# Assurant, Inc. (AIZ) — Stock CV

Assurant, Inc. is a $13.1B financial services company. Revenue grew 9.4% over the last year, and it keeps 8¢ of every dollar of sales as profit. It trades at 12.4× earnings — in the cheapest third of its own history.

> Assurant Inc is a protection company that partners with the brands to safeguard and service connected devices, homes and automobiles. It operate in North America, Latin America, Europe and Asia Pacific through two operating segments: Global Lifestyle and Global Housing.

## Identity

- **Ticker**: AIZ
- **Sector**: Financial Services
- **Industry**: Insurance Carriers, Nec
- **Headquarters**: ATLANTA, GA
- **Employees**: 14 800
- **Website**: https://www.assurant.com
- **Market cap**: $13.1B
- **Last price**: $266.49
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $13.5B
- **Net income**: $1.06B
- **Free cash flow**: $1.66B
- **P/E**: 12.4
- **Revenue growth (YoY)**: 9.4%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 95 |
| Growth | 37 |
| Profitability | 70 |
| Health | 28 |
| Quality | 90 |
| Moat | 57 |

## Qualifications (beginner checklist) — 9 of 11 passed

- [x] Revenue growing — +9.4% YoY
- [x] Profitable — $1.06B TTM
- [x] Profit growing — +50.3% YoY
- [x] Generates cash — $1.66B TTM
- [ ] Debt under control — current ratio 0.00
- [x] Established company — $13.1B market cap
- [x] Not printing shares — -19.1% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — Altman Z 0.5 — distress
- [x] Pays a dividend — yield 1.34%
- [x] Valuation not extreme — P/E 12.4

## Experience (career milestones)

- **FY2021** — Best year on record: $1.37B net income
- **FY2019** — Revenue crossed $10B: $10.1B for the year
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $7.53B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## Strengths

- Could repay net debt from ~0.3 years of free cash flow
- Interest covered 10.9× by operating earnings
- High returns on invested capital (ROIC 26.2%)

## Watch-outs

- Altman Z-Score 0.46 — elevated financial-distress risk

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $10.2B | $1.37B | $594M |
| FY2022 | $10.2B | $277M | $411M |
| FY2023 | $11.1B | $643M | $936M |
| FY2024 | $11.9B | $760M | $1.11B |
| FY2025 | $12.8B | $873M | $1.60B |

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Source: https://stockcv.com/AIZ — derived from company filings; may be delayed or incomplete. Information, not investment advice.