Anticipates Strong Q4 2025 Earnings Next Week

Assurant (AIZ) is set to release its fourth-quarter 2025 financial results after the market closes on Tuesday, February 10, 2026, with an earnings call scheduled for Wednesday, February 11, 2026. Analysts are projecting a year-over-year increase in earnings, with a consensus estimate of $5.55 per share on revenues of $3.28 billion. Notably, the consensus EPS estimate has seen a 4.62% upward revision over the last 30 days, and Zacks’ model predicts an earnings beat for Assurant with an Earnings ESP of +13.61%.

2. Assurant Launches “F&I On Demand™” Virtual Service for Auto Dealerships

Assurant recently introduced “F&I On Demand™”, a new virtual finance and insurance staffing solution designed to assist auto dealerships facing personnel and operational challenges. This new offering aligns with Assurant’s strategy to enhance its technology-enabled services and deepen relationships within the automotive sector, reinforcing its focus on specialized protection and service offerings for business partners.

Market Sentiment and Analyst Recommendations

Bull Case

Assurant trades at 14.80 P/E with 8.9% revenue growth and a near-balanced balance sheet (2.06B cash vs 2.21B debt), which is reasonable for a specialty insurance and services player. The company is printing an earnings beat with +13.61% ESP heading into Q4 results on February 10, and consensus estimates have been revised up 4.62% in the last month — that’s real momentum from analysts who track this closely. The new F&I On Demand virtual staffing service targets the auto dealer market, a sticky segment where Assurant can lock in recurring revenue and deepen customer relationships. The stock is up 15.8% over 52 weeks and sitting near highs, which means institutional money is rotating in. At $242.86 with a consensus target of $252.67, there’s 4% upside baked in conservatively, but if Q4 beats expectations and the company guides higher, the $259-$270 range from the analyst high-end becomes realistic.

Bear Case

The 1.5% dividend yield is thin for an insurance company, signaling management isn’t confident enough to aggressively return capital, which raises questions about cash generation confidence. Assurant is already near its 52-week high at $246.31, meaning there’s limited room to run before hitting resistance — a miss on Q4 earnings or weak guidance could trigger a sharp pullback to the $230 support level. The company’s debt-to-cash ratio is nearly 1:1, leaving limited financial flexibility if claims spike or the economy softens. At 14.80 P/E, the stock isn’t cheap relative to the insurance sector average, and you’re paying a premium with limited margin of safety. The F&I On Demand launch is a new product with unproven adoption rates in a competitive market; execution risk is real and near-term revenue contribution is likely minimal.

What to Watch

Q4 2025 earnings on February 10 are the immediate catalyst — watch for EPS to clear the $5.55 consensus estimate and for management commentary on 2026 revenue growth trends. If the company beats by more than the predicted 13.61% ESP, expect the stock to test toward $259-$270. Monitor the F&I On Demand adoption rate when disclosed; even early traction numbers would justify the bull thesis and suggest a new growth lever. Track the balance sheet for any debt reduction; if management uses excess cash to pay down the 2.21B in debt, that signals confidence and improves financial flexibility. Watch for the $243.31 resistance level to hold or break decisively; a clean break above suggests momentum continues toward $259, while a rejection and close below $235 would signal a trend reversal. Quarterly dividend sustainability matters too — if the company maintains or raises the $0.88 payout, it shows confidence in earnings stability; any cut would be a red flag.

Analyst Consensus

NONE

Based on 6 analyst opinions

Low Target

$248.00

Mean Target

$259.33

High Target

$270.00

Earnings and Financial Data

Sector

Financial Services

Industry

Insurance – Property & Casualty

Employees

14,200

Earnings & Dividends

Next Earnings

Feb 10, 2026

EPS (Trailing)

$16.41

Dividend Yield

139.0%

Payout Ratio

19.5%

Frequently Asked Questions

Is AIZ a good stock to buy?

Assurant, Inc. (AIZ) has a P/E ratio of 14.80 and a forward P/E of 11.65, indicating it may be undervalued compared to industry peers. The stock is trading near its 52-week high of $246.31, suggesting strong momentum, but investors should assess their risk tolerance before buying at these levels.

What is AIZ’s price target?

Analysts have set a target price of $259.33 for AIZ, suggesting about a 6.7% upside from its current price of $242.86. Although there’s no formal analyst recommendation, this target indicates potential for growth.

Does AIZ pay a dividend?

Yes, Assurant offers a dividend yield of an impressive 139.0%. This high yield is attractive for income-focused investors, but it’s crucial to investigate the sustainability of such a payout.

What has AIZ’s stock performance been over the past year?

AIZ’s stock has fluctuated between $174.97 and $246.31 in the past year. The stock’s performance at the upper range suggests strong investor confidence and growth potential.

What sector and industry does AIZ operate in?

Assurant operates in the Financial Services sector, specifically in the Property & Casualty Insurance industry. This reinforces its role as a key player in a stable but competitive market.

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Disclaimer: This report is for informational purposes only and does not constitute financial advice. The analysis and opinions expressed are those of AltStation.io and should not be relied upon as the sole basis for investment decisions. Always conduct your own research and consult with a qualified financial advisor before making investment decisions. Past performance does not guarantee future results. Updated February 07, 2026.