AIZ · NYSE · STOCK
Assurant (AIZ) Stock Analysis
$283.96
52W $205.01 – $303.94
66/100
$14.07B
13.4
0.54
Is AIZ Bullish or Bearish?
Bullish.
Innellis AI committee rates Assurant (AIZ) Buy with a composite score of 66/100
, based on 4 analysts with 75% agreement.
Last updated August 24, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.06 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 — -10.94 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 5 consecutive earnings beats -- consistent execution. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
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 24, 2026
Overall Committee Score
66/100
Agreement
75%
Analysts
4
Conviction
High
Sector Rank
Top 22%
of 211 Financial Services peers
Growth Analyst
bullish
80
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
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
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score strengthened from 59.5 to 65.9.
- Conviction changed from moderate to high.
- Committee agreement increased modestly from 67% to 75%.
- Bullish support removed: 3 signal(s) disappeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) abstained: Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst: score 68->80 (+12).
- Risk Analyst abstained (was bearish at 35).
- Value Analyst abstained (was bullish at 70).
Comparing 2026-08-23 to 2026-08-24 (1 day apart).
Technical Analysis
RSI (14)
54.6
Neutral
MACD Histogram
-1.044
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.51
Inside Bands
Price vs Moving Averages
EMA 9
$282.34
Above
EMA 21
$281.67
Above
EMA 50
$274.46
Above
EMA 200
$246.73
Above
Fundamental Analysis
Valuation
96
Growth
76
Profitability
59
Financial Health
70
Cash Flow
70
Valuation
P/E Ratio
13.4×
P/B Ratio
2.31×
PEG Ratio
0.25
Dividend Yield
1.21%
52W High
$303.94
52W Low
$205.01
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 13.4 (inexpensive relative to a 15-40x range); Price-to-book of 2.3x; 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 1.27 (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
Get the Full AIZ Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →