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Upturn AI SWOT - About
AIZ 
Assurant Inc (AIZ)
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Upturn Advisory Summary
09/12/2025: AIZ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $241
1 Year Target Price $241
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 30.17% | Avg. Invested days 63 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.75B USD | Price to earnings Ratio 15.46 | 1Y Target Price 241 |
Price to earnings Ratio 15.46 | 1Y Target Price 241 | ||
Volume (30-day avg) 6 | Beta 0.55 | 52 Weeks Range 173.63 - 227.12 | Updated Date 09/14/2025 |
52 Weeks Range 173.63 - 227.12 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 1.46% | Basic EPS (TTM) 13.78 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.83% | Operating Margin (TTM) 10% |
Management Effectiveness
Return on Assets (TTM) 1.78% | Return on Equity (TTM) 13.65% |
Valuation
Trailing PE 15.46 | Forward PE 10.66 | Enterprise Value 11346016535 | Price to Sales(TTM) 0.87 |
Enterprise Value 11346016535 | Price to Sales(TTM) 0.87 | ||
Enterprise Value to Revenue 0.92 | Enterprise Value to EBITDA - | Shares Outstanding 50459200 | Shares Floating 50121134 |
Shares Outstanding 50459200 | Shares Floating 50121134 | ||
Percent Insiders 0.61 | Percent Institutions 96.5 |
Upturn AI SWOT
Assurant Inc
Company Overview
History and Background
Assurant, Inc. was founded in 1892 as the La Crosse Mutual Aid Association. It evolved through various mergers and acquisitions to become a leading global provider of risk management solutions, primarily in the housing and lifestyle markets. The company's roots lie in insurance for tradesmen, later expanding into broader insurance and financial services.
Core Business Areas
- Global Housing: Offers mortgage solutions, manufactured housing insurance, lender-placed insurance, and renters insurance.
- Global Lifestyle: Provides mobile device protection, extended service contracts, vehicle protection, and credit insurance.
Leadership and Structure
Assurant is led by Keith W. Demmings as President and CEO. The company operates with a typical corporate structure, featuring a board of directors overseeing senior management responsible for different business segments and functional areas.
Top Products and Market Share
Key Offerings
- Mobile Device Protection: Provides protection plans for mobile phones and other devices. Market share data is not publicly available, but Assurant is a significant player, competing with companies like Asurion and Brightstar. Revenue for this product is a substantial portion of the Global Lifestyle segment. Competitors: Asurion, Brightstar, Likewize.
- Extended Service Contracts: Offers extended warranties and service contracts for appliances, electronics, and other consumer products. Market share data is not precisely available but it is one of the top players in the market, competing with companies like Amynta Group and Transamerica. Competitors: Amynta Group, Transamerica, AIG.
- Lender-Placed Insurance: Offers insurance coverage to protect lendersu2019 interests when borrowersu2019 insurance lapses. Assurant holds a sizable market share in this niche, one of the top players along with competitors like QBE Insurance. Competitors: QBE Insurance, National General Insurance.
Market Dynamics
Industry Overview
The insurance industry is characterized by increasing regulation, technological disruption, and changing consumer preferences. Demand for specialized insurance products and risk management services is growing.
Positioning
Assurant is positioned as a leader in specialized risk management, focusing on housing and lifestyle markets. Its competitive advantages include specialized expertise, strong partnerships with leading brands, and a global footprint.
Total Addressable Market (TAM)
The TAM for Assurant's services (housing and lifestyle insurance) is estimated in the hundreds of billions of dollars globally. Assurant is positioned to capture a significant portion of this TAM by focusing on niche markets and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Specialized Expertise
- Strong Partnerships
- Global Presence
- Diversified Revenue Streams
- Established Brand Reputation
Weaknesses
- Exposure to Catastrophic Events
- Dependence on Partnerships
- Regulatory Scrutiny
- Sensitivity to Interest Rate Changes
- Integration Risks From Acquisitions
Opportunities
- Expanding into Emerging Markets
- Developing New Products and Services
- Leveraging Technology for Efficiency
- Increasing Demand for Risk Management
- Strategic Acquisitions
Threats
- Increased Competition
- Changing Regulations
- Economic Downturn
- Technological Disruption
- Climate Change Impacts
Competitors and Market Share
Key Competitors
- ASR
- UNM
- AFG
Competitive Landscape
Assurant's competitive advantage lies in its specialized expertise and strong partnerships. Disadvantages may include its exposure to catastrophic events and dependence on key partnerships.
Major Acquisitions
Warranty Group
- Year: 2018
- Acquisition Price (USD millions): 2500
- Strategic Rationale: Expanded Assurant's global footprint in vehicle protection and extended service contracts.
Growth Trajectory and Initiatives
Historical Growth: Assurant's historical growth has been driven by organic expansion, strategic acquisitions, and partnerships.
Future Projections: Future growth projections are based on analyst estimates, which consider market trends, competition, and company-specific factors.
Recent Initiatives: Recent strategic initiatives include expanding into new markets, developing new products, and investing in technology.
Summary
Assurant is a solid company with strong positions in specialized insurance markets, particularly housing and lifestyle. Its focus on niche areas and strategic partnerships contribute to its resilience. The company needs to watch out for increased competition, regulatory changes, and exposure to large-scale events which could disrupt profitability. Their steady dividend payout record makes them a very attractive pick.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on available information and general market knowledge. It is not financial advice, and users should conduct their own research before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Assurant Inc
Exchange NYSE | Headquaters Atlanta, GA, United States | ||
IPO Launch date 2004-02-05 | President, CEO & Director Mr. Keith Warner Demmings | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 14200 | Website https://www.assurant.com |
Full time employees 14200 | Website https://www.assurant.com | ||
Assurant, Inc. provides protection services to connected devices, homes, and automobiles in North America, Latin America, Europe, and the Asia Pacific. It operates in two segments, Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and financial services and other insurance products; and vehicle protection, commercial equipment, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and related products; and voluntary manufactured housing, and condominium and homeowners insurance products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in Atlanta, Georgia.
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