Calculated
DCF
Free cash flow, growth, discount rate, and terminal growth form an intrinsic value range.
829.59 USD1,435.60 USD1,938.69 USD
-83.76%
1,435.60 USDCurrent price is 83.8% below the base model value.
A
US
AIZ.US · ASSURANT, INC.
US · US
Latest price233.10 USD
30D-4.82%
Vs. base value-76.9%
Research summary
AIZ.US latest organized financial period shows revenue grew +7.89% YoY and net income grew +14.8% YoY. Current price is about 233 USD, while the model base case is about 1,011 USD; the current price sits -76.9% versus the base case. The page shows both reported and adjusted views; valuation still defaults to reported figures, while adjusted figures help isolate structured one-time-item impact. This summary is intended for public-information research and model review.
Key financial trend
Annual financial metrics with switchable views. · Unit: USD
Revenue13B USD
Net income873M USD
Free cash flow2B USD
Operating cash flow2B USD
Price trend
Price date: 2026/04/29 · Updated: 2026/04/29 15:24
Valuation model range
Hover each model row to inspect formulas and inputs.
Current price233.10 USD
Base value1,010.51 USD
Vs. base-76.9%
Price date2026/04/29
595.72 USD1,010.51 USD1,350.75 USD
-76.93%
Calculated
Owner Earnings
Uses recent net income as an owner-earnings proxy and discounts scenario growth.
361.85 USD585.42 USD762.80 USD
-60.18%
585.42 USDCurrent price is 60.2% below the base model value.Adjusted reference: 632.65 USD
Calculated
Reverse DCF
Solves the forward FCF growth rate implied by the current price.
Implied growth-8.1%
Current price implies roughly -8.1% annualized FCF growth.
-8.1%Current price implies roughly -8.1% annualized FCF growth.
Excluded
Earnings Power Value
Estimates earnings power value without assuming growth.
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-Operating income data is insufficient.
Updated: 2026/04/29 15:24
Valuation basis and non-recurring items
Collapsed by default. Expand to inspect structured one-time items and adjusted figures without making them the primary page focus.
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Valuation basis and non-recurring items
Collapsed by default. Expand to inspect structured one-time items and adjusted figures without making them the primary page focus.
A positive amountAfterTax means the item increased reported net income; a negative value means it reduced reported net income. Adjusted net income = reported net income minus total after-tax impact. Valuation defaults to reported figures; adjusted figures are shown to observe one-time-item impact.
| Period | Item | Category | After-tax impact | Confidence |
|---|---|---|---|---|
| 2025/12/31 | Business sale gain/loss | Asset sale gain/loss | -8M USD | Medium |
| 2024/12/31 | Business sale gain/loss | Asset sale gain/loss | -14M USD | Medium |
| 2021/12/31 | Other special charges | Other | -16M USD | Medium |
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Quarterly and annual financial table
Financial DetailsShowing latest 5 / 13
| Period | Type | Revenue | Net Income | Adjusted net income | Free Cash Flow | Diluted EPS | Adjusted EPS |
|---|---|---|---|---|---|---|---|
| 2025/12/31 | Annual | 13B USD | 873M USD | 881M USD | 2B USD | 16.93 | 17.09 |
| 2024/12/31 | Annual | 12B USD | 760M USD | 774M USD | 1B USD | 14.46 | 14.72 |
| 2023/12/31 | Annual | 11B USD | 643M USD | - | 936M USD | 11.95 | - |
| 2022/12/31 | Annual | 10B USD | 277M USD | - | 411M USD | 5.05 | - |
| 2021/12/31 | Annual | - | - | - | - | - | - |
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