Assurant, Inc. (FRA:ZAS)

Assurant Statistics

Total Valuation

Assurant has a market cap or net worth of EUR 9.85 billion. The enterprise value is 10.28 billion.

Market Cap	9.85B
Enterprise Value	10.28B

Important Dates

The next estimated earnings date is Tuesday, February 3, 2026.

Earnings Date	Feb 3, 2026
Ex-Dividend Date	Dec 1, 2025

Share Statistics

Current Share Class	50.08M
Shares Outstanding	n/a
Shares Change (YoY)	-2.24%
Shares Change (QoQ)	-0.49%
Owned by Insiders (%)	0.49%
Owned by Institutions (%)	97.53%
Float	49.79M

Valuation Ratios

The trailing PE ratio is 13.62 and the forward PE ratio is 11.01.

PE Ratio	13.62
Forward PE	11.01
PS Ratio	0.92
PB Ratio	2.01
P/TBV Ratio	4.48
P/FCF Ratio	11.32
P/OCF Ratio	9.13
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.31, with an EV/FCF ratio of 11.81.

EV / Earnings	14.21
EV / Sales	0.95
EV / EBITDA	8.31
EV / EBIT	10.20
EV / FCF	11.81

Financial Position

The company has a current ratio of 0.41, with a Debt / Equity ratio of 0.38.

Current Ratio	0.41
Quick Ratio	0.15
Debt / Equity	0.38
Debt / EBITDA	1.54
Debt / FCF	2.16
Interest Coverage	10.80

Financial Efficiency

Return on equity (ROE) is 15.41% and return on invested capital (ROIC) is 9.55%.

Return on Equity (ROE)	15.41%
Return on Assets (ROA)	2.05%
Return on Invested Capital (ROIC)	9.55%
Return on Capital Employed (ROCE)	13.57%
Revenue Per Employee	754,388
Profits Per Employee	50,946
Employee Count	14,200
Asset Turnover	0.35
Inventory Turnover	n/a

Taxes

In the past 12 months, Assurant has paid 174.81 million in taxes.

Income Tax	174.81M
Effective Tax Rate	19.46%

Stock Price Statistics

The stock price has decreased by -9.26% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-9.26%
50-Day Moving Average	186.66
200-Day Moving Average	178.72
Relative Strength Index (RSI)	60.71
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	2.22

Income Statement

In the last 12 months, Assurant had revenue of EUR 10.71 billion and earned 723.43 million in profits. Earnings per share was 13.99.

Revenue	10.71B
Gross Profit	1.23B
Operating Income	996.17M
Pretax Income	898.24M
Net Income	723.43M
EBITDA	1.20B
EBIT	996.17M
Earnings Per Share (EPS)	13.99

Balance Sheet

The company has 1.75 billion in cash and 1.88 billion in debt, giving a net cash position of -420.95 million.

Cash & Cash Equivalents	1.75B
Total Debt	1.88B
Net Cash	-420.95M
Net Cash Per Share	n/a
Equity (Book Value)	4.91B
Book Value Per Share	97.77
Working Capital	-13.65B

Cash Flow

In the last 12 months, operating cash flow was 1.08 billion and capital expenditures -208.13 million, giving a free cash flow of 870.62 million.

Operating Cash Flow	1.08B
Capital Expenditures	-208.13M
Free Cash Flow	870.62M
FCF Per Share	n/a

Margins

Gross margin is 11.49%, with operating and profit margins of 9.30% and 6.75%.

Gross Margin	11.49%
Operating Margin	9.30%
Pretax Margin	8.39%
Profit Margin	6.75%
EBITDA Margin	11.22%
EBIT Margin	9.30%
FCF Margin	8.13%

Dividends & Yields

This stock pays an annual dividend of 2.91, which amounts to a dividend yield of 1.50%.

Dividend Per Share	2.91
Dividend Yield	1.50%
Dividend Growth (YoY)	6.47%
Years of Dividend Growth	21
Payout Ratio	19.47%
Buyback Yield	2.24%
Shareholder Yield	3.74%
Earnings Yield	7.34%
FCF Yield	8.84%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5