Assurant Revenue vs. Cash Flow From Operations
| AIZN Stock | USD 21.71 0.28 1.27% |
Total Revenue | First Reported 2003-03-31 | Previous Quarter 2.9 B | Current Value 3 B | Quarterly Volatility 356.6 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.8 | 0.9 |
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| Net Profit Margin | 0.0325 | 0.0577 |
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| Operating Profit Margin | 0.055 | 0.0577 |
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| Pretax Profit Margin | 0.0821 | 0.0725 |
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| Return On Assets | 0.0201 | 0.0191 |
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| Return On Equity | 0.14 | 0.1336 |
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For Assurant profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Assurant to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Assurant utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Assurant's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Assurant over time as well as its relative position and ranking within its peers.
Assurant |
Assurant's Revenue Breakdown by Earning Segment
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Is Multi-line Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Assurant. If investors know Assurant will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Assurant listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Return On Equity 0.0746 |
The market value of Assurant is measured differently than its book value, which is the value of Assurant that is recorded on the company's balance sheet. Investors also form their own opinion of Assurant's value that differs from its market value or its book value, called intrinsic value, which is Assurant's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Assurant's market value can be influenced by many factors that don't directly affect Assurant's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Assurant's value and its price as these two are different measures arrived at by different means. Investors typically determine if Assurant is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Assurant's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Assurant Cash Flow From Operations vs. Revenue Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Assurant's current stock value. Our valuation model uses many indicators to compare Assurant value to that of its competitors to determine the firm's financial worth. Assurant is the top company in revenue category among its peers. It is rated second in cash flow from operations category among its peers making about 0.10 of Cash Flow From Operations per Revenue. The ratio of Revenue to Cash Flow From Operations for Assurant is roughly 9.78 . At this time, Assurant's Total Revenue is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Assurant's earnings, one of the primary drivers of an investment's value.Assurant Revenue vs. Competition
Assurant is the top company in revenue category among its peers. Market size based on revenue of Financials industry is presently estimated at about 25.87 Billion. Assurant totals roughly 11.13 Billion in revenue claiming about 43% of equities under Financials industry.
Assurant Cash Flow From Operations vs. Revenue
Revenue is income that a firm generates from business activities such us rendering services or selling goods to customers. It is a crucial part of a business and an essential item when evaluating a company's financial statements. Revenues from a firm's primary business operations can be reported on the income statement as sales revenue, net sales, or simply sales, depending on the industry in which a given company operates.
Assurant |
| = | 11.13 B |
Revenue is typically recorded when cash or cash equivalents are exchanged for services or goods and can include products or services discounts, promotions, as well as early payments on invoices or services rendered in advance.
Operating Cash Flow reveals the quality of a company's reported earnings and is calculated by deducting company's income taxes from earnings before interest, taxes, and depreciation (EBITDA). In other words, Operating Cash Flow refers to the amount of cash a firm generates from the sales or products or from rendering services. Operating Cash Flow typically excludes costs associated with long-term investments or investment in marketable securities and is usually used by investors or analysts to check on the quality of a company's earnings.
Assurant |
| = | 1.14 B |
Operating Cash Flow shows the difference between reported income and actual cash flows of the company. If a firm does not have enough cash or cash equivalents to cover its current liabilities, then both investors and management should be concerned about the company having enough liquid resources to meet current and long term debt obligations.
Assurant Cash Flow From Operations Comparison
Assurant is currently under evaluation in cash flow from operations category among its peers.
Assurant Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Assurant, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Assurant will eventually generate negative long term returns. The profitability progress is the general direction of Assurant's change in net profit over the period of time. It can combine multiple indicators of Assurant, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -765 M | -726.8 M | |
| Operating Income | 642.5 M | 657.7 M | |
| Income Before Tax | 806.8 M | 679.3 M | |
| Total Other Income Expense Net | 164.3 M | 172.5 M | |
| Net Income | 642.5 M | 456.3 M | |
| Income Tax Expense | 164.3 M | 149.2 M | |
| Interest Income | 104.7 M | 125.8 M | |
| Net Income Applicable To Common Shares | 318.1 M | 589.8 M | |
| Net Income From Continuing Ops | 248.9 M | 355.4 M | |
| Non Operating Income Net Other | -161.7 M | -153.6 M | |
| Change To Netincome | 320.9 M | 268.4 M | |
| Net Income Per Share | 12.02 | 12.62 | |
| Income Quality | 1.77 | 1.42 | |
| Net Income Per E B T | 0.80 | 0.42 |
Assurant Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Assurant. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Assurant position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Assurant's important profitability drivers and their relationship over time.
Use Assurant in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Assurant position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Assurant will appreciate offsetting losses from the drop in the long position's value.Assurant Pair Trading
Assurant Pair Trading Analysis
The ability to find closely correlated positions to Assurant could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Assurant when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Assurant - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Assurant to buy it.
The correlation of Assurant is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Assurant moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Assurant moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Assurant can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Use Investing Themes to Complement your Assurant position
In addition to having Assurant in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Check out Trending Equities. To learn 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.
To fully project Assurant's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Assurant at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Assurant's income statement, its balance sheet, and the statement of cash flows.