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Upturn AI SWOT - About
AIZ 
Assurant Inc (AIZ)
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Upturn Advisory Summary
04/22/2025: AIZ (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 36.48% | Avg. Invested days 66 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.83B USD | Price to earnings Ratio 13.36 | 1Y Target Price 227.4 |
Price to earnings Ratio 13.36 | 1Y Target Price 227.4 | ||
Volume (30-day avg) 491573 | Beta 0.52 | 52 Weeks Range 158.37 - 228.87 | Updated Date 04/24/2025 |
52 Weeks Range 158.37 - 228.87 | Updated Date 04/24/2025 | ||
Dividends yield (FY) 1.67% | Basic EPS (TTM) 14.46 |
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 6.4% | Operating Margin (TTM) 9.08% |
Management Effectiveness
Return on Assets (TTM) 1.89% | Return on Equity (TTM) 15.33% |
Valuation
Trailing PE 13.36 | Forward PE 11.96 | Enterprise Value 9994737104 | Price to Sales(TTM) 0.83 |
Enterprise Value 9994737104 | Price to Sales(TTM) 0.83 | ||
Enterprise Value to Revenue 0.84 | Enterprise Value to EBITDA - | Shares Outstanding 50867900 | Shares Floating 50411490 |
Shares Outstanding 50867900 | Shares Floating 50411490 | ||
Percent Insiders 0.6 | Percent Institutions 98.53 |
Analyst Ratings
Rating 4 | Target Price 233.2 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
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 over time, expanding into various insurance markets and becoming a publicly traded company. Key milestones include acquisitions and strategic shifts to focus on risk management solutions.
Core Business Areas
- Global Housing: Provides mortgage solutions, lender-placed insurance, and manufactured housing insurance.
- Global Lifestyle: Offers extended service contracts, mobile device protection, and pre-need funeral insurance.
Leadership and Structure
Assurant is led by CEO Keith Demmings. The company has a hierarchical organizational structure with various business segments reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Extended Service Contracts: Provides protection against mechanical breakdowns for appliances, electronics, and other products. Competitors include AmTrust Financial, SquareTrade (Allstate), and Asurion. Market share data is difficult to obtain precisely due to the fragmented nature of the market, but Assurant is a leading player.
- Mobile Device Protection: Offers insurance and protection plans for smartphones and other mobile devices. Competitors include Asurion, Servify, and Likewize (Brightstar). Assurant is a prominent player in the mobile device protection market. Specific market share data is unavailable.
- Lender-Placed Insurance: Provides insurance coverage for homeowners who do not maintain their own insurance. Competitors include National General Insurance (Allstate), QBE Insurance, and American Security Insurance. Assurant holds a sizable market share in this niche. Market share is estimated around 15-20%.
Market Dynamics
Industry Overview
The insurance industry is undergoing digitalization and facing increasing regulatory scrutiny. Growth is driven by rising consumer awareness and demand for risk management solutions.
Positioning
Assurant is a specialty insurer focused on niche markets, providing risk management solutions and services. Its competitive advantage lies in its expertise in these specialized areas and its long-standing relationships with clients.
Total Addressable Market (TAM)
TAM for Assurant's segments (extended service contracts, mobile device protection, and lender-placed insurance) is estimated to be in billions of dollars. Assurant is positioned well to capture a significant portion of this TAM due to its specialization and partnerships.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Specialized expertise in niche markets
- Diversified product portfolio
- Established distribution channels
- Solid financial performance
Weaknesses
- Exposure to regulatory changes
- Concentration of revenue in certain clients
- Competition from larger insurance companies
- Dependence on third-party administrators
- Potential for claims volatility
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Acquisition of smaller competitors
- Growing demand for risk management solutions
- Increased adoption of digital technologies
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Technological disruption
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ALL
- AFG
- PRU
- MET
- AIG
Competitive Landscape
Assurant differentiates itself through niche market focus and specialized products. However, larger competitors possess greater resources and brand recognition. Assurant has strong partnerships with clients and distributors, while it has a smaller market capitalization compared to competitors.
Major Acquisitions
The Warranty Group
- Year: 2018
- Acquisition Price (USD millions): 2500
- Strategic Rationale: Expanded Assurant's global footprint and product offerings in vehicle protection and extended service contracts.
Growth Trajectory and Initiatives
Historical Growth: Assess past growth using revenue, earnings, and other key metrics derived from Assurant's official reporting.
Future Projections: Synthesize projections based on analysis by financial analysts. Do not generate projections here.
Recent Initiatives: Highlight strategic initiatives directly reported by Assurant through press releases or investor updates.
Summary
Assurant is a specialized insurance company with a solid position in niche markets like extended service contracts and mobile device protection. Its strengths include strong client relationships and a diversified product portfolio. Potential challenges include regulatory risks, competition from larger players, and managing claims volatility. The company is growing through acquisitions and expanding its digital capabilities.
Similar Companies
AFG
American Financial Group Inc
AFG
American Financial Group Inc
AIG
American International Group Inc
AIG
American International Group Inc
ALL
The Allstate Corporation
ALL
The Allstate Corporation
MET
MetLife Inc
MET
MetLife Inc
PRU
Prudential Financial Inc
PRU
Prudential Financial Inc
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Industry Reports
- Analyst Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary depending on the source.
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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