| Company Name: | Assurant, Inc. | | Ticker Symbol: | AIZ | | | WWW Address: | www.assurant.com |
| CEO: | Robert B. Pollock | | No. of Employees: | 15,000 |
| Common Issue Type: | CS | | Business Description: | The Company is a provider of specialized insurance products and related services in North America and selected other international markets.
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| | | Industry Information: | INSURANCE - Accident & Health Insurance [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 49.71 |  -0.34 | - | - | 49.72 | 49.89 | 49.49 | 569761 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 3,827.2 | 77.0 | 1.39 | 5.67 | 0.81 | 9.4 | 2.0 | 51.19 - 32.41 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 49.71 | $ | | PE Ratio - LTM | 9.4 | |
| Market Capitalisation | 3,827.2 | mil |
| Latest Shares Outstanding | 77.0 | mil |
| Earnings pS (EPS) | 5.67 | $ |
| Dividend pS (DPS) | 0.81 | ¢ |
| Dividend Yield | 2.0 | % |
| Dividend Payout Ratio | 14 | % |
| Revenue per Employee | 582,758 | $ |
| Effective Tax Rate | 36.2 | % |
| Float | 78.0 | mil |
| Float as % of Shares Outstanding | 99.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 9.0 | % |
| Pre-Tax Profit Margin | 8.3 | % |
| Assets Turnover | 0.3 | % |
| Return on Assets (ROA) | 1.5 | % |
| Return on Equity (ROE) | 8.4 | % |
| Return on Capital Invested (ROCI) | 6.4 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 5.7 | |
| Interest Cover | 12.8 | |
| Total Debt/Equity (Gearing Ratio) | 0.32 | |
| LT Debt/Total Capital | 24.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 67.63 | $ |
| Tangible Book-Value pS | 54.71 | $ |
| Cash Flow pS | 5.69 | $ |
| Free Cash Flow pS | 7.76 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.74 | |
| Price/Tangible Book Ratio | 0.91 | |
| Price/Cash Flow | 8.7 | |
| Price/Free Cash Flow | 6.4 | |
| P/E as % of Industry Group | 48.0 | % |
| P/E as % of Sector Segment | 101.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 05/09/2013 |
| Dividend Ex-Date | 05/22/2013 |
| Dividend Record Date | 05/27/2013 |
| Dividend Pay Date | 06/10/2013 |
| Dividend Amount | 250 |
| Type of Payment | Cash Payment |
| Dividend Rate | 1.00 |
| Current Dividend Yield | 2.0 |
| 5-Y Average Dividend Yield | 1.9 |
| Payout Ratio | 14.0 |
| 5-Y Average Payout Ratio | 17.0 |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
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 | |
| |
| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -0.3 | 101 | 5,742 | 30,499 |
| 4 Weeks | 51.19 | 46.72 | 46.52 | 6.9 | 102 | 6,685 | 133,707 |
| 13 Weeks | 51.19 | 40.17 | 41.64 | 19.4 | 110 | 7,976 | 510,441 |
| 26 Weeks | 51.19 | 33.62 | 34.35 | 44.7 | 124 | 8,714 | 1,089,238 |
| 52 Weeks | 51.19 | 32.41 | 33.25 | 49.5 | 119 | 8,854 | 2,204,717 |
| YTD | 51.19 | 34.83 | - | 43.3 | 124 | 8,618 | 861,784 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 50.12 | 49.59 | 46.89 | 40.81 | 39.73 | 1.39 | 0.87 |
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| |
| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -0.42 | 23.2 | -0.78 |
| Income | 4.56 | 6.9 | 17.77 |
| Dividend | 10.21 | 98.6 | 10.35 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 3.7 | 3.7 | 2.8 |
| Earnings % | -27.9 | -27.9 | -11.4 |
| EPS % | -19.3 | -19.3 | 1.6 |
| EPS $ | -0.35 | -0.35 | 0.09 |
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| |
| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 6.56 |
| Free Cash Flow Margin 5YEAR AVG | 5.75 |
| Cash-Flow pS | 8.07 |
| Free Cash-Flow pS | 7.04 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 5.58 |
| Debt Ratio | 82.09 |
| Total Debt/Equity (Gearing Ratio) | 0.19 |
| LT Debt/Equity | 0.19 |
| LT Debt/Capital Invested | 15.79 |
| LT Debt/Total Liabilities | 4.09 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.32 |
| Tobin's Q Ratio | 0.14 |
| Current P/E Ratio - LTM | 9.40 |
| Enterprise Value (EV)/EBITDA | 0.04 |
| Enterprise Value (EV)/Free Cash Flow | 5.86 |
| Dividend Yield | 2.0 |
| Price/Tangible Book Ratio - LTM | 0.91 |
| Price/Book Ratio - LTM | 0.74 |
| Price/Cash Flow Ratio | 8.7 |
| Price/Free Cash Flow Ratio - LTM | 6.4 |
| P/E Ratio (1 month ago) - LTM | 9.0 |
| P/E Ratio (26 weeks ago) - LTM | 4.9 |
| P/E Ratio (52 weeks ago) - LTM | 5.6 |
| 5-Y High P/E Ratio | 18.9 |
| 5-Y Low P/E Ratio | 3.3 |
| 5-Y Average P/E Ratio | 9.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 104 |
| P/E as % of Industry Group | 48.0 |
| P/E as % of Sector Segment | 101.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 9.4 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 54.71 |
| Book Value pS - LTM | 67.63 |
| Capital Invested pS | 79.98 |
| Cash Flow pS - LTM | 5.69 |
| Free Cash Flow pS - LTM | 7.76 |
| Earnings pS (EPS) | 5.67 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 9.33 |
| Return on Equity (ROE) - 5YEAR AVRG. | 9.3 |
| Return on Capital Invested (ROCI) | 7.86 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 7.7 |
| Return on Assets (ROA) | 1.67 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.6 |
| EBIT Margin - LTM | 9.0 |
| EBITDA Margin - LTM | 9.0 |
| Pre-Tax Profit Margin | 8.91 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 7.87 |
| Net Profit Margin | 5.69 |
| Net Profit Margin - 5YEAR AVRG. | 5.14 |
| Effective Tax Rate | 36.17 |
| Effective Tax Rate - 5YEAR AVRG. | 34.72 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 588,080 |
| Net Income per Employee - LTM | 30,015 |
| Assets/Revenue - LTM | 333.33 |
| Assets/Revenue - 5YEAR AVRG. | 311.91 |
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