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Upturn AI SWOT - About
AIZ 
Assurant Inc (AIZ)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/30/2025: AIZ (1-star) is currently NOT-A-BUY. Pass it for now.
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 $246
1 Year Target Price $246
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.84% | Avg. Invested days 68 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.68B USD | Price to earnings Ratio 15.35 | 1Y Target Price 246 |
Price to earnings Ratio 15.35 | 1Y Target Price 246 | ||
Volume (30-day avg) 6 | Beta 0.55 | 52 Weeks Range 173.63 - 227.12 | Updated Date 10/31/2025 |
52 Weeks Range 173.63 - 227.12 | Updated Date 10/31/2025 | ||
Dividends yield (FY) 1.47% | Basic EPS (TTM) 13.79 |
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 2025-11-04 | When After Market | Estimate 4.28 | 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 15.35 | Forward PE 10.93 | Enterprise Value 10417627335 | Price to Sales(TTM) 0.87 |
Enterprise Value 10417627335 | Price to Sales(TTM) 0.87 | ||
Enterprise Value to Revenue 0.94 | Enterprise Value to EBITDA - | Shares Outstanding 50459211 | Shares Floating 50129712 |
Shares Outstanding 50459211 | Shares Floating 50129712 | ||
Percent Insiders 0.62 | Percent Institutions 97.36 |
Upturn AI SWOT
Assurant Inc
Company Overview
History and Background
Assurant Inc. was founded in 1892 as the La Crosse Mutual Aid Association. Over the years, it evolved through various mergers and acquisitions, including the Fortis acquisition in 1999, before being spun off as a separate entity, Assurant Solutions, and eventually becoming Assurant Inc. in 2004.
Core Business Areas
- Global Lifestyle: Provides mobile device protection, extended service contracts, and other protection products for consumer electronics, appliances, and other goods.
- Global Housing: Focuses on lender-placed insurance, multi-family housing and manufactured housing solutions. Offers solutions for property preservation, and other risk management services.
Leadership and Structure
Keith Demmings is the President and CEO. The company operates with a structure organized around its core business segments, with a board of directors overseeing governance and strategic direction.
Top Products and Market Share
Key Offerings
- Mobile Device Protection: Offers insurance, warranty, and support services for mobile devices. Assurant is a leading provider in this space, serving millions of subscribers through partnerships with major carriers and retailers. Competitors include Asurion and Brightstar.
- Lender-Placed Insurance: Provides homeowners insurance coverage when a borrower's own policy lapses or is insufficient. Assurant is a major player in this market, servicing mortgage lenders. Competitors include National General Insurance (owned by Allstate) and QBE Insurance.
- Extended Service Contracts: Provides protection plans for appliances, electronics, and other consumer goods, often sold through retailers. Competitors include Asurion and Warrantech (AmTrust Financial).
Market Dynamics
Industry Overview
The specialty insurance market is driven by consumer demand for protection against unexpected risks and expenses. Growth is fueled by increasing adoption of consumer electronics, the complexity of modern appliances, and regulatory requirements around mortgage lending.
Positioning
Assurant is positioned as a leading provider of risk management solutions in select niche markets, focusing on partnerships and integrated offerings. Its competitive advantages include its established relationships with major clients and its expertise in handling complex claims processes.
Total Addressable Market (TAM)
The estimated TAM for Assurant's key markets (mobile device protection, lender-placed insurance, and extended service contracts) is approximately $100 billion globally. Assurant's market cap positions it well for this TAM.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Diversified product portfolio
- Experienced management team
- Efficient claims processing capabilities
- Global presence
Weaknesses
- Exposure to regulatory changes
- Dependence on key partnerships
- Vulnerability to economic downturns
- Competition in mature markets
- Relatively high debt levels
Opportunities
- Expanding into new geographic markets
- Developing innovative products and services
- Leveraging technology to improve efficiency
- Acquiring complementary businesses
- Capitalizing on growth in emerging markets
Threats
- Increased competition
- Changes in consumer preferences
- Cybersecurity risks
- Economic recession
- Natural disasters
Competitors and Market Share
Key Competitors
- ASRN
- AFG
- ALL
Competitive Landscape
Assurant differentiates itself through its focus on niche markets and its strong client relationships. It faces competition from larger, more diversified insurance companies and smaller, specialized providers. It must continue to innovate and adapt to changing consumer preferences to maintain its competitive edge.
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: Assurant has experienced steady growth in revenue and earnings over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by favorable trends in the specialty insurance market. EPS is expected to grow at a mid-single-digit rate.
Recent Initiatives: Recent strategic initiatives include expanding into new markets, investing in technology, and developing innovative products and services.
Summary
Assurant is a stable company with strong positions in niche insurance markets. Its focus on partnerships and global expansion is working well. It needs to be aware of regulatory changes and economic downturns. The company's financials are showing steady moderate growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Financials are not real and should be used for example only.
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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