AIZ
AssurantNYSEFinancialsInsurance - Property & CasualtySnapshot 2026-05-08
As of May 8, 2026, AIZ has a composite score of 21.4, categorized as "mild favorable." The score reflects strengths in management (57.5) and valuation (73.6), while macro factors such as a negative macro score of -7.7 and sector score of 14.6 are driving some unfavorable signals. The analysis is provisional.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)-0.34
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $5.28 → $5.17 (-2.0% / 30d). 0 raised, 2 cut, 4 covering analysts.
0 upgrades, 0 downgrades / 30d, 1 maintained. 86% of analysts rate Buy.
1 positive, 0 negative / 30d. See F4 management tile for the event list.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
6 material events in the last 24 months — top 5 listed below.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Maintain consistent EBITDA growthgrowthbehind14% progress
2/10: “Adjusted EBITDA, excluding reportable catastrophes, to be consistent with 2025 levels, or to increase mid-to-high single digits.”
Why this status
Stated in 6 of last 6 quarters. Adjusted EBITDA, excluding reportable catastrophes, increased 11 percent from $1,569.4 million in 2024 to $1,734.4 million in 2025. The trajectory shows consistent growth, aligning with management's stated priority.
- 2.Increase adjusted earnings per sharegrowthbehind14% progress
2/10: “Adjusted earnings, excluding reportable catastrophes, per diluted share to be consistent with 2025 levels, or increase mid-to-high single digits.”
Why this status
Stated in 6 of last 6 quarters. Adjusted earnings, excluding reportable catastrophes, per diluted share increased 12 percent from $20.35 in 2024 to $22.81 in 2025. The trajectory aligns with management's priority for growth.
- 3.Enhance Global Housing EBITDAgrowthbehind14% progress
2/10: “Global Housing Adjusted EBITDA, excluding reportable catastrophes, to decrease, with solid underlying growth.”
Why this status
Stated in 6 of last 6 quarters. Global Housing Adjusted EBITDA, excluding reportable catastrophes, increased 15 percent from $916.4 million in 2024 to $1,057.5 million in 2025. The trajectory shows solid growth, consistent with management's focus.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 20%; 252d 25%.
Drawdown — Max 1y −13%. Bad day move −2%.
Beta to sector ETF (XLF) — 0.81 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 58/100, drawdown 75/100, beta 81/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Maintain consistent EBITDA growth
GrowthNew since 2026-05-04Focus on achieving consistent growth in Adjusted EBITDA, excluding reportable catastrophes.
BehindStated in 6 of last 6 quarters. Adjusted EBITDA, excluding reportable catastrophes, increased 11 percent from $1,569.4 million in 2024 to $1,734.4 million in 2025. The trajectory shows consistent growth, aligning with management's stated priority.
Adjusted EBITDA, excluding reportable catastrophes, increased 11 percent14%CEO/CFO:“Adjusted EBITDA, excluding reportable catastrophes, to be consistent with 2025 levels, or to increase mid-to-high single digits.”Press releaseSource dated 2026-02-10Stated 6 of last 8 quartersFirst seen 2026-05-04Show history (6)
- 2025-Q4Press release
“Adjusted EBITDA, excluding reportable catastrophes, increased 11 percent.”
- 2025-Q3Press release
“Adjusted EBITDA growth to approach 10%, both excluding reportable catastrophes.”
- 2025-Q2Press release
“Adjusted EBITDA to increase mid- to high single-digits, both excluding reportable catastrophes.”
- 2025-Q1Press release
“Adjusted EBITDA, excluding reportable catastrophes, to increase modestly.”
- 2024-Q4Press release
“Adjusted EBITDA, excluding reportable catastrophes, increased 15 percent.”
- 2024-Q3Press release
“Adjusted EBITDA, excluding reportable catastrophes, increased 8 percent.”
- #2
Increase adjusted earnings per share
GrowthNew since 2026-05-04Aim for growth in adjusted earnings per share, excluding reportable catastrophes.
Watch →BehindStated in 6 of last 6 quarters. Adjusted earnings, excluding reportable catastrophes, per diluted share increased 12 percent from $20.35 in 2024 to $22.81 in 2025. The trajectory aligns with management's priority for growth.
Adjusted earnings, excluding reportable catastrophes, per diluted share increased 12 percent14%CEO/CFO:“Adjusted earnings, excluding reportable catastrophes, per diluted share to be consistent with 2025 levels, or increase mid-to-high single digits.”Press releaseSource dated 2026-02-10Stated 6 of last 8 quartersFirst seen 2026-05-04Show history (6)
- 2025-Q4Press release
“Adjusted earnings, excluding reportable catastrophes, per diluted share increased 12 percent.”
- 2025-Q3Press release
“Adjusted earnings per share to increase low double-digits, excluding reportable catastrophes.”
- 2025-Q2Press release
“Adjusted earnings per share to approach 10% growth, excluding reportable catastrophes.”
- 2025-Q1Press release
“Adjusted earnings, excluding reportable catastrophes, per diluted share growth rate to increase modestly.”
- 2024-Q4Press release
“Adjusted earnings, excluding reportable catastrophes, per diluted share increased 19 percent.”
- 2024-Q3Press release
“Adjusted earnings, excluding reportable catastrophes, per diluted share increased 9 percent.”
- #3
Enhance Global Housing EBITDA
GrowthNew since 2026-05-04Focus on increasing Adjusted EBITDA in the Global Housing segment, excluding reportable catastrophes.
Watch →BehindStated in 6 of last 6 quarters. Global Housing Adjusted EBITDA, excluding reportable catastrophes, increased 15 percent from $916.4 million in 2024 to $1,057.5 million in 2025. The trajectory shows solid growth, consistent with management's focus.
Global Housing Adjusted EBITDA, excluding reportable catastrophes, increased 15 percent14%CEO/CFO:“Global Housing Adjusted EBITDA, excluding reportable catastrophes, to decrease, with solid underlying growth.”Press releaseSource dated 2026-02-10Stated 6 of last 8 quartersFirst seen 2026-05-04Show history (6)
- 2025-Q4Press release
“Global Housing Adjusted EBITDA, excluding reportable catastrophes, increased 15 percent.”
- 2025-Q3Press release
“Global Housing Adjusted EBITDA, excluding reportable catastrophes, to deliver strong growth.”
- 2025-Q2Press release
“Global Housing Adjusted EBITDA, excluding reportable catastrophes, to deliver strong growth.”
- 2025-Q1Press release
“Global Housing Adjusted EBITDA, excluding reportable catastrophes, now expected to increase.”
- 2024-Q4Press release
“Global Housing Adjusted EBITDA, excluding reportable catastrophes, increased 34 percent.”
- 2024-Q3Press release
“Global Housing Adjusted EBITDA, excluding reportable catastrophes, increased 20 percent.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Roughly priced in line with peers.
Cheaper than its own typical valuation.
P/E over the last 5 years
68 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
AIZ Assurant | +21 | inexpensive | moderate |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is cut (currently RAISED as of 2026-05-05)-16 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
- If growth state reverses from +0.25 (positive) to -0.25 (negative)-3.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-054d agoItem 2.02
shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that Section 18, and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in any such filing.
earnings preannouncementpositivescore 66 - 2026-02-102mo agoItem 2.02
shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that Section 18, and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in any such filing.
earnings preannouncementneutralscore 9 - 2026-01-283mo agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On January 28, 2026, the Board of Directors (the “Board”) of Assurant, Inc. (the “Company”) appointed Lynn Blake to the Board and to the Finance and Risk Committee and Nominating and Corporate Governance Committee of the Board, subject to customary regulatory approval. Ms. Blake most recently served as Executive Vice President and Chief Investment…
executive changeneutralscore 6 - 2025-11-046mo agoItem 2.02
shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that Section 18, and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in any such filing.
earnings preannouncementpositivescore 1 - 2025-08-128mo agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On August 12, 2025, Assurant, Inc. (the “Company”) announced the appointment of Michael P. Campbell to serve as Executive Vice President, Chief Operating Officer, effective September 15, 2025 (the “Effective Date”). Mr. Campbell, 58, most recently served as Executive Vice President and President, Global Housing, since 2019. Prior to that, Mr. Campb…
executive changeneutralscore 0
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.