Assurant, Inc. 5.25% Subordinat (AIZN) Fair Value & Analysis
Financials · US · Market cap $9.4B · ISIN US04621X3061
What is Assurant, Inc. 5.25% Subordinat really worth?
Assurant, Inc. 5.25% Subordinat
AIZN · US
A solid business, trading 18% below our fair value of $22.31.
Strengths
Risks
For context
Fair value as of: Aug 24, 2026
From 6 valuation models · updated 12 days ago
Fair value updated Aug 24, 2026, revised from $22.72 to $22.31 (−1.8%) since Aug 13, 2026. Share price −4.7% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
- Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 24, 2026.
How to read this chart
60‑month range $14.75 – $21.20 · fair‑value band $16.73 – $27.89 · the $18.19 price screens below the $22.31 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 24, 2026.
Analysis
Assurant, Inc. 5.25% Subordinat (AIZN) currently trades at $18.19, while our model-based Fair Value estimate is $22.31, implying the stock looks roughly 18.5% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Financials sector. Bull case: the Multiples group reads highest at a median of $15.95 per share, and 1 of the 6 models we run sit above the $18.19 price. Bear case: the Dividend Discount group reads lowest at $4.27, and 5 of the 6 models stay below the price. Evidence for this calculation is low.
It earns a return on equity of 7.5%. Net debt stands at $373M. Fundamentals as of Aug 24, 2026
Our scenario range runs from $16.73 (bear case) to $27.89 (bull case); at $18.19, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 16% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financials peers we cover trades at 47% fair-value upside, at 23%, AIZN screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples ($15.95) versus Dividend Discount ($4.27). Highest evidence: DDM Multi-Stage (67).
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Key figures & financial health
Figures from reported company fundamentals · as of Aug 24, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 48
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Assurant, Inc. 5.25% Subordinat reported revenue of $12.8B in FY2025 versus $10.2B in FY2021, a compound +5.9%/yr. Reported net income was $873M in FY2025, compounding −10.5%/yr from FY2021.
of which total revenue +2.9 % · buybacks/dilution +3.0 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Assurant signals mid-single-digit 2026 adjusted EBITDA and EPS growth, with buybacks toward upper end of $300M-$350M
- Assurant chief operating officer Francesca Luthi to step down in September
Peer Group
Financials · 3318 stocks
How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Multi-line Insurance” was too small, so the broader sector is used.)
Valuation Multiples vs Financials median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Multi-line Insurance stocks, each showing price versus our Fair Value estimate (as of Aug 24, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Ping An Insurance (Group) Company 82318 | HK$48.18 | HK$61.00 | +27% |
| AIA Group 81299 | HK$62.10 | HK$6.45 | −90% |
| Federal Home Loan Mortgage Corporation FMCKK | $13.00 | $26.00 | +100% |
| CGABL CGABL | $16.15 | $10.52 | −35% |
| American Financial Group AFGE | $16.12 | $13.69 | −15% |
| Reinsurance Group RZB | $25.34 | $43.96 | +73% |
| MGRB MGRB | $16.13 | $23.73 | +47% |
| Unum Group UNMA | $21.65 | $37.34 | +73% |
| Affiliated Managers Group MGR | $19.72 | $35.70 | +81% |
| BOCHGR BOCHGR | €10.50 | €11.80 | +12% |
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