Assurant (AIZ)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-07-08
$278.05-0.74%
Close 2026-07-08 · 1-day change
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Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 13 valuation methods, at three horizons. Current price $278.05. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $280 AIZ trades at 2.4× p/b, in line with its 2.1× p/b peer median, and our $297 fair value agrees. It's a high-confidence read. Analysts target $268–$310. Not investment advice.
$268.00 – $310.00 (median $290.00) · 7 analysts · as of 2026-07-06
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Around its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $290.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $660.48 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $724.96 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $59.96 | — | — | TTM | high |
| graham number | 12M | $242.70 | — | — | TTM | high |
| Mgmt guidance | 12M | $324.21 | 15.9 | 20.35 | Mgmt | high |
| Peer P/B | 12M | $244.05 | 2.1 | 116.93 | TTM | high |
| Peer P/FCF | 12M | $383.17 | 13.2 | 28.93 | TTM | high |
| Peer P/E | 12M | $356.71 | 15.9 | 22.39 | TTM | high |
| Peer P/S | 12M | $857.94 | 3.3 | 262.17 | TTM | high |
| residual income | 12M | $167.76 | — | — | TTM | high |
| Own P/E history | 12M | $274.70 | 12.3 | 22.39 | TTM | high |
| triangulated | 12M | $388.56 | 15.9 | 24.39 | Triangulated | high |
| Mgmt guidance | 3Y | $326.52 | 15.9 | 20.50 | Mgmt(prov.) | medium |
| Peer P/B | 3Y | $325.82 | 2.1 | 156.10 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $477.97 | 13.2 | 36.08 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $401.35 | 15.9 | 25.19 | Analyst | medium |
| Peer P/S | 3Y | $1070.69 | 3.3 | 327.18 | Analyst | medium |
| Own P/E history | 3Y | $309.08 | 12.3 | 25.19 | Analyst | medium |
| Mgmt guidance | 5Y | $328.07 | 15.9 | 20.59 | Mgmt(prov.) | high |
| Peer P/B | 5Y | $395.04 | 2.1 | 189.27 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $553.88 | 13.2 | 41.81 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $463.76 | 15.9 | 29.11 | Analyst | high |
| Peer P/S | 5Y | $1237.18 | 3.3 | 378.06 | Analyst | high |
| Own P/E history | 5Y | $357.14 | 12.3 | 29.11 | Analyst | high |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.