Assurant, Inc. 5.25% Subordinat
Assurant, Inc. 5.25% Subordinat Fundamental Analysis
Assurant, Inc. 5.25% Subordinat (AIZN) shows moderate financial fundamentals with a PE ratio of 12.68, profit margin of 6.81%, and ROE of 15.61%. The company generates $12.8B in annual revenue with moderate year-over-year growth of 6.70%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 58.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze AIZN's fundamental strength across five key dimensions:
Efficiency Score
WeakAIZN struggles to generate sufficient returns from assets.
Valuation Score
ModerateAIZN shows balanced valuation metrics.
Growth Score
ExcellentAIZN delivers strong and consistent growth momentum.
Financial Health Score
ModerateAIZN shows balanced financial health with some risks.
Profitability Score
ModerateAIZN maintains healthy but balanced margins.
Key Financial Metrics
Is AIZN Expensive or Cheap?
P/E Ratio
AIZN trades at 12.68 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, AIZN's PEG of 3.50 indicates potential overvaluation.
Price to Book
The market values Assurant, Inc. 5.25% Subordinat at 1.88 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.75 times EBITDA. This is generally considered low.
How Well Does AIZN Make Money?
Net Profit Margin
For every $100 in sales, Assurant, Inc. 5.25% Subordinat keeps $6.81 as profit after all expenses.
Operating Margin
Core operations generate 8.49 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.61 in profit for every $100 of shareholder equity.
ROA
Assurant, Inc. 5.25% Subordinat generates $2.40 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Assurant, Inc. 5.25% Subordinat produces operating cash flow of $1.83B, showing steady but balanced cash generation.
Free Cash Flow
Assurant, Inc. 5.25% Subordinat generates strong free cash flow of $1.59B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $31.84 in free cash annually.
FCF Yield
AIZN converts 14.56% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.68
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.50
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.88
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.86
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.38
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.16
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How AIZN Stacks Against Its Sector Peers
| Metric | AIZN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.68 | 18.73 | Better (Cheaper) |
| ROE | 15.61% | 847.00% | Weak |
| Net Margin | 6.81% | 3919.00% | Weak |
| Debt/Equity | 0.38 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 2.40% | -21563.00% (disorted) | Weak |
AIZN outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Assurant, Inc. 5.25% Subordinat's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
39.84%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
135.64%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
11.82%
Industry Style: Value, Dividend, Cyclical
High Growth