AIZ

HOLD

Assurant, Inc.

Financial Services · Rank #106 · Analyzed Apr 20, 2026

$227.76

Current Price

$234.17

Intrinsic Value

+23.4%

Upside/Downside

5.7/10

Score

2.5/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score2.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueUndervalued by 23.4%

Fair Value Range

Low$94.35

Base (IV)$234.17

High$281.00

Entry Points

Conservative$94.35

Moderate$164.26

Aggressive$234.17

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity15.9% → 1.0/1.0

Debt LevelD/E 39 → 0.5/1.0

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

Moat Strength2.0/5 → 0/1.0

Profit Margins6.8% → 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.