| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 77 | 13.4x | 17.8x | Top tier | |
Growth | 66 | 9.4% | 7.1% | Top tier | |
Quality | 91 | — | — | Top tier | |
Safety | 23 | — | — | Bottom tier | |
Capital Return | 42 | 1.22% | 2.12% | Around median | |
Momentum | 93 | 38.6% | 2.9% | Top tier | |
Sentiment | 40 | 5 | 3 | Around median |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Assurant, Inc. (AIZ) operates as a business-to-business-to-consumer partner, generating revenue from protection services, specialty insurance, and embedded solutions across its Global Lifestyle and Global Housing segments. Global Lifestyle includes device protection, reverse logistics, replacement and upgrade services, claims fulfillment, card benefits, and vehicle service contracts, while Global Housing provides lender-placed insurance, renters insurance through Cover360, and home protection services. Management says the mix of fees, specialty protection products, and embedded partnerships generates recurring revenue streams and reduces reliance on traditional insurance cycles.
In fiscal Q2 2026, revenue was $3.4542 billion, net income was $298.6 million, and earnings per share were $5.95, compared with revenue of approximately $3.4 billion, net income of $274.1 million, and earnings per share of $5.41 in fiscal Q1 2026. Adjusted EBITDA and adjusted earnings per share, excluding reportable catastrophes, increased 18% and 19%, respectively, in fiscal Q2 2026. The provided data does not include a gross profit or gross margin figure, so the improvement in profitability is measured here through net income and adjusted earnings metrics.
Global Lifestyle led operating performance, with adjusted EBITDA increasing 21% in fiscal Q2 2026, including growth of 29% in Connected Living and 6% in Global Automotive. Global Housing generated adjusted EBITDA of $275 million, or $287 million excluding $12 million of reportable catastrophes, representing growth of 18%. On a trailing twelve-month basis, Assurant recorded revenue of $13.2 billion, net income of $1 billion, and earnings per share of approximately $19.93, compared with revenue of $12.8 billion and net income of $872.7 million in fiscal 2025.
The average analyst price target is $327.5, within a range of $310 to $355, with a "Buy" consensus. The average is approximately 7.8% above the 52-week range high of $303.94, while the lowest target also exceeds that high. The 52-week range extends from $205.01 to $303.94, and the data does not include a valid price-to-earnings multiple for assessing valuation. Therefore, the available value assessment relies primarily on analyst targets relative to the annual trading record, while considering housing loss risks, lower reserve benefits, and nonrecurring benefits in Connected Living.
Figures in the text are as of 2026-08-29; the live price is shown at the top of the page.
Assurant's fiscal Q2 2026 revenue was approximately $3.4542 billion, net income was $298.6 million, and earnings per share were $5.95. Adjusted EBITDA increased 18%, and adjusted earnings per share increased 19%, excluding reportable catastrophes. Global Lifestyle led growth at 21%, while Global Housing grew 18% excluding catastrophes.
Connected Living's adjusted EBITDA increased 29% in fiscal Q2 2026, or 22% after excluding approximately $10 million of nonrecurring benefits. The supply chain serviced more than 7 million devices, an increase of approximately 1.8 million devices year over year, and protection programs added more than 4 million covered devices. Expansion drivers included the transfer of the UScellular portfolio and a deeper relationship with T-Mobile, alongside programs with Telstra, Best Buy, and Chase Card Services.
Assurant began providing lender-placed insurance services to Freedom Mortgage during fiscal Q2 2026. The partnership covers a top-ten U.S. mortgage servicer with approximately 2.6 million loans and helped increase the loans tracked by Assurant by 9% to more than 34 million. Management expects policies associated with the partnership to ramp over twelve months, more than offsetting the impact of the loan portfolio transferred to a non-customer servicer.
Automated analysis for informational purposes only — not investment advice.
Assurant expects mid-single-digit growth in both adjusted EBITDA and adjusted earnings per share, excluding reportable catastrophes. When excluding the $71 million impact from lower prior-year reserve developments, management expects underlying growth of approximately 10% in both metrics. It also raised the Global Lifestyle outlook to low-double-digit growth and expects modest growth in Global Housing excluding catastrophes.
Holding company liquidity was $911 million at the end of fiscal Q2 2026. The company returned $123 million to shareholders during the quarter, split between $75 million in share repurchases and $48 million in dividends, and it also declared quarterly dividends of $0.88 per share. Through July 31, 2026, share repurchases since the beginning of the fiscal year reached $230 million, and management raised its annual outlook to the high end of the $300–350 million range.
Global Housing benefited in fiscal Q2 2026 from fewer weather events and a non-catastrophe loss ratio of approximately 35%, so the same level of profitability may not recur under less favorable weather conditions. The placement rate also declined sequentially to 2.02% because part of a customer's portfolio was transferred to a non-customer servicer, and Connected Living's results included approximately $10 million of nonrecurring benefits. This is compounded by the $71 million impact of lower prior-year reserve developments, as well as competition in insurance technology and potential regulatory pressures cited in news dated August 18, 2026.
