Assurant (Germany) Buy Hold or Sell Recommendation
| ZAS Stock | EUR 200.00 2.00 0.99% |
Roughly 62% of Assurant's investor base is looking to short. The analysis of current outlook of investing in Assurant suggests that many traders are alarmed regarding Assurant's prospects. The current market sentiment, together with Assurant's historical and current headlines, can help investors time the market. In addition, many technical investors use Assurant stock news signals to limit their universe of possible portfolio assets.
Comfort Level 38
Alarmed
Panic | Confidence |
Today, several news technology companies offer sentiment data to assist traders in manufacturing news sentiment indicators for investment decisions. We partner with these technology firms in helping retail investors build forecasting models that use Assurant's input sentiment indicators derived from textual data and news published on major financial information outlets and social sites. These indicators can be used to analyze time-dependent numerical information representing public perception toward Assurant.
News SentimentNeutral | Hype SentimentBearish | Insider SentimentWaiting |
Assuming the 90 days horizon and your above-average risk tolerance, our recommendation regarding Assurant is 'Strong Sell'. Macroaxis provides Assurant buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding Assurant positions.
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 Sell
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Moves indifferently to market moves | Details | |
Analyst Consensus | Not Available | Details | |
Reporting Quality (M-Score) | Inapplicable | Details |
Assurant Trading Alerts and Improvement Suggestions
| Assurant has accumulated 2.13 B in total debt with debt to equity ratio (D/E) of 0.39, which is about average as compared to similar companies. Assurant has a current ratio of 0.58, indicating that it has a negative working capital and may not be able to pay financial obligations in time and when they become due. Debt can assist Assurant until it has trouble settling it off, either with new capital or with free cash flow. So, Assurant's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Assurant sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Assurant to invest in growth at high rates of return. When we think about Assurant's use of debt, we should always consider it together with cash and equity. | |
| Over 98.0% of Assurant outstanding shares are owned by institutional investors |
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 | 0.17 | Value At Risk | -1.96 | Potential Upside | 2.12 | Standard Deviation | 1.21 |
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 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 Financial Services 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 | 0.17 | |
β | Beta against Dow Jones | -0.14 | |
σ | Overall volatility | 1.21 | |
Ir | Information ratio | 0.07 |
Assurant Volatility Alert
Assurant has relatively low volatility with skewness of 0.23 and kurtosis of 0.73. 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 | 0.0571 | -0.31 |
| Return On Asset | 0.0097 | -0.14 |
| Profit Margin | 0.03 % | (1.27) % |
| Operating Margin | 0.05 % | (5.51) % |
| Current Valuation | 7.19 B | 16.62 B |
| Shares Outstanding | 52.92 M | 571.82 M |
| Shares Owned By Insiders | 0.94 % | 10.09 % |
| Shares Owned By Institutions | 97.74 % | 39.21 % |
| Price To Earning | 22.31 X | 28.72 X |
| Price To Book | 1.66 X | 9.51 X |
| Price To Sales | 0.61 X | 11.42 X |
| Revenue | 10.19 B | 9.43 B |
| Gross Profit | 714.4 M | 27.38 B |
| EBITDA | 702 M | 3.9 B |
| Net Income | 276.6 M | 570.98 M |
| Cash And Equivalents | 2.56 B | 2.7 B |
| Cash Per Share | 44.24 X | 5.01 X |
| Total Debt | 2.13 B | 5.32 B |
| Debt To Equity | 0.39 % | 48.70 % |
| Current Ratio | 0.59 X | 2.16 X |
| Book Value Per Share | 80.04 X | 1.93 K |
| Cash Flow From Operations | 596.9 M | 971.22 M |
| Earnings Per Share | 4.76 X | 3.12 X |
| Target Price | 191.0 | |
| Number Of Employees | 13.7 K | 18.84 K |
| Beta | 0.54 | -0.15 |
| Market Capitalization | 6.25 B | 19.03 B |
| Total Asset | 33.12 B | 29.47 B |
| Z Score | 1.2 | 8.72 |
| Annual Yield | 0.02 % | |
| Five Year Return | 1.86 % | |
| Net Asset | 33.12 B | |
| Last Dividend Paid | 2.74 |
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.
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 200.0 | |||
| Day Typical Price | 200.0 | |||
| Price Action Indicator | (1.00) | |||
| Period Momentum Indicator | (2.00) | |||
| Relative Strength Index | 55.38 |
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 Information and Resources on Investing in Assurant Stock
When determining whether Assurant offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Assurant's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Assurant Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Assurant Stock: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 detail on how to invest in Assurant Stock please use our How to Invest in Assurant guide.You can also try the Portfolio Optimization module to compute new portfolio that will generate highest expected return given your specified tolerance for risk.