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Intrinsic value of Assurant, Inc. (AIZ)

Previous Close$155.29
Intrinsic Value
Upside potential
Previous Close
$155.29
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh404.99 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Assurant, Inc., together with its subsidiaries, provides lifestyle and housing solutions that support, protect, and connect consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company operates through three segments: Global Lifestyle, Global Housing, and Global Preneed. The Global Lifestyle segment provides mobile device protection products and services, and extended service contracts for consumer electronics and appliances, as well as assistance services; vehicle protection and related services; and credit and other insurance services. The Global Housing segment offers lender-placed homeowners insurance, manufactured housing, and flood insurance; and renters insurance and related products, as well as voluntary manufactured housing insurance, homeowners insurance, and other specialty products. The Global Preneed segment provides pre-funded funeral insurance, final need insurance, and related services. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in New York, New York.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %6.2NaN
Revenue, $10188NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m9405NaN
Operating income, $m783NaN
EBITDA, $m955NaN
Interest expense (income), $mNaN
Earnings before tax, $m622NaN
Tax expense, $m170NaN
Net income, $m452NaN

BALANCE SHEET

Cash and short-term investments, $m2041NaN
Total assets, $m27733NaN
Adjusted assets (=assets-cash), $m25692NaN
Average production assets, $m3850NaN
Working capital, $m-14616NaN
Total debt, $m2263NaN
Total liabilities, $m22243NaN
Total equity, $m5490NaN
Debt-to-equity ratio0.412NaN
Adjusted equity ratio0.134NaN

CASH FLOW

Net income, $m452NaN
Depreciation, amort., depletion, $m172NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m782NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-187NaN
Free cash flow, $m969NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-14616
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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