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Assurant

AIZ
63
Insurance - Property & Casualty · Financial Services
Also trades as: 0HIN.L GBP 2.88 (+1.12%)
Price
$288.85
+4.55 (+1.60%)
Market Cap
$14.25B
Winston Score
63
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 23, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Strong
21/30
Growth
Strong
15/20
Cash Flow
Exceptional
9/10
Stability
Strong
8/10
Valuation
Good
6/10
Ownership
Weak
2/15
Dividends
Mixed
2/5

63 of 100 counted points = Winston Score 63.

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Share count falling — buybacks

−16.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 60.1M (2021) → 50.2M (2025)

§Winston Score History

The full picture

Assurant is an insurance company that protects the things people buy — like smartphones, appliances, cars, and homes. Its main products are device protection plans, renters insurance, and lender-placed homeowners insurance, which banks require when a homeowner lets their regular insurance lapse. Assurant works mostly behind the scenes, partnering with big companies like mobile carriers, mortgage servicers, and retailers to offer these plans to their customers.

Assurant earns money through insurance premiums and service fees, collecting recurring payments from policyholders over time. It operates mainly in the United States but also has a presence in Canada, Europe, and Latin America, with roughly $12 billion in market value. Its biggest competitive advantage is its deep, long-term contracts with large partners like T-Mobile and major banks, which are difficult for rivals to displace. The key risk is that rising smartphone prices and slower device upgrade cycles could reduce demand for its device protection business, which is one of its largest revenue sources.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+9.4% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+31.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.7%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$12.2B cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Assurant is growing revenue at 9% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
78.3%
Premium pricing power — 78.3% gross margin
Profit after running costs
Operating Margin
10.9%
Modest — 10.9% operating margin
Return on the money invested
ROCE
16.0%
Strong — 16.0% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth
Sales YoY
+9.4%
Steady sales growth (+9.4% YoY)
Profit growth
EPS YoY
+52.8%
Earnings growing fast (+52.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash
Cash Conversion
176%
Turns 176% of profit into real cash
Spare cash per sale
FCF Margin
12.3%
Converts sales into free cash efficiently (12.3%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns
Debt / Equity
0.36
Conservative — low debt load (0.36)
Covers its interest
Interest Cover
11.76x
Comfortably covers interest (11.8x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
13.6x
Attractive valuation — P/E 13.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+0.8
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
1.24%
Small dividend — 1.24% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+10.0%
Dividend growing modestly (10.0% YoY)
Payout Ratio
17%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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