Assurant Stock Buy Hold or Sell Recommendation
| AIZ Stock | USD 225.22 4.37 1.98% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding Assurant is 'Strong Hold'. A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Assurant given historical horizon and risk tolerance towards Assurant. When Macroaxis issues a 'buy' or 'sell' recommendation for Assurant, the advice is generated through an automated system that utilizes algorithms and statistical models.
Check out Assurant Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more information on how to buy Assurant Stock please use our How to Invest in Assurant guide. In addition, we conduct extensive research on individual companies such as Assurant and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Assurant. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.
Assurant |
Execute Assurant Buy or Sell Advice
The Assurant recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Assurant. Macroaxis does not own or have any residual interests in Assurant or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Assurant's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Small | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Assurant Trading Alerts and Improvement Suggestions
| Assurant is unlikely to experience financial distress in the next 2 years | |
| Assurant has 2.08 B in debt with debt to equity (D/E) ratio of 0.52, which is OK given its current industry classification. Assurant has a current ratio of 0.43, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Note however, debt could still be an excellent tool for Assurant to invest in growth at high rates of return. | |
| Over 99.0% of Assurant shares are held by institutions such as insurance companies | |
| On 30th of September 2024 Assurant paid $ 0.72 per share dividend to its current shareholders | |
| Latest headline from gurufocus.com: Assurant Appoints Kevin Warren to Board of Directors |
Assurant Returns Distribution Density
The distribution of Assurant's historical returns is an attempt to chart the uncertainty of Assurant's future price movements. The chart of the probability distribution of Assurant daily returns describes the distribution of returns around its average expected value. We use Assurant price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Assurant returns is essential to provide solid investment advice for Assurant.
| Mean Return | 0.24 | Value At Risk | -1.58 | Potential Upside | 1.71 | Standard Deviation | 1.40 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Assurant historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Assurant Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument, such as Assurant, soars without any apparent reason? This usually happens because many institutional investors are aggressively trading Assurant back and forth among themselves.
| Shares | T. Rowe Price Associates, Inc. | 2024-06-30 | 904.4 K | Nordea Investment Mgmt Bank Demark A/s | 2024-09-30 | 797.9 K | Lyrical Asset Management Lp | 2024-06-30 | 774.8 K | Dimensional Fund Advisors, Inc. | 2024-09-30 | 687.4 K | Norges Bank | 2024-06-30 | 680.2 K | Northern Trust Corp | 2024-09-30 | 675.5 K | Schroder Investment Management Group | 2024-06-30 | 587.8 K | Td Asset Management Inc | 2024-09-30 | 537.5 K | Macquarie Group Ltd | 2024-06-30 | 482.9 K | Vanguard Group Inc | 2024-09-30 | 6.8 M | T. Rowe Price Investment Management,inc. | 2024-09-30 | 5.1 M |
Assurant Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Dividends Paid | 170M | 173.3M | 162.3M | 150.2M | 152.3M | 109.7M | |
| Capital Expenditures | 110.3M | 121.2M | 187.4M | 186.3M | 202.5M | 212.6M | |
| Net Income | 382.6M | 441.8M | 1.4B | 276.6M | 642.5M | 441.1M | |
| End Period Cash Flow | 1.9B | 2.2B | 2.1B | 1.5B | 1.6B | 1.3B | |
| Change In Cash | 613.1M | 361.5M | (173.8M) | (518.1M) | 90.7M | 95.2M | |
| Free Cash Flow | 1.3B | 1.2B | 594.3M | 410.6M | 935.6M | 737.7M | |
| Depreciation | 125.8M | 144.3M | 171.6M | 182M | 196.4M | 121.0M | |
| Other Non Cash Items | 130.7M | 134.3M | (717.4M) | 230.2M | 71.6M | 75.2M | |
| Change To Inventory | 862.3M | 503.5M | 424.9M | (139.7M) | (160.7M) | (168.7M) | |
| Change To Netincome | 143.7M | 406.2M | 243.8M | 356.6M | 410.1M | 430.6M | |
| Investments | (82M) | (275.7M) | (784.7M) | (33.7M) | (768M) | (806.4M) | |
| Change Receivables | (416M) | (195.4M) | (439M) | (804.6M) | (724.1M) | (687.9M) | |
| Net Borrowings | (32.9M) | 243.7M | (72.6M) | (75.9M) | (87.3M) | (82.9M) |
Assurant Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Assurant or Insurance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Assurant's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Assurant stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.13 | |
β | Beta against Dow Jones | 1.18 | |
σ | Overall volatility | 1.43 | |
Ir | Information ratio | 0.11 |
Assurant Volatility Alert
Assurant has relatively low volatility with skewness of 0.48 and kurtosis of 10.86. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Assurant's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Assurant's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Assurant Fundamentals Vs Peers
Comparing Assurant's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Assurant's direct or indirect competition across all of the common fundamentals between Assurant and the related equities. This way, we can detect undervalued stocks with similar characteristics as Assurant or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Assurant's fundamental indicators could also be used in its relative valuation, which is a method of valuing Assurant by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Assurant to competition |
| Fundamentals | Assurant | Peer Average |
| Return On Equity | 0.15 | -0.31 |
| Return On Asset | 0.0187 | -0.14 |
| Profit Margin | 0.06 % | (1.27) % |
| Operating Margin | 0.06 % | (5.51) % |
| Current Valuation | 11.51 B | 16.62 B |
| Shares Outstanding | 51.29 M | 571.82 M |
| Shares Owned By Insiders | 0.60 % | 10.09 % |
| Shares Owned By Institutions | 98.70 % | 39.21 % |
| Number Of Shares Shorted | 697.14 K | 4.71 M |
| Price To Earning | 21.03 X | 28.72 X |
| Price To Book | 2.14 X | 9.51 X |
| Price To Sales | 0.96 X | 11.42 X |
| Revenue | 11.13 B | 9.43 B |
| Gross Profit | 714.4 M | 27.38 B |
| EBITDA | 1.12 B | 3.9 B |
| Net Income | 642.5 M | 570.98 M |
| Cash And Equivalents | 1.54 B | 2.7 B |
| Cash Per Share | 32.11 X | 5.01 X |
| Total Debt | 2.08 B | 5.32 B |
| Debt To Equity | 0.52 % | 48.70 % |
| Current Ratio | 0.44 X | 2.16 X |
| Book Value Per Share | 102.29 X | 1.93 K |
| Cash Flow From Operations | 1.14 B | 971.22 M |
| Short Ratio | 2.33 X | 4.00 X |
| Earnings Per Share | 14.00 X | 3.12 X |
| Price To Earnings To Growth | 1.46 X | 4.89 X |
| Target Price | 228.75 | |
| Number Of Employees | 13.6 K | 18.84 K |
| Beta | 0.57 | -0.15 |
| Market Capitalization | 11.33 B | 19.03 B |
| Total Asset | 33.64 B | 29.47 B |
| Retained Earnings | 4.03 B | 9.33 B |
| Annual Yield | 0.01 % |
Note: Disposition of 1611 shares by Keith Demmings of Assurant at 218.82 subject to Rule 16b-3 [view details]
Assurant Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Assurant . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Assurant Buy or Sell Advice
When is the right time to buy or sell Assurant? Buying financial instruments such as Assurant Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Additional Tools for Assurant Stock Analysis
When running Assurant's price analysis, check to measure Assurant's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Assurant is operating at the current time. Most of Assurant's value examination focuses on studying past and present price action to predict the probability of Assurant's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Assurant's price. Additionally, you may evaluate how the addition of Assurant to your portfolios can decrease your overall portfolio volatility.