AIZ · NASDAQ · STOCK
Assurant
$287.96
52W $203.16 – $303.94
63/100
$14.35B
13.6
0.54
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
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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