| Company Name: | Assurant Inc | | Ticker Symbol: | AIZ | | CIK Number: | 0001267238 | | WWW Address: | http://www.assurant.com |
| CEO: | Mr. Alan B. Colberg | | No. of Employees: | 16,600 |
| Common Issue Type: | CS | | Business Description: | Assurant, Inc. 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 | | 90.14 |  -1.14 | - | - | 90.92 | 91.06 | 90.13 | 258898 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 5,426.8 | 60.2 | 0.00 | 2.08 | 2.00 | 43.9 | 2.2 | 91.52 - 64.37 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 90.13 | $ | | PE Ratio - LTM | 43.9 | |
| Market Capitalisation | 5,426.8 | mil |
| Latest Shares Outstanding | 60.2 | mil |
| Earnings pS (EPS) | 2.08 | $ |
| Dividend pS (DPS) | 2.00 | ¢ |
| Dividend Yield | 2.2 | % |
| Dividend Payout Ratio | | % |
| Revenue per Employee | 582,758 | $ |
| Effective Tax Rate | 36.2 | % |
| Float | 64.2 | mil |
| Float as % of Shares Outstanding | 1.0 | % |
| 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 | 0.0 | % |
| Pre-Tax Profit Margin | 1.9 | % |
| Assets Turnover | 33.5 | % |
| Return on Assets (ROA) | 0.5 | % |
| Return on Equity (ROE) | 2.9 | % |
| Return on Capital Invested (ROCI) | 0.0 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 6.6 | |
| Interest Cover | | |
| Total Debt/Equity (Gearing Ratio) | 0.26 | |
| LT Debt/Total Capital | 21.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 76.54 | $ |
| Tangible Book-Value pS | 56.01 | $ |
| Cash Flow pS | -3.26 | $ |
| Free Cash Flow pS | -4.78 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.18 | |
| Price/Tangible Book Ratio | 0.00 | |
| Price/Cash Flow | -27.6 | |
| Price/Free Cash Flow | -18.9 | |
| P/E as % of Industry Group | 48.0 | % |
| P/E as % of Sector Segment | 99.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | Cash Payment |
| Dividend Rate | 2.00 |
| Current Dividend Yield | 2.2 |
| 5-Y Average Dividend Yield | 1.9 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 17.0 |
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|  | | Share price performance previous 3 years |
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 | | | 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 | - | - | - | 3.9 | 3 | 363,041 | 1,631,805 |
| 4 Weeks | 91.52 | 87.00 | 87.69 | 4.1 | 4 | 325,539 | 6,510,791 |
| 13 Weeks | 91.52 | 80.83 | 83.21 | 9.7 | 3 | 320,066 | 20,484,276 |
| 26 Weeks | 91.52 | 76.33 | 77.66 | 17.5 | 11 | 405,603 | 51,511,687 |
| 52 Weeks | 91.52 | 64.37 | 78.13 | 16.8 | 5 | 491,289 | 123,804,878 |
| YTD | 91.52 | 64.37 | - | 16.3 | 9 | 501,936 | 92,356,236 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 90.20 | 89.28 | 87.17 | 83.99 | 82.24 | 0.00 | 0.00 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 0.04 | 0.2 | 0.07 |
| Income | -0.13 | 0.0 | -0.34 |
| Dividend | 0.17 | 0.5 | 0.19 |
| Capital Spending | -0.14 | NA | -0.28 |
| 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 | -2.15 |
| Free Cash Flow Margin 5YEAR AVG | 1.45 |
| Cash-Flow pS | 0.00 |
| Free Cash-Flow pS | 7.04 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 6.64 |
| Debt Ratio | 84.94 |
| Total Debt/Equity (Gearing Ratio) | 0.26 |
| LT Debt/Equity | 0.26 |
| LT Debt/Capital Invested | 20.57 |
| LT Debt/Total Liabilities | 4.59 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.18 |
| Current P/E Ratio - LTM | 43.90 |
| Enterprise Value (EV)/EBITDA | 0.00 |
| Enterprise Value (EV)/Free Cash Flow | 19.56 |
| Dividend Yield | 2.2 |
| Price/Tangible Book Ratio - LTM | 0.00 |
| Price/Book Ratio - LTM | 1.18 |
| Price/Cash Flow Ratio | -27.6 |
| Price/Free Cash Flow Ratio - LTM | -18.9 |
| P/E Ratio (1 month ago) - LTM | 9.1 |
| P/E Ratio (26 weeks ago) - LTM | 5.0 |
| P/E Ratio (52 weeks ago) - LTM | 5.7 |
| 5-Y High P/E Ratio | 13.2 |
| 5-Y Low P/E Ratio | 4.7 |
| 5-Y Average P/E Ratio | 9.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 45 |
| P/E as % of Industry Group | 48.0 |
| P/E as % of Sector Segment | 99.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 9.6 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 56.01 |
| Book Value pS - LTM | 76.54 |
| Capital Invested pS | 94.60 |
| Cash Flow pS - LTM | -3.26 |
| Free Cash Flow pS - LTM | -4.78 |
| Earnings pS (EPS) | 2.08 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 3.13 |
| Return on Equity (ROE) - 5YEAR AVRG. | 0.1 |
| Return on Capital Invested (ROCI) | 2.49 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | |
| Return on Assets (ROA) | 0.47 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.0 |
| EBIT Margin - LTM | 2.5 |
| EBITDA Margin - LTM | 0.0 |
| Pre-Tax Profit Margin | 40.49 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 28.88 |
| Net Profit Margin | 1.37 |
| Net Profit Margin - 5YEAR AVRG. | 4.72 |
| Effective Tax Rate | 1.43 |
| Effective Tax Rate - 5YEAR AVRG. | 15.01 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 588,080 |
| Net Income per Employee - LTM | 30,015 |
| Assets/Revenue - LTM | 0.00 |
| Assets/Revenue - 5YEAR AVRG. | 318.28 |
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