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Assurant, Inc (A1SU34) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Assurant, Inc BRL 176, price BRL 349, upside -49.5%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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AI
Broad data
Oct 3, 2026
Assurant, Inc
A1SU34 · SAStretched ValuationStrong overvaluation with only moderate quality.
!Fair value R$175.95 · Strongly overvalued (−49.5%)
✓Quality 63/100
✓Healthy Growth (revenue 3y +7.9 %/yr)
!Thin margins · 7.6% net margin (TTM)
✓Low debt · generates free cash flow
✓1.0% dividend yield · Well covered
!Moderate moat 50/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range R$140.89 – R$369.99 · fair‑value band R$146.20 – R$245.37 · the R$348.60 price screens above the R$175.95 fair value. Dashed = 300-day average. As of Oct 3, 2026.
Company profile
Assurant, Inc. provides protection services to connected devices, homes, and automobiles in North America, Latin America, Europe, and the Asia Pacific. It operates through Global Lifestyle and Global Housing segments.
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Assurant, Inc. provides protection services to connected devices, homes, and automobiles in North America, Latin America, Europe, and the Asia Pacific. It operates through Global Lifestyle and Global Housing segments. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; and vehicle protection, commercial equipment protection, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and other 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.
Stock analysis
Assurant, Inc (A1SU34) currently trades at R$348.60, while our model-based Fair Value estimate is R$175.95, 49.5% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of R$390.92 per share, and 2 of the 6 models we run sit above the R$348.60 price.
Bear case: the Dividend Discount group reads lowest at R$70.50, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: R$146.20 (bear) to R$245.37 (bull), the price of R$348.60 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Assurant, Inc reported revenue of $12.8B in FY2025 versus $10.2B in FY2022, a compound +7.9%/yr. Reported net income was $873M in FY2025, compounding +46.7%/yr from FY2022.
Key figures
Market cap R$64.8B (≈ $12.4B) · P/E ratio 13.8 · P/S ratio 0.94 · EPS (TTM) R$25.26 · Dividend yield 1.0% · Net margin 6.8% · Return on equity 18.0% · Return on assets (EBIT) 2.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −50%, A1SU34 screens richer than that median.
Fair Value models
Bear R$146.20
Fair Value R$175.95
Bull R$245.37
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$16.56 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
R$154.22
R$197.72
R$299.81
72
DDM Multi-Stage
R$40.74
R$70.50
R$88.91
64
Gordon GGM
R$40.74
R$84.71
R$134.39
63
All 6 models by family
Dividend Discount
Gordon GGM
R$40.74
R$84.71
R$134.39
63
DDM Multi-Stage
R$40.74
R$70.50
R$88.91
64
Multiples
P/E Multiple
R$482.91
R$643.88
R$804.84
63
P/B Multiple
R$293.19
R$390.92
R$488.66
55
Asset-Based
NCAV (Graham)
R$77.36
R$103.66
R$154.72
54
Economic Profit
Residual Income
R$154.22
R$197.72
R$299.81
72
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Set up alert →Quality Score breakdown
Overall quality
63/100
Of which business quality 55 · Market factors (momentum, volatility) 72
Profitability
35
Margins and returns on capital today
Quality Growth
51
Are margins and returns improving?
Cashflow
75
Earnings quality: real cash, not paper profit
Fin. Strength
17
Balance sheet, leverage, solvency risk
Investment
76
Disciplined investing over empire-building
Low Volatility
95
Calm price path (market factor)
Momentum
60
Price trend over the last 3–12 months (market factor)
52W Momentum
67
Distance to the 52-week high (market factor)
Net Issuance
100
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
81/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.9%
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+26.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.8%
Dividend (yield on the price)1.0%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.5% → 9%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−28.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in USD, USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −30.2% a year for the price.
A1SU34 screens overvalued: fair value 50% below the price. Compare with Chubb Limited →
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Context: sector, industry, market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Chubb Limited CB | $331.37 | $235.99 | −29% |
| The Progressive Corporation PGR | $209.47 | $160.75 | −23% |
| The Travelers Companies, Inc TRV | $356.51 | $279.78 | −22% |
| The Allstate Corporation ALL | $224.41 | $290.52 | +29% |
| The People's Insurance Company 601319 | ¥7.98 | ¥9.02 | +13% |
| Fairfax Financial Holdings FFH | C$2,219 | C$3,257 | +47% |
| Intact Financial Corporation IFC | C$250.54 | C$167.88 | −33% |
| Cincinnati Financial Corporation CINF | $161.92 | $143.72 | −11% |
| W. R. Berkley Corporation WRB | $67.66 | $47.22 | −30% |
| QBE Insurance Group QBE | A$23.81 | A$13.42 | −44% |
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Frequently asked questions
Is Assurant, Inc (A1SU34) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of R$175.95 versus a price of R$348.60, about −50% upside (overvalued).
What is the fair value of A1SU34?
Our model-based fair value for Assurant, Inc is R$175.95 (as of Oct 3, 2026), built from audited fundamentals. The current price: R$348.60.
What is the quality score of A1SU34?
Assurant, Inc has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Assurant, Inc (A1SU34)?
Our model-based price target is the fair value of R$175.95 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario R$146.20, optimistic scenario R$245.37. It is a calculation from audited fundamentals, not an analyst target.
What is the Assurant, Inc stock forecast for 2026?
Our models put fair value at R$175.95, about −50% upside versus a price of R$348.60 (overvalued). Cautious scenario R$146.20, optimistic scenario R$245.37. The calculation is refreshed regularly with new filings.
What is the revenue of Assurant, Inc (A1SU34)?
Assurant, Inc reported trailing-twelve-month revenue of about $13.2B (latest available figure, as of Oct 3, 2026).
Does Assurant, Inc pay a dividend?
Assurant, Inc currently shows a dividend yield of about 0.96% relative to its recent price (as of Oct 3, 2026).
What growth is priced into Assurant, Inc (A1SU34)?
For today's price to be fair in a discounted-cash-flow model, Assurant, Inc would have to grow free cash flow by -28.5 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +7.9 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of A1SU34 use?
Our models discount Assurant, Inc at 10.9 %: a base by market capitalisation (large), damped by beta 0.56, country premium for Brazil. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Assurant, Inc that is -28.5 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has Assurant, Inc (A1SU34) delivered so far?
Over the past 3 years revenue at Assurant, Inc grew +7.9 % a year. The price currently implies -28.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Assurant, Inc (A1SU34) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into Assurant, Inc (-28.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Assurant, Inc (A1SU34)?
The free-cash-flow yield on the price is 48.09 %: that much free cash flow Assurant, Inc produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Assurant, Inc (A1SU34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Assurant, Inc it is R$175.95 per share (as of Oct 3, 2026), against a price of R$348.60. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Assurant, Inc stock overvalued or undervalued in 2026?
As of Oct 3, 2026, A1SU34 trades above its calculated fair value: price R$348.60, fair value R$175.95, a gap of about −50% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of A1SU34?
No. The price is what the market pays today (R$348.60); the fair value is what the company's own numbers justify (R$175.95). For Assurant, Inc the two are R$172.65 per share apart. That gap is exactly why we show both numbers side by side.
How much is Assurant, Inc worth?
The market values Assurant, Inc at about R$64.8B (market capitalisation, as of Oct 3, 2026). Per share that is R$348.60; our models calculate a fair value of R$175.95 per share.
What do the bullish and bearish scenarios say about A1SU34?
Our models span a range for Assurant, Inc: cautious scenario R$146.20, base R$175.95, optimistic R$245.37 per share (as of Oct 3, 2026, price R$348.60). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is A1SU34 from its 52-week high?
Assurant, Inc trades at R$348.60, about 6% below its 52-week high of R$369.99 and 23% above the low of R$282.74 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of R$175.95 is for.
Which stocks are comparable to Assurant, Inc?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Assurant, Inc stock attractive at the current price?
The data as of Oct 3, 2026: price R$348.60, calculated fair value R$175.95 (−50%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of A1SU34 calculated?
We run Assurant, Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$175.95, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Assurant, Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Assurant, Inc (A1SU34)?
The closing price on Oct 2, 2026 was R$348.60. Our model-based fair value is R$175.95, about −50% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Assurant, Inc right now?
The price sits above even our optimistic bull case (R$245.37). The favourable scenario is already priced in. Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Assurant, Inc
How large is the market capitalisation of Assurant, Inc (A1SU34)?
The market capitalisation of Assurant, Inc is R$64.8B (≈ $12.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Assurant, Inc (A1SU34)?
The price-to-earnings ratio of Assurant, Inc is 13.8. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Assurant, Inc (A1SU34)?
The price-to-sales ratio of Assurant, Inc is 0.94 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Assurant, Inc (A1SU34)?
Earnings per share at Assurant, Inc are R$25.26 (price ÷ EPS = P/E 13.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Assurant, Inc (A1SU34)?
The dividend yield of Assurant, Inc is 1.0% (payout 13.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Assurant, Inc (A1SU34)?
The net margin of Assurant, Inc is 6.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Assurant, Inc (A1SU34)?
The return on equity (ROE) of Assurant, Inc is 18.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Assurant, Inc (A1SU34)?
On an EBIT basis the return on assets of Assurant, Inc is 2.6% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Assurant, Inc (A1SU34)?
The operating margin of Assurant, Inc is 10.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Assurant, Inc (A1SU34)?
Revenue at Assurant, Inc is growing +11.3% versus a year earlier (3y avg +7.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Assurant, Inc (A1SU34)?
Earnings per share at Assurant, Inc are growing +91.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Assurant, Inc (A1SU34) carry?
The net debt of Assurant, Inc is $373M (fiscal year 2025, ≈ 0.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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