USD 211.59
| ticker | 1 day return % | 1 week return % | 1 month return % | 3 months return % | 6 months return % | 1 year return % | 3 years return % | 5 years return % | 10 years return % | maximum return % |
|---|---|---|---|---|---|---|---|---|---|---|
| AIZ | -0.0 | 4.5 | -0.7 | 6.8 | 23.1 | 27.4 | 38.6 | 58.2 | 228.3 | 756.6 |
| S&P 500 | 1.0 | 1.8 | -0.9 | 2.7 | 7.3 | 26.5 | 31.0 | 80.1 | 196.5 | 33856.2 |
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| Attribute | Value |
|---|---|
| symbol | AIZ |
| name | Assurant, Inc. |
| price | 211.59 |
| changes percentage | -0.0425 |
| change | -0.09 |
| day low | 210.7925 |
| day high | 213.65 |
| year high | 230.55 |
| year low | 160.12 |
| market cap | 10851900966 |
| price avg 50 | 214.4998 |
| price avg 200 | 188.932 |
| exchange | NYSE |
| volume | 219941 |
| avg volume | 348004 |
| open | 211.54 |
| previous close | 211.68 |
| eps | 13.99 |
| pe | 15.12 |
| earnings announcement | 2025-02-11T21:00:00.000+0000 |
| shares outstanding | 51287400 |
| timestamp | 2025-01-17 21:00:02 |
We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001267238 | |||
| revenue | 11131600000 | 10193000000 | 9.21 |
| gross profit | 11131600000 | 10193000000 | 9.21 |
| gross profit ratio | 1 | 1 | 0.00 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 11131600000 | 7366300000 | 51.12 |
| interest income | 0 | 108300000 | -100.00 |
| interest expense | 108000000 | 108300000 | -0.28 |
| ebitda | 1122200000 | 639000000 | 75.62 |
| ebitdaratio | 0.1 | 0.06 | 60.51 |
| operating income | 642500000 | 458200000 | 40.22 |
| operating income ratio | 0.06 | 0.04 | 28.40 |
| net income | 642500000 | 276600000 | 132.28 |
| net income ratio | 0.06 | 0.03 | 112.70 |
| eps | 12.02 | 5.09 | 136.15 |
Revenue Growth: revenue increased to 11,132 million in 2023 from 10,193 million in 2022 representing a change of 9.21%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 11,132 million in 2023 from 10,193 million in 2022 representing a change of 9.21%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Expenses: Operating Expenses decreased to 11,132 million in 2023 from 7,366 million in 2022 representing a change of 51.12%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
Operating Income: Operating income increased to 642 million in 2023 from 458 million in 2022 representing a change of 40.22%. The increase in operating income indicates better operational performance and increased profitability.
Net Income: Net income increased to 642 million in 2023 from 277 million in 2022 representing a change of 132.28%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to 12.02 in 2023 from 12.02 in 2022 representing a change of 136.15%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 1,122 million in 2023 from 639 million in 2022 representing a change of 75.62%. The decrease in EBITDA indicates declined operational efficiency and profitability.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001267238 | |||
| revenue | 2967700000 | 2924900000 | 1.46 |
| gross profit | 2967700000 | 2924900000 | 1.46 |
| gross profit ratio | 1 | 1 | 0.00 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 2012700000 | 1969200000 | 2.21 |
| interest income | 0 | 0 | NaN |
| interest expense | 26700000 | 26700000 | 0.00 |
| ebitda | 0 | 310100000 | -100.00 |
| ebitdaratio | 0 | -0.01 | 100.00 |
| operating income | 0 | 259600000 | -100.00 |
| operating income ratio | 0 | 0.09 | -100.00 |
| net income | 133800000 | 188700000 | -29.09 |
| net income ratio | 0.05 | 0.06 | -30.12 |
| eps | 2.56 | 3.59 | -28.69 |
Revenue Growth: revenue increased to 2,968 million in 2024Q3 from 2,925 million in 2024Q2 representing a change of 1.46%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 2,968 million in 2024Q3 from 2,925 million in 2024Q2 representing a change of 1.46%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Expenses: Operating Expenses increased to 2,013 million in 2024Q3 from 1,969 million in 2024Q2 representing a change of 2.21%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 0 million in 2024Q3 from 310 million in 2024Q2 representing a change of -100.0%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Operating Income: Operating income decreased to 0 million in 2024Q3 from 260 million in 2024Q2 representing a change of -100.0%. The decrease in operating income indicates worse operational performance and decreased profitability.
Net Income: Net income decreased to 134 million in 2024Q3 from 189 million in 2024Q2 representing a change of -29.09%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to 2.56 in 2024Q3 from 2.56 in 2024Q2 representing a change of -28.69%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001267238 | |||
| total assets | 33635200000 | 33123800000 | 1.54 |
| total liabilities | 28825700000 | 28895100000 | -0.24 |
| total equity | 4809500000 | 4228700000 | 13.73 |
| cash and cash equivalents | 1627400000 | 1536700000 | 5.90 |
| short term investments | 6912100000 | 6439200000 | 7.34 |
| long term investments | 499000000 | 6720500000 | -92.57 |
| total current assets | 10805100000 | 10226800000 | 5.65 |
| total non current assets | 22579800000 | 3887000000 | 480.91 |
| total current liabilities | 542800000 | 4238400000 | -87.19 |
| total non current liabilities | 28282899999 | 4238400000 | 567.30 |
| common stock | 600000 | 600000 | 0.00 |
| retained earnings | 4028200000 | 5214900000 | -22.76 |
| total debt | 2080400000 | 2129900000 | -2.32 |
Total Assets: Total Assets increased to 33,635 million in 2023 from 33,124 million in 2022 representing a change of 1.54%. Suggesting a growth in asset holdings.
Total Liabilities: Total Liabilities decreased to 28,826 million in 2023 from 28,895 million in 2022 representing a change of -0.24%. This indicates a decrease in overall liabilities.
Total Equity: Total Equity increased to 4,810 million in 2023 from 4,229 million in 2022 representing a change of 13.73%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 1,627 million in 2023 from 1,537 million in 2022 representing a change of 5.9%. This indicates an increase in available liquid assets.
Short Term Investments: Short Term Investments increased to 6,912 million in 2023 from 6,439 million in 2022 representing a change of 7.34%. This indicates an increase in short-term investment holdings.
Total Current Assets: Total Current Assets increased to 10,805 million in 2023 from 10,227 million in 2022 representing a change of 5.65%. This indicates a better liquidity position.
Total Current Liabilities: Total Current Liabilities decreased to 543 million in 2023 from 4,238 million in 2022 representing a change of -87.19%. This indicates a lower short-term debt burden.
Total Debt: Total Debt decreased to 2,080 million in 2023 from 2,130 million in 2022 representing a change of -2.32%. This indicates a reduction in overall debt burden.
Retained Earnings: Retained Earnings decreased to 4,028 million in 2023 from 5,215 million in 2022 representing a change of -22.76%. This indicates an accumulated losses.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001267238 | |||
| total assets | 35332300000 | 27045100000 | 30.64 |
| total liabilities | 30077000000 | 22040800000 | 36.46 |
| total equity | 5255300000 | 5004300000 | 5.02 |
| cash and cash equivalents | 1813400000 | 1713100000 | 5.85 |
| short term investments | 7596100000 | 439400000 | 1628.74 |
| long term investments | 1375100000 | 7688800000 | -82.12 |
| total current assets | 11192100000 | 4087200000 | 173.83 |
| total non current assets | 4742500000 | 22957899999 | -79.34 |
| total current liabilities | 4087000000 | -3632000000 | 212.53 |
| total non current liabilities | 29550800000 | 25672800000 | 15.11 |
| common stock | 500000 | 500000 | 0.00 |
| retained earnings | 4321500000 | 4309700000 | 0.27 |
| total debt | 2082500000 | 2081800000 | 0.03 |
Total Assets: Total Assets increased to 35,332 million in 2024Q3 from 27,045 million in 2024Q2 representing a change of 30.64%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 5,255 million in 2024Q3 from 5,004 million in 2024Q2 representing a change of 5.02%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 1,813 million in 2024Q3 from 1,713 million in 2024Q2 representing a change of 5.85%. This indicates an increase in available liquid assets.
Short Term Investments: Short Term Investments increased to 7,596 million in 2024Q3 from 439 million in 2024Q2 representing a change of 1628.74%. This indicates an increase in short-term investment holdings.
Total Current Assets: Total Current Assets increased to 11,192 million in 2024Q3 from 4,087 million in 2024Q2 representing a change of 173.83%. This indicates a better liquidity position.
Retained Earnings: Retained Earnings increased to 4,322 million in 2024Q3 from 4,310 million in 2024Q2 representing a change of 0.27%. This indicates an accumulated profits.
Total Liabilities: Total Liabilities increased to 30,077 million in 2024Q3 from 22,041 million in 2024Q2 representing a change of 36.46%. This indicates an increase in overall liabilities.
Total Current Liabilities: Total Current Liabilities increased to 4,087 million in 2024Q3 from -3,632 million in 2024Q2 representing a change of 212.53%. This indicates a higher short-term debt burden.
Total Debt: Total Debt increased to 2,082 million in 2024Q3 from 2,082 million in 2024Q2 representing a change of 0.03%. This indicates an increase in overall debt burden.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001267238 | |||
| net change in cash | 90700000 | -518100000 | 117.51 |
| operating cash flow | 1138100000 | 596900000 | 90.67 |
| free cash flow | 935600000 | 410600000 | 127.86 |
| capital expenditure | -202500000 | -186300000 | -8.70 |
| depreciation and amortization | 196400000 | 182000000 | 7.91 |
| deferred income tax | -108500000 | 63800000 | -270.06 |
| stock based compensation | 75100000 | 62600000 | 19.97 |
| accounts payables | -68500000 | 11000000 | -722.73 |
| inventory | 0 | 0 | NaN |
| acquisitions net | -300000 | -67700000 | 99.56 |
| investments in property plant and equipment | -202500000 | -186300000 | -8.70 |
| net cash used for investing activites | -637700000 | -262100000 | -143.30 |
| debt repayment | -51800000 | -75900000 | 31.75 |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | -193100000 | -572800000 | 66.29 |
| dividends paid | -152300000 | -150200000 | -1.40 |
| net cash used provided by financing activities | -403900000 | -818400000 | 50.65 |
| cash at end of period | 1627400000 | 1536700000 | 5.90 |
| accounts receivables | 466200000 | -1275100000 | 136.56 |
| cash at beginning of period | 1536700000 | 2054800000 | -25.21 |
Net Change in Cash: Net Change in Cash increased to 91 million in 2023 from -518 million in 2022 representing a change of 117.51%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow increased to 1,138 million in 2023 from 597 million in 2022 representing a change of 90.67%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 936 million in 2023 from 411 million in 2022 representing a change of 127.86%. This indicates an increase in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure decreased to -202 million in 2023 from -186 million in 2022 representing a change of -8.7%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.
Stock-Based Compensation: Stock-Based Compensation increased to 75 million in 2023 from 63 million in 2022 representing a change of 19.97%. This indicates increased expenses, which is generally considered a negative sign from a financial perspective.
Accounts Payables: The absolute value of Accounts Payables increased to 68 million in 2023 from 11 million in 2022 representing a change of -722.73%. This indicates that the company has increased its outstanding obligations to its suppliers.
Accounts Receivables: Accounts Receivables increased to 466 in 2023 from -1,275 million in 2022 representing a change of 136.56%. This suggests that the company is less capable of collecting payments from its customers.
Dividends Paid: Dividends Paid decreased to -152 million in 2023 from -150 million in 2022 representing a change of -1.4%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001267238 | |||
| operating cash flow | 436500000 | 710900000 | -38.60 |
| free cash flow | 542700000 | 655500000 | -17.21 |
| capital expenditure | 106200000 | -55400000 | 291.70 |
| depreciation and amortization | 58500000 | 50500000 | 15.84 |
| deferred income tax | 197400000 | 2900000 | 6706.90 |
| stock based compensation | 23700000 | 20100000 | 17.91 |
| accounts receivables | 39700000 | 25900000 | 53.28 |
| accounts payables | 0 | 81400000 | -100.00 |
| inventory | 0 | 0 | NaN |
| acquisitions net | -800000 | -1900000 | 57.89 |
| investments in property plant and equipment | 106200000 | -55400000 | 291.70 |
| net cash used for investing activites | -207200000 | -193400000 | -7.14 |
| debt repayment | 0 | 0 | NaN |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | -99400000 | -41600000 | -138.94 |
| dividends paid | -37500000 | -39900000 | 6.02 |
| net cash used provided by financing activities | -140800000 | -80800000 | -74.26 |
| net change in cash | 100300000 | 431200000 | -76.74 |
| cash at end of period | 1813400000 | 1713100000 | 5.85 |
| cash at beginning of period | 1713100000 | 1281900000 | 33.64 |
Net Change in Cash: Net Change in Cash decreased to 100 million in 2024Q3 from 431 million in 2024Q2 representing a change of -76.74%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow decreased to 436 million in 2024Q3 from 711 million in 2024Q2 representing a change of -38.6%. This indicates that the company generated less cash from its core business operations.
Free Cash Flow: Free Cash Flow decreased to 543 million in 2024Q3 from 656 million in 2024Q2 representing a change of -17.21%. This indicates a decrease in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure increased to 106 million in 2024Q3 from -55 million in 2024Q2 representing a change of 291.7%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Deferred Income Tax: Deferred Income Tax increased to 197 million in 2024Q3 from 3 million in 2024Q2 representing a change of 6706.9%. This indicates that the company's tax liability for future periods has increased.
Stock-Based Compensation: Stock-Based Compensation increased to 24 million in 2024Q3 from 20 million in 2024Q2 representing a change of 17.91%. This indicates increased expenses, which is generally considered a negative sign from a financial perspective.
Accounts Receivables: Accounts Receivables increased to 40 in 2024Q3 from 26 million in 2024Q2 representing a change of 53.28%. This suggests that the company is less capable of collecting payments from its customers.
Accounts Payables: The absolute value of Accounts Payables decreased to 0 million in 2024Q3 from 81 million in 2024Q2 representing a change of -100.0%. This indicates that the company has reduced its outstanding obligations to its suppliers.
Dividends Paid: Dividends Paid increased to -38 million in 2024Q3 from -40 million in 2024Q2 representing a change of 6.02%. This indicates a stronger financial position, more confidence in future prospects, and a better commitment to returning value to shareholders.
We save you time by utilizing Generative AI to summarize earnings transcripts. Our summaries provide a clear insight into the company's current performance, future outlook, and overall sentiment expressed during the call. Click on below links to explore more.
Note: The years mentioned below are fiscal years in accounting.
Q3 2024 Earnings call transcript
EPS represents the portion of a company's profit allocated to each outstanding share of common stock. A higher EPS is generally favorable, indicating stronger profitability on a per-share basis.
Positive EPS: A positive EPS signifies that a company is profitable, it is generally viewed positively, supporting stock value and investor confidence.
Negative EPS: Indicates that a company is operating at a loss, which could lead to negative sentiment, potential stock depreciation, and concerns about the company's financial health.
The Next Earning Date represents when the company plans to release its next set of financial results.
An upward trend in EPS suggests consistent growth in earnings, often leading to increased investor confidence. A downward trend may indicate a decline in earnings, potentially decreasing investor confidence and stock value. Fluctuating EPS suggests unpredictable financial performance, warranting cautious investor analysis.
Earnings surprise occurs when a company's actual earnings differ from analysts' expectations. A positive earnings surprise typically reflects better-than-expected performance, potentially leading to stock appreciation. Conversely, a negative earnings surprise can result in stock depreciation. An earnings surprise of zero means the earnings met expectations, which typically has a neutral impact on stock price.
Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.
| 2023-12-31 | 2022-12-31 | Y/Y change % | |
|---|---|---|---|
| FY | |||
| calendar year | 2023 | 2022 | NaN |
| revenue per share | 208.24 | 187.47 | 11.08 |
| net income per share | 12.02 | 5.09 | 136.27 |
| operating cash flow per share | 21.29 | 10.98 | 93.94 |
| free cash flow per share | 17.5 | 7.55 | 131.77 |
| cash per share | 159.75 | 146.69 | 8.90 |
| book value per share | 89.97 | 77.77 | 15.68 |
| tangible book value per share | 28.99 | 25.07 | 15.66 |
| shareholders equity per share | 89.97 | 77.77 | 15.68 |
| interest debt per share | 40.94 | 41.16 | -0.55 |
| market cap | 9006656370.11 | 6799703666.86 | 32.46 |
| enterprise value | 9459656370.11 | 7392903666.86 | 27.96 |
| pe ratio | 14.02 | 24.58 | -42.98 |
| price to sales ratio | 0.81 | 0.67 | 21.29 |
| pocfratio | 7.91 | 11.39 | -30.53 |
| pfcf ratio | 9.63 | 16.56 | -41.87 |
| pb ratio | 1.87 | 1.61 | 16.46 |
| ptb ratio | 1.87 | 1.61 | 16.46 |
| ev to sales | 0.85 | 0.73 | 17.17 |
| enterprise value over ebitda | 8.43 | 11.57 | -27.14 |
| ev to operating cash flow | 8.31 | 12.39 | -32.89 |
| ev to free cash flow | 10.11 | 18.01 | -43.84 |
| earnings yield | 0.07 | 0.04 | 75.37 |
| free cash flow yield | 0.1 | 0.06 | 72.03 |
| debt to equity | 0.43 | 0.5 | -14.12 |
| debt to assets | 0.06 | 0.06 | -3.81 |
| net debt to ebitda | 0.4 | 0.93 | -56.52 |
| current ratio | 19.91 | 2.41 | 724.99 |
| interest coverage | 5.95 | 4.23 | 40.61 |
| income quality | 1.77 | 2.16 | -17.92 |
| dividend yield | 0.02 | 0.02 | -23.45 |
| payout ratio | 0.24 | 0.54 | -56.35 |
| sales general and administrative to revenue | 0 | 0 | NaN |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.1 | 0.09 | 12.02 |
| capex to operating cash flow | 0.18 | 0.31 | -42.99 |
| capex to revenue | 0.02 | 0.02 | -0.47 |
| capex to depreciation | 1.03 | 1.02 | 0.73 |
| stock based compensation to revenue | 0.01 | 0.01 | 9.85 |
| graham number | 155.99 | 94.35 | 65.33 |
| roic | 0.02 | 0.04 | -56.56 |
| return on tangible assets | 0.02 | 0.01 | 131.39 |
| graham net net | -347.71 | -352.98 | 1.49 |
| working capital | 10262300000 | 5988400000 | 71.37 |
| tangible asset value | 1549700000 | 1362900000 | 13.71 |
| net current asset value | -18020600000 | -18668300000 | 3.47 |
| invested capital | 14230900000 | 9499300000 | 49.81 |
| average receivables | 2336000000 | 1203200000 | 94.15 |
| average payables | 2561050000 | 2376900000 | 7.75 |
| average inventory | -77750000 | -2048650000 | 96.20 |
| days sales outstanding | 74.29 | 86.17 | -13.79 |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 4.91 | 4.24 | 16.00 |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | 0 | NaN |
| roe | 0.13 | 0.07 | 104.23 |
| capex per share | 3.79 | 3.43 | 10.56 |
ROE:
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to 14.02 on 2023-12-31 from 24.58 on 2022-12-31, representing a change of -42.98%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio increased to 19.91 on 2023-12-31 from 2.41 on 2022-12-31, representing a change of 724.99%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.43 on 2023-12-31 from 0.50 on 2022-12-31, representing a change of -14.12%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
| 2024-09-30 Q3 | 2024-06-30 Q2 | Q/Q change % | |
|---|---|---|---|
| AIZ | |||
| calendar year | 2024 | 2024 | NaN |
| revenue per share | 56.85 | 55.71 | 2.04 |
| net income per share | 2.56 | 3.59 | -28.69 |
| operating cash flow per share | 8.36 | 13.54 | -38.25 |
| free cash flow per share | 10.4 | 12.49 | -16.74 |
| cash per share | 180.24 | 41.0 | 339.63 |
| book value per share | 100.67 | 95.32 | 5.61 |
| tangible book value per share | 39.7 | 34.48 | 15.15 |
| shareholders equity per share | 100.67 | 95.32 | 5.61 |
| interest debt per share | 40.4 | 40.16 | 0.60 |
| market cap | 10381298775.02 | 8761846329.03 | 18.48 |
| enterprise value | 10650398775.02 | 9130546329.03 | 16.65 |
| pe ratio | 19.4 | 11.61 | 67.10 |
| price to sales ratio | 3.5 | 3.0 | 16.77 |
| pocfratio | 23.78 | 12.33 | 92.97 |
| pfcf ratio | 19.13 | 13.37 | 43.11 |
| pb ratio | 1.98 | 1.75 | 12.82 |
| ptb ratio | 1.98 | 1.75 | 12.82 |
| ev to sales | 3.59 | 3.12 | 14.96 |
| enterprise value over ebitda | 0 | 29.44 | -100.00 |
| ev to operating cash flow | 24.4 | 12.84 | 89.97 |
| ev to free cash flow | 19.62 | 13.93 | 40.89 |
| earnings yield | 0.01 | 0.02 | -40.15 |
| free cash flow yield | 0.05 | 0.07 | -30.12 |
| debt to equity | 0.4 | 0.42 | -4.74 |
| debt to assets | 0.06 | 0.08 | -23.43 |
| net debt to ebitda | 0 | 1.19 | -100.00 |
| current ratio | 2.74 | -1.13 | 343.35 |
| interest coverage | 0 | 9.72 | -100.00 |
| income quality | 3.26 | 3.77 | -13.41 |
| dividend yield | 0.0 | 0.0 | -20.68 |
| payout ratio | 0.28 | 0.21 | 32.55 |
| sales general and administrative to revenue | 0 | 0 | NaN |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.09 | 0.12 | -23.73 |
| capex to operating cash flow | 0.24 | 0.08 | 212.20 |
| capex to revenue | 0.04 | 0.02 | 88.93 |
| capex to depreciation | 1.82 | 1.1 | 65.48 |
| stock based compensation to revenue | 0.01 | 0.01 | 16.21 |
| graham number | 76.19 | 87.8 | -13.22 |
| roic | 0 | 0.01 | -100.00 |
| return on tangible assets | 0.0 | 0.01 | -47.40 |
| graham net net | -370.29 | -481.07 | 23.03 |
| working capital | 7105100000 | 7719200000 | -7.96 |
| tangible asset value | 2072500000 | 1810000000 | 14.50 |
| net current asset value | -18884900000 | -17953600000 | -5.19 |
| invested capital | 11030100000 | 11646100000 | -5.29 |
| average receivables | 891300000 | 0 | NaN |
| average payables | 3072500000 | 2494800000 | 23.16 |
| average inventory | -5368200000 | -10617550000 | 49.44 |
| days sales outstanding | 54.06 | 0 | NaN |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 1.66 | 0 | NaN |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | 0 | NaN |
| roe | 0.03 | 0.04 | -32.48 |
| capex per share | 2.03 | 1.06 | 92.79 |
ROE: Return on Equity (ROE) decreased to 0.03 on 2024-09-30 Q3 from 0.04 on 2024-06-30 Q2, representing a change of -32.48%. Suggesting that the company has not been generating high returns for its shareholders.
PE Ratio: Price-to-Earnings (P/E) Ratio increased to 19.40 on 2024-09-30 Q3 from 11.61 on 2024-06-30 Q2, representing a change of 67.10%. Indicating an increase in the relative valuation of the company's stock.
Current Ratio: Current Ratio increased to 2.74 on 2024-09-30 Q3 from -1.13 on 2024-06-30 Q2, representing a change of 343.35%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Also, it's above 1, indicating the ability to cover short-term obligations.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.40 on 2024-09-30 Q3 from 0.42 on 2024-06-30 Q2, representing a change of -4.74%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
Positive Sentiment: Discounted Cash Flow value is 407.87 which is higher than current price 211.59, indicates the company may be undervalued.
| Market Capitalization | Enterprise Value | |
|---|---|---|
| Definition | The total market value of a company's outstanding shares | The total market value of a company, including its debt and other liabilities |
| Calculation | Current share price * Total number of outstanding shares | Market capitalization + Total debt - Cash and cash equivalents |
| Focus | Equity component of a company's value | Total economic value of a company |
| Usefulness | Assesses a company's size and growth potential based on investor sentiment | Provides a more comprehensive valuation that considers both equity and debt |
Analyzing dividends is a crucial aspect of investment evaluation, offering valuable insights into a company's financial health and its commitment to shareholder returns. Dividends represent a portion of a company's profits distributed to its shareholders, providing a steady income stream. We help you analyze dividends based on the indicators mentioned below:
• Investors often assess the average dividend amount, observing trends over time to gauge the company's stability and growth potential. A positive trend in average dividends indicates a consistent and potentially lucrative investment. Additionally, evaluating the trend of dividend increases provides insight into the company's financial strength and management's confidence in future earnings.
• Consistency in paying dividends is a reassuring sign, reflecting a company's reliability and commitment to shareholder value. For investors, dividends not only offer income but also contribute to the overall total return on investment.
• Companies with a history of regular and increasing dividends can attract income-focused investors seeking stable returns, making dividends a critical factor in building a well-rounded investment portfolio.
Interested in the overall sentiment for a particular period? Check out our news sentiment analysis tool.
Sentiment: Positive
Publish Date: 2025-01-16 16:15:00
ATLANTA--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ), a leading global business services company that supports, protects, and connects major consumer purchases, announced today that its Board of Directors declared a quarterly dividend of $0.80 per share of common stock. The dividend will be payable on March 31, 2025 to stockholders of record as of the close of business on February 3, 2025. Future dividend declarations will be made at the discretion of the Assurant Board of Directors and will be.
Sentiment: Positive
Publish Date: 2025-01-13 16:15:00
ATLANTA--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ), a leading global business services company that supports, protects and connects major consumer purchases, will release fourth quarter and full year 2024 financial results on Tuesday, February 11, 2025, after the market closes. The news release will be available on Assurant's website at www.assurant.com. In conjunction with the news release, Assurant will host a conference call the following morning, Wednesday, February 12, 2025, at 8:00 a.m.
Sentiment: Positive
Publish Date: 2025-01-03 10:45:54
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Sentiment: Positive
Publish Date: 2024-12-18 10:46:32
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Sentiment: Neutral
Publish Date: 2024-12-05 12:36:12
Assurant (AIZ) reported earnings 30 days ago. What's next for the stock?
Sentiment: Positive
Publish Date: 2024-12-05 11:08:55
With the holiday season underway, I present 17 companies with dividend increases for 2024, including Becton, Dickinson, and Company, a dividend king with a 52-year streak. My strategy focuses on buying, holding, and adding to companies with consistent dividend growth and outperforming benchmarks, using data from U.S. Dividend Champions and NASDAQ. I prioritize companies with strong historical returns and high 10-year dividend growth rates, comparing them against the Schwab U.S. Dividend Equity ETF.
Sentiment: Positive
Publish Date: 2024-12-04 13:54:00
ATLANTA--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ), a leading global business services company that supports, protects, and connects major consumer purchases, has been included in Newsweek's list of America's Most Responsible Companies 2025. This prestigious award is presented in collaboration with Statista, the world-leading statistics portal and industry ranking provider. The awards list can be viewed on Newsweek's website. “We are honored to be recognized once again on Newsweek's list of A.
Sentiment: Positive
Publish Date: 2024-12-03 11:10:16
AIZ stock gains on the back of a well-performing Global Lifestyle business, growth of fee-based capital-light businesses and effective capital deployment.
Sentiment: Negative
Publish Date: 2024-11-30 21:42:01
Assurant has had a strong run-up in 2024, especially since earnings, outperforming the S&P 500. A big run-up was after the Nov 5th earnings release. Trump might have helped. Earnings, including catastrophe loss impacts, were not stellar.
Sentiment: Neutral
Publish Date: 2024-11-21 11:40:33
CHDN, LZB, MKC and AIZ recently announced dividend hikes.
Sentiment: Positive
Publish Date: 2024-11-21 08:30:00
NEW YORK--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ), a leading global provider of lifestyle and housing solutions that support, protect, and connect major consumer purchases, reported today that a total of $1.09 billion was returned to consumers who traded in their mobile devices in the third quarter of 2024 alone. Historically, the fourth quarter is the peak of the trade-in cycle, when trade-in program returns to customers surpass the $1 billion mark in total returned value to consumers. Thi.
Sentiment: Positive
Publish Date: 2024-11-20 16:15:00
ATLANTA--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ), a leading global business services company that supports, protects, and connects major consumer purchases, today announced the appointment of Kevin Warren, former chief marketing and customer experience officer at UPS, to its Board of Directors, effective January 15, 2025. Warren will serve on the company's Compensation and Talent committee. “We are pleased to welcome Kevin to our Board,” said Assurant Board of Directors Chair, Elaine Rosen.
Sentiment: Positive
Publish Date: 2024-11-20 13:36:10
AIZ's 11% dividend hike bears testimony to its solid capital position and uninterrupted cash flow supporting wealth distribution.
Sentiment: Positive
Publish Date: 2024-11-19 16:15:00
ATLANTA--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ), a leading global business services company that supports, protects, and connects major consumer purchases, announced today that its Board of Directors declared a quarterly dividend increase of $0.08 to $0.80 per share of common stock. The dividend will be payable on December 30, 2024 to stockholders of record as of the close of business on December 9, 2024. “Today represents another significant milestone for Assurant and our shareholders, as.
Sentiment: Positive
Publish Date: 2024-11-11 08:30:00
ATLANTA--(BUSINESS WIRE)-- #VeteransDay--Assurant, Inc. (NYSE: AIZ), a leading global business services company that supports, protects, and connects major consumer purchases, has been included in America's Best Employers for Veterans 2024 ranking. This prestigious award is presented in collaboration with Statista, the world-leading statistics portal and industry ranking provider. The awards list was announced on November 7, 2024, and can currently be viewed on the Forbes website. America's Best Employers for.
Sentiment: Positive
Publish Date: 2024-11-06 14:16:05
Assurant, Inc. (NYSE:AIZ ) Q3 2024 Earnings Conference Call November 6, 2024 8:00 AM ET Company Participants Sean Moshier - Vice President, Investor Relations Keith Demmings - President and Chief Executive Officer Keith Meier - Chief Financial Officer Conference Call Participants Brian Meredith - UBS Mark Hughes - Truist Tommy McJoynt - KBW John Barnidge - Piper Sandler Operator Welcome to Assurant's Third Quarter 2024 Conference Call and Webcast. [Operator Instructions] It is now my pleasure to turn the floor over to Sean Moshier, Vice President of Investor Relations.
Sentiment: Positive
Publish Date: 2024-11-06 12:41:31
AIZ's Q3 results reflect solid performance at Global Housing with growing revenues and expense discipline.
Sentiment: Positive
Publish Date: 2024-11-05 19:00:29
Although the revenue and EPS for Assurant (AIZ) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Sentiment: Positive
Publish Date: 2024-11-05 18:36:13
Assurant (AIZ) came out with quarterly earnings of $3 per share, beating the Zacks Consensus Estimate of $2.50 per share. This compares to earnings of $4.29 per share a year ago.
Sentiment: Positive
Publish Date: 2024-11-05 16:15:00
ATLANTA--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ), a leading global business services company that supports, protects and connects major consumer purchases, today reported results for the third quarter ended September 30, 2024. “Our third quarter performance highlights continued strength within Global Housing with growing revenues and expense discipline. Global Lifestyle performed in-line with expectations, as we continued to prioritize strategic investments for growth in new and expanded Co.
* The sentiment analysis presented is generated through an algorithm and may be subject to inaccuracies. Users are advised to corroborate key information and employ further analytical methods prior to making critical decisions.
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| Indicator | Bullish | Bearish |
|---|---|---|
| Price and EMA ⓘ | Price crosses above EMA | Price crosses below EMA |
| Short-Term vs Long-Term EMA ⓘ | Short EMA crosses above Long EMA | Short EMA crosses below Long EMA |
| Volume ⓘ | Increasing volume during price uptrend | Increasing volume during price downtrend |
| MACD ⓘ | MACD crosses above Signal Line | MACD crosses below Signal Line |
| RSI ⓘ | RSI is below 30 (oversold) and starts to rise above 30 | RSI is above 70 (overbought) and starts to decline below 70 |
| Candlestick Patterns ⓘ | Bullish candlestick patterns | Bearish candlestick patterns |
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