Assurant, Inc. 5.25% Subordinat (AIZN) Fair Value & Analysis
Financials · US · Market cap $9.4B
Assurant, Inc. 5.25% Subordinat
AIZN · US
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 6 days ago
Fair value updated Aug 13, 2026, revised from $23.13 to $22.72 (−1.8%) since Jul 25, 2026. Share price −4.8% over the past month.
A solid business, screening 22% undervalued on our models.
What matters now
- Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range ($17.04 to $38.16) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range $14.75 – $21.20 · fair‑value band $17.04 – $38.16 · the $18.61 price screens below the $22.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Assurant, Inc. 5.25% Subordinat (AIZN) currently trades at $18.61, while our model-based Fair Value estimate is $22.72, implying the stock looks roughly 22.1% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Financials sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
It earns a return on equity of 7.5%. Net debt stands at $373M. Fundamentals as of Aug 13, 2026
Our scenario range runs from $17.04 (bear case) to $38.16 (bull case); at $18.61, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 14% below its 52-week high and 1% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financials peers we cover trades at 73% fair-value upside, at 22%, AIZN screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($16.31) versus Dividend Discount ($4.37). Highest evidence: Residual Income (76).
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Key figures & financial health
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 49
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Assurant, Inc. 5.25% Subordinat reported revenue of $12.8B in FY2025 versus $10.2B in FY2021, a compound +5.9%/yr. Reported net income was $873M in FY2025, compounding −10.5%/yr from FY2021.
of which total revenue +2.9 pp · buybacks/dilution +3.1 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
Watch AIZN: get an alert when its fair value changes →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Assurant signals mid-single-digit 2026 adjusted EBITDA and EPS growth, with buybacks toward upper end of $300M-$350M
- Assurant chief operating officer Francesca Luthi to step down in September
Peer Group
Financials · 3173 stocks
How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Multi-line Insurance” was too small, so the broader sector is used.)
Valuation Multiples vs Financials median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Multi-line Insurance stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCKK | $13.00 | $26.00 | +100% |
| CGABL CGABL | $16.15 | $10.52 | -35% |
| American Financial Group AFGE | $16.12 | $13.69 | -15% |
| Reinsurance Group RZB | $25.34 | $43.96 | +73% |
| MGRB MGRB | $16.41 | $26.47 | +61% |
| Unum Group UNMA | $20.98 | $36.20 | +73% |
| Affiliated Managers Group MGR | $19.98 | $36.17 | +81% |
| BOCHGR BOCHGR | €10.80 | €18.42 | +71% |
| 540755 540755 | ₹348.25 | ₹696.50 | +100% |
| 532134 532134 | ₹247.00 | ₹187.35 | -24% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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