AIZ

HOLD

Assurant, Inc.

Financial Services · Rank #74 · Analyzed Jul 13, 2026

$278.89

Current Price

$252.15

Intrinsic Value

-9.6%

Upside/Downside

4.7/10

Score

2.5/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score2.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueOvervalued by 9.6%

Fair Value Range

Low$43.65

Base (IV)$252.15

High$302.58

Entry Points

Conservative$30.55

Moderate$43.65

Aggressive$176.50

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity18.0% → 1.0/1.0

Debt LevelD/E 38 → 0.5/1.0

Revenue QualityGrowth 7.9%, margin Δ+0.0% → 0.5/1.0

Moat Strength2.5/5 → 0.5/1.0

Profit Margins7.6% → 0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.