Assurant (AIZ)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
$285.74-0.68%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
QuarterlyIQ Insights · AIZ
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -3.9% |
| Our one-year growth estimate | diamond | 7.0% |
Growth built into the price is above our model estimate.
The price assumes 10.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 33 industry peers · Company calendar date is not available
AIZ — officer change
Dated 2026-05-22
The filing pertains to an amendment of the equity incentive plan, not a management change.
Why it matters: This growth rate is important for checking profits. A slowdown may hurt investor trust.
Worry ifAdjusted earnings per diluted share growth below 5% year over year.
Less concerning ifAdjusted earnings per diluted share growth at or above 5% year over year.
Why it matters: This would show the company is serious about giving money back to shareholders.
Supportive ifThey announced share buybacks over $900 million after Q2 earnings.
Worry ifNo share buybacks were announced after Q2 earnings.
Why it matters: The sale proceeds are expected to fund share buybacks. This could enhance shareholder value.
Supportive ifThey will announce share buybacks of about $900 million.
Worry ifThere is no news on share buybacks after the sale.
Why it matters: A drop shows problems in this area. It affects overall performance.
Worry ifQ3 Global Housing Adjusted EBITDA growth drops compared to last year.
Less concerning ifQ3 Global Housing Adjusted EBITDA growth is up from last year.
Why it matters: This cash helps fund growth. It also returns money to shareholders.
Worry ifSegment cash generation was less than $2.9 billion.
Less concerning ifSegment cash generation was $2.9 billion or more.
Why it matters: Management aims for at least 12% growth. Falling short could indicate weakening performance.
Worry ifAdjusted earnings per share growth reported below 12%.
Less concerning ifAdjusted earnings per share growth reported at 12% or higher.
Why it matters: Revenue growth is a key indicator of sector health. A drop could signal broader issues.
Worry ifRevenue growth reported below 15%.
Less concerning ifRevenue growth reported at 15% or higher.
Why it matters: Changes in ratings can affect Assurant's borrowing costs and how investors feel.
Worry ifFinancial strength ratings remain stable or improve.
Less concerning ifFinancial strength ratings decline.
Why it matters: This growth rate signals if Assurant can maintain its earnings momentum. A drop below 10% may raise concerns about future performance.
Worry ifQ3 Adjusted EBITDA growth below 10% year over year.
Less concerning ifQ3 Adjusted EBITDA growth at or above 10% year over year.
Why it matters: Slower growth in this area could hurt overall performance. It is key for Assurant's profits.
Worry ifGlobal Lifestyle segment earnings growth is under 10% from last year.
Less concerning ifGlobal Lifestyle segment earnings growth at or above 10% year over year.
Why it matters: This growth rate is crucial for assessing the health of Assurant's core business. A decline could indicate weakening demand.
Worry ifQ3 net earned premiums growth below 9% year over year.
Less concerning ifQ3 net earned premiums growth at or above 9% year over year.
Why it matters: Going over this amount shows strong investment and faith in future earnings. It shows management's promise to return money to shareholders.
Supportive ifShare repurchases exceed $350 million for the year.
Worry ifShare repurchases fall below $300 million for the year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$75 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $204 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,258 loss on $10,000 · 12.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.