AIZ · NYSE · STOCK
Assurant (AIZ) Stock Analysis
$266.24
52W $206.03 – $303.94
60/100
$13.20B
12.5
0.53
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is AIZ Bullish or Bearish?
Bullish.
Innellis AI committee rates Assurant (AIZ) Buy with a composite score of 60/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.25 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 — -4.75 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 committee is genuinely divided. Value Analyst sees a compelling case — p/e of 12.6 is inexpensive for the broad market. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 12.6 is inexpensive for the broad market — Value
- ROE of 18.0% shows genuine earnings power backing the valuation — Value
- EPS growing 53.4% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- 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 October 10, 2026
Overall Committee Score
60/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 50%
of 211 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 12.6 is inexpensive for the broad market
Growth Analyst
bullish
68
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 53.4% YoY
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
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
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 59.8 to 59.8.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
43.8
Neutral
MACD Histogram
0.354
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$210.45
Resistance
$302.45
Bollinger %B
0.34
Inside Bands
Price vs Moving Averages
EMA 9
$268.24
Below
EMA 21
$271.13
Below
EMA 50
$273.92
Below
EMA 200
$255.12
Above
Fundamental Analysis
Valuation
97
Growth
76
Profitability
59
Financial Health
70
Cash Flow
70
Valuation
P/E Ratio
12.5×
P/B Ratio
2.16×
PEG Ratio
0.24
Dividend Yield
1.32%
52W High
$303.94
52W Low
$206.03
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 12.5 (inexpensive relative to a 15-40x range); Price-to-book of 2.2x; PEG ratio of 0.2 (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 1.27 (tight short-term liquidity); Debt-to-equity of 0.36; Free cash flow per share is positive (33.43); 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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