2 models fit Assurant Inc. Common Stock and they agree: 2 of 2 land within 15% of the average. The price is above every model.
Two or more of our models back this value.
Near fair value(i)Silver69
Valued as an insurer: Residual income, P/E comparison, and Dividend discount.
ACCE opinionAssurant Inc. Common Stock (AIZ)
Fair value (2 models)
$257
ACCE price target
$287
Rating
Fairly valued
Horizon
12 months
Fair value published on 11 Oct 2026, 00:00 CEST; previously $263 since 30 Sept 2026, 00:00 CEST.
ACCE price target published on 10 Oct 2026, 00:00 CEST.
Rating published on 20 Oct 2026, 15:04 CEST.
Price used: $285 at the close on 23 Oct 2026, 22:00 CEST.
Models: Dividend discount, P/E comparison, and Residual income.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
Price vs fair value
10.7% above
-9.7% to fair value
ACCE score
76
out of 100
Analysts
100% buy
7 covering
P/E
13.6x
forward 12.1x
1-year return
+34.6%
Dividend yield
1.22%
Assurant Inc. Common Stock in four questions
Plain answers, details below
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Overview
ACCE thesis
Assurant writes specialty insurance that most investors never see: extended warranties and service contracts on consumer electronics and appliances sold through retail partners, plus lender-placed homeowners coverage and renters and auto products sold through its Global Lifestyle and Global Housing segments. The competitive edge is distribution, since embedded contracts with large retailers and mortgage servicers create recurring, hard-to-replicate channels that a standalone insurer would need years to build. Revenue growth of 9.4% combined with an 18.3% return on equity and a forward P/E of 12.1, against a trailing 13.6, suggests the market is pricing in little of that durability. The score of 74/100 and the absence of index membership at a $14.0B market cap make it a candidate for a closer look at whether earnings growth is sustaining the margin profile, since the reported 11.7% operating margin and 13.3% gross margin will need to hold as the book scales.
⚠ Investor warnings · 2 flagsAI-assisted·How I use AI
moderate
Insider selling without buys
Last 10 disclosed insider transactions show $3.54M in sales and no buys. Insiders own only 0.7% of the company, so the signal is weak but one-directional.
moderate
Price near model fair value
The stock trades 10.7% above the model fair value of $257.23 and sits 0.8% below the ACCE price target of $287.00, leaving little margin of error on valuation.
AI research notes
AI-assisted·How I use AIWritten Oct 20, 2026 · figures from 2026-06-30 · prices to Oct 23, 2026
Why it could do well
Earnings per share beat expectations by 24.2%, reporting 6.41 against 5.16 expected in the latest quarter.
Free cash flow over the last twelve months reached $1.6B, and the stock offers an 11.4% free cash flow yield.
Assurant shrank its diluted share count by 4.5% last year, lifting per-share value for remaining holders, and returns 18.3% on equity.
Why it could disappoint
Shares trade 10.7% above the model fair value of $257.23, and the consensus of valuation models sits below the current price.
Revenue grew 9.4% year over year, but the five-year average is only 5.9% per year, so the recent jump may not last.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Next results
Nov 3, 2026
We update the fair value about 2 days after the results, once the new figures are filed.Add to calendarGoogle
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Valuation
INVESTOR
Where AIZ's valuation models land
Price
$284.75
Model fair value
$257
Model range
$250 to $266
Fair value $257
Price $285
The price is above the whole model range.
Model
Fair value
Upside
Dividend discount
P/E comparison
Residual income
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Quality
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