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Upturn AI Summary - About
Assurant, Inc.(AIZ)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AIZ
10/28/2026: AIZ (3-star) is a STRONG-BUY. BUY for 5 days. Simulated Profits (-1.34%). Updated daily EoD!
Assurant, Inc. is a leading provider of specialty insurance and protection products, largely integrated into the consumer electronics and housing markets. The company maintains a leading position by partnering with major wireless carriers and financial institutions, providing stable and recurring revenue. Its growth story centers on expanding its protection services into the connected home and broader international markets. Primary risks include heavy reliance on key enterprise partners, potential regulatory shifts in housing, and competition from manufacturers. The stock may suit dividend-oriented and value-focused investors looking for long-term consistency, provided they monitor the stability of key enterprise partnerships and consumer spending cycles.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is steady rather than explosive, tied to consumer and housing market cycles. |
| Momentum investor | Mixed fit | Performance is subject to cyclical trends; fit depends on positive sector momentum. |
| Value investor | Strong fit | The company is often reasonably valued relative to its stable cash flow and dividend history. |
| Dividend investor | Strong fit | Assurant has a track record of consistent dividend growth and financial stability. |
| Low-risk investor | Mixed fit | While stable, the business carries exposure to market-specific risks and regulatory shifts. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience swings based on interest rate environments and housing market data. |
| Valuation risk | Low | Current valuations generally align with industry peers and cash flow expectations. |
| Competition risk (device protection) | Medium / high | Direct competition from OEMs offering proprietary device protection plans poses a persistent threat. |
| Business quality | Strong | The company has strong, durable partnerships and a proven business model. |
| Dividend income | Strong | The dividend is supported by consistent free cash flow and a conservative payout ratio. |
| Execution risk | Medium | Maintaining complex relationships with large enterprise partners requires consistent operational excellence. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 37.97% | Avg. Invested days 62 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.06B USD | Price to earnings Ratio 13.64 | 1Y Target Price 326.67 |
Price to earnings Ratio 13.64 | 1Y Target Price 326.67 | ||
Volume (30-day avg) 387.8K shares | Beta 0.53 | 52 Weeks Range 204.80 - 303.00 | Updated Date 10/28/2026 |
52 Weeks Range 204.80 - 303.00 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 1.20% | Basic EPS (TTM) 20.89 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Global Lifestyle | Mobile device protection, extended service contracts for consumer goods. | Revenue comes from fees for protecting consumers' everyday tech and electronics. |
| Global Housing | Lender-placed insurance, multi-family housing insurance. | Revenue is earned by providing insurance products to lenders and property owners. |
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 2026-11-03 | When After Market | Estimate 4.57 | Actual - |
Profitability
Profit Margin 7.9% | Operating Margin (TTM) 11.73% |
Management Effectiveness
Return on Assets (TTM) 2.56% | Return on Equity (TTM) 18.34% |
Valuation
Trailing PE 13.64 | Forward PE 10.93 | Enterprise Value 14.63B | Price to Sales(TTM) 1.04 |
Enterprise Value 14.63B | Price to Sales(TTM) 1.04 | ||
Enterprise Value to Revenue 1.09 | Enterprise Value to EBITDA - | Shares Outstanding 49.32M | Shares Floating 48.96M |
Shares Outstanding 49.32M | Shares Floating 48.96M | ||
Percent Insiders 0.7 | Percent Institutions 100.37 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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