Intrinsic value of Assurant, Inc. (AIZ)

[per Chepakovich valuation model]

other valuations of AIZ

[per Chepakovich valuation model]  See other valuations of AIZ stock

Previous Close$161.23
Intrinsic Value
Upside potential
Previous Close
$161.23

VALUATION INPUT DATA

Revenue, mln $
Initial revenue growth rate (norm.), %
Variable cost ratio, %
Fixed operating expenses, mln $
Production assets / Revenue, %
Working capital / Revenue, %
Interest rate on debt, %
Life of production assets, yrs
Initial discount rate, %
Shares outstanding, mln
Adjusted equity ratio
Adjusted assets / Revenue
Based on fiscal year data as of 2020-12-31 and quarterly data as of 2020-12-31.
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.
  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2020(a)2021202220232024202520262027202820292030203120322033203420352036203720382039204020412042204320442045

INCOME STATEMENT

Revenue growth rate, %0.1NaN
Revenue, $10095NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m9574NaN
Operating income, $m521NaN
EBITDA, $m655NaN
Interest expense (income), $mNaN
Earnings before tax, $m496NaN
Tax expense, $m73NaN
Net income, $m423NaN

BALANCE SHEET

Cash and short-term investments, $m2229NaN
Total assets, $m44650NaN
Adjusted assets (=assets-cash), $m42421NaN
Average production assets, $m5128NaN
Working capital, $m-20270NaN
Total debt, $m2253NaN
Total liabilities, $m38695NaN
Total equity, $m5955NaN
Debt-to-equity ratio0.378NaN
Adjusted equity ratio0.088NaN

CASH FLOW

Net income, $m423NaN
Depreciation, amort., depletion, $m134NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m1342NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-121NaN
Free cash flow, $m1463NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-20270
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN