AIZ Stock Analysis — Assurant
Sector: Financials
AI Verdict
Assurant trades at a cheap 11.0x forward P/E, but with flat earnings growth expected, you're betting on the moat's durability rather than any upside surprise.
Competitive Moat
Assurant specializes in niche insurance products like mobile device protection and lender-placed insurance, which rely on long-term partnerships with carriers and lenders. These embedded distribution agreements create high switching costs and stable recurring revenue streams.
Summary
Assurant's core business is protected by sticky carrier relationships in mobile device insurance, making it a steady cash generator.
Where It Stands
Assurant is up 20.24% over the past year, trades at 11.0x next year's earnings versus a 14x sector median, and its RSI of 66.5 signals elevated risk of a pullback.
Key Metrics
- RSI: 66.5 — Near Overbought
- Trailing P/E: 11.0x
- Forward P/E: 11.0x
- PEG Ratio: 20.36
- Earnings Growth: +0.0%
- Revenue Growth: +0.1%
- Market Cap: $12.1B
- Dividend Yield: 0.01%
- 1-Year Return: 20.24%
- 52-Week High: $247.41
- 52-Week Low: $183.39
Analyst Consensus
10 Buy · 2 Hold · 0 Sell (12 analysts)
Bull Case
At 11.0x forward earnings, you're paying below the sector median for a company with 9.1% trailing revenue growth and a history of stable cash flows.
Bear Case
With forward EPS growth forecast at just 0.3% and an RSI of 66.5, any P/E compression to the sector median would erase recent gains.
Catalyst to Watch
Watch for renewal terms or new carrier partnerships; a major contract loss or win would directly affect earnings stability.