Assurant Valuation

Is AIZ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of AIZ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: AIZ ($187.41) is trading below our estimate of fair value ($377.92)

Significantly Below Fair Value: AIZ is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for AIZ?

Other financial metrics that can be useful for relative valuation.

AIZ key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.9x
Enterprise Value/EBITDA8.9x
PEG Ratio1.1x

Price to Earnings Ratio vs Peers

How does AIZ's PE Ratio compare to its peers?

The above table shows the PE ratio for AIZ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average20.5x
AIG American International Group
14.8x6.7%US$53.3b
HMN Horace Mann Educators
33.3x49.9%US$1.5b
TFG Fortegra Group
18.5xn/aUS$1.4b
PRI Primerica
15.5x5.6%US$8.9b
AIZ Assurant
15.2x13.3%US$9.7b

Price-To-Earnings vs Peers: AIZ is good value based on its Price-To-Earnings Ratio (15.2x) compared to the peer average (20.5x).


Price to Earnings Ratio vs Industry

How does AIZ's PE Ratio compare vs other companies in the US Insurance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a13.5%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a13.5%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: AIZ is expensive based on its Price-To-Earnings Ratio (15.2x) compared to the US Insurance industry average (14.8x).


Price to Earnings Ratio vs Fair Ratio

What is AIZ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

AIZ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio15.2x
Fair PE Ratio17.9x

Price-To-Earnings vs Fair Ratio: AIZ is good value based on its Price-To-Earnings Ratio (15.2x) compared to the estimated Fair Price-To-Earnings Ratio (17.9x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst AIZ forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$187.41
US$201.40
+7.5%
5.8%US$215.00US$182.00n/a5
Mar ’25US$180.46
US$201.40
+11.6%
5.8%US$215.00US$182.00n/a5
Feb ’25US$169.30
US$192.60
+13.8%
6.7%US$205.00US$170.00n/a5
Jan ’25US$168.49
US$189.20
+12.3%
6.1%US$205.00US$170.00n/a5
Dec ’24US$168.30
US$189.20
+12.4%
6.1%US$205.00US$170.00n/a5
Nov ’24US$166.48
US$177.80
+6.8%
9.3%US$205.00US$157.00n/a5
Oct ’24US$143.58
US$170.60
+18.8%
6.1%US$185.00US$157.00n/a5
Sep ’24US$140.02
US$167.60
+19.7%
7.9%US$185.00US$150.00n/a5
Aug ’24US$135.04
US$163.40
+21.0%
8.8%US$185.00US$144.00n/a5
Jul ’24US$125.72
US$159.20
+26.6%
6.1%US$170.00US$144.00n/a5
Jun ’24US$120.90
US$159.20
+31.7%
6.1%US$170.00US$144.00n/a5
May ’24US$123.05
US$155.40
+26.3%
9.3%US$170.00US$129.00n/a5
Apr ’24US$120.07
US$157.80
+31.4%
8.8%US$170.00US$133.00n/a5
Mar ’24US$126.45
US$157.80
+24.8%
8.8%US$170.00US$133.00US$180.465
Feb ’24US$132.25
US$159.40
+20.5%
9.7%US$175.00US$133.00US$169.305
Jan ’24US$125.06
US$158.80
+27.0%
9.6%US$175.00US$133.00US$168.495
Dec ’23US$128.01
US$164.17
+28.2%
7.8%US$180.00US$144.00US$168.306
Nov ’23US$134.70
US$184.33
+36.8%
10.5%US$215.00US$155.00US$166.486
Oct ’23US$145.27
US$198.00
+36.3%
9.8%US$220.00US$160.00US$143.586
Sep ’23US$160.00
US$198.00
+23.8%
9.8%US$220.00US$160.00US$140.026
Aug ’23US$174.61
US$206.33
+18.2%
5.6%US$220.00US$185.00US$135.046
Jul ’23US$175.00
US$206.33
+17.9%
5.6%US$220.00US$185.00US$125.726
Jun ’23US$178.23
US$209.67
+17.6%
3.3%US$220.00US$200.00US$120.906
May ’23US$181.88
US$208.00
+14.4%
3.8%US$220.00US$198.00US$123.056
Apr ’23US$185.42
US$208.00
+12.2%
3.8%US$220.00US$198.00US$120.076
Mar ’23US$165.12
US$196.50
+19.0%
4.4%US$210.00US$183.00US$126.456

Analyst Forecast: Target price is less than 20% higher than the current share price.


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