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Assurant

Financial Services Updated August 09, 2026
$287.96
52W $203.16 – $303.94
63/100
$14.35B
13.6
0.54
AI Committee Verdict
Buy
63/100
Conviction: High · 83% agreement · 6 analysts
-27.2%
High

Is AIZ Bullish or Bearish?

Bullish. Innellis AI committee rates Assurant (AIZ) Buy with a composite score of 63/100 , based on 6 analysts with 83% agreement. Last updated August 09, 2026.

What Would Change This View

Upgrade to Strong Buy
Requires a committee score of 75.0 — +11.60 from today. Applies on the first day at or above the line; upgrades are never dampened.
Downgrade to Watch
Requires the score to fall below 55.0 — -8.40 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.

Executive Summary

The primary driver is p/e of 14.3 is inexpensive for the broad market. The main limiting factor is current ratio of 0.03 is tight -- limited short-term liquidity cushion. The committee is constructive but not yet at full conviction.

Bull & Bear Case

Bull Case
  • P/E of 14.3 is inexpensive for the broad market — Value
  • ROE of 17.4% shows genuine earnings power backing the valuation — Value
  • EPS growing 54.0% YoY — Growth
  • 5 consecutive earnings beats -- consistent execution — Growth
  • Price structure making higher highs and higher lows — Technical
  • MACD histogram positive -- bullish momentum — Technical
Bear Case
  • Weekly RSI at 86 -- overbought on the larger timeframe too — Technical
  • Current ratio of 0.03 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or forward-looking judgement. They summarise what the numbers say today.
Price History (6M)

AI Investment Committee

Committee Consensus As of August 09, 2026
Overall Committee Score
63/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 47%
of 142 Financial Services peers
Value Analyst bullish
70 / 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.3 is inexpensive for the broad market
Growth Analyst bullish
68 / 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 54.0% YoY
Technical Analyst bullish
69 / 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Weekly RSI at 86 -- overbought on the larger timeframe too
Risk Analyst bearish
35 / 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.03 is tight -- limited short-term liquidity cushion
Macro Analyst bullish
70 / 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst bullish
68 / 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 30 articles, 14d)
Portfolio Manager neutral
55 / 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
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Investment Thesis Evolution

Committee score moved marginally from 63.4 to 63.4.

Comparing 2026-08-08 to 2026-08-09 (1 day apart).

Technical Analysis

RSI (14)
57.5
Neutral
MACD Histogram
0.971
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.79
Inside Bands
Price vs Moving Averages
EMA 9
$287.17 Above
EMA 21
$281.47 Above
EMA 50
$270.81 Above
EMA 200
$243.03 Above

Fundamental Analysis

Valuation
96
Growth
76
Profitability
59
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio 13.6×
P/B Ratio 2.35×
PEG Ratio 0.26
Dividend Yield 1.19%
52W High $303.94
52W Low $203.16
Quality & Growth
ROE 1486.3%
ROA 240.5%
Gross Margin 7812.2%
Operating Margin 986.3%
Revenue Growth YoY
Debt / Equity 0.36
AI Fundamental Assessment
P/E ratio of 13.6 (inexpensive relative to a 15-40x range); Price-to-book of 2.4x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 14.9%; Return on assets of 2.4%; Net margin of 7.9%; Gross margin of 78.1%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 0.36; Free cash flow per share is positive (35.31); Most recent quarter beat estimates by 22.5%; 5 consecutive earnings beats; EPS growth roughly steady (+6.1% -> +7.7% QoQ); Average YoY EPS growth of 25.7%; Analyst estimates falling over recent quarters
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