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► Investor Survey (help)
Buy / Sell Indicators (help) Assurant Inc Insider Buying / Selling? |
Assurant Inc Competitors
Transatlantic (NYSE:TRH) (0)
Torchmark (NYSE:TMK) (0)
Triple-S (NYSE:GTS) (0)
American Independence (NSDQ:AMIC) (0)
AMERISAFE (NSDQ:AMSF) (0)
Assurant Inc Highlights
Research Report ►(comments)
Assurant, Inc. offers insurance products internationally. The Assurant Solutions segment provides extended service contracts and warranties, preneed life insurance, credit insurance, and other products. The Assurant Specialty Property segment provides creditor-placed homeowners, renters, and auto insurance. The Assurant Health segment provides individual medical insurance. The Assurant Employee Benefits segment provides group denta, disability, and life insurance products.
Investment Impacts (help)
USA Country Analysis ► (edit / improve) The United States (US) has a highly productive, capitalist economy and is the largest and most diverse market in the world. Currency Analysis: the US dollar (USD) has the potential to increase in value especially versus the Australian and Canadian dollar because of the significant potential of undervalued companies (see investment flows analysis). Investor Survey: the economic environment is very favorable for long term economic growth due to high scores on economic freedom and economic diversity. Trade Analysis: China, Japan, Mexico, and Canada are the top US trading partners, while the leading export and import are electrical machinery and vehicles, respectively. Commodity Analysis: The US produces a significant amount of coal and wheat for use at home and as an export. However, the US consumes a larger amount of oil, which contributes to their trade deficit. SWOT Analysis: The leading US strength is their entrepreneurial culture, while the main weakness is high health care cost. Energy independence has the opportunity to propel growth, while the housing crisis may lower growth. Profit Conclusion: An undervalued currency, high investment flow potential and favorable business environment lead to a positive outlook for US investments.
Latest News
Assurant (AIZ) Appears On Investors Observer Hedged Dividend Income List With Positive 4 STARs S&P Rating 1257515963|%e %b %Y, %H:%M %Z|agohover
4-Star Stocks Poised to Pop: Assurant 1256911118|%e %b %Y, %H:%M %Z|agohover
IAS Expands Underwriting Relationship With Assurant Solutions 1256907711|%e %b %Y, %H:%M %Z|agohover
Moneygate Group signs agreement with Assurant Intermediary 1256896628|%e %b %Y, %H:%M %Z|agohover
LFUS, NEM, RAD, TER, XL, LNC, AET, AIZ Popular Stocks 1256844886|%e %b %Y, %H:%M %Z|agohover
AFLAC Inc. Beats Analyst Expectations; AFL, SFG, AIZ 1256783784|%e %b %Y, %H:%M %Z|agohover
Assurant Swings To 3Q Profit After Investment Losses In 2008 1256764595|%e %b %Y, %H:%M %Z|agohover
Assurant Reports Q3 2009 Net Operating Income of $126.2 Million, or $1.07 Per Diluted Share 1256763635|%e %b %Y, %H:%M %Z|agohover
Regions Financial Corp. Names John Owen to Head Consumer Services 1256652155|%e %b %Y, %H:%M %Z|agohover
Assurant to Host 2009 Third Quarter Results Webcast Conference Call at New 1256302864|%e %b %Y, %H:%M %Z|agohover
Financial Industry Analysis ► (edit / improve)
Importance of the Industry Analysis?
WikiWealth's industry analysis evaluates the major industry characteristics that affect investments within that industry. Company specific factors drive the performance of individual companies, but macro-economic industry factors can affect the performance of entire groups of stocks. For example, government regulation of the financial services industry affects every financial service company in different, but related ways. It is important to understand the large scale issues that affect an industry before examining the affects on every individual company.
Warren Buffett Quote: "When a management with a reputation for brilliance tackles a business with a reputation for bad economics, it is the reputation of the business that remains intact."
No matter the quality of your business, industry economics is an important factor in any investment decision.
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A professional industry analysis can cost between $150 to $15,000. WikiWealth's industry analysis is free and open to "improve / edit." WikiWealth has a range of skills and experience to complete any industry analysis or related financial request. See our professional services for more information.
Experiment Mode?
Useful for experimenting with the analysis without permanently changing the results for others. Click above to enter the experiment mode. Change any blue text to see how your changes affect the ending value of this company: Experiment Mode. The experiment mode is free and open to manipulate by anyone. Changes are not permanent.
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WikiWealth.com Industry Description: The financial services industry includes companies whose sales come from the management of money for individuals and institutions. Financial services companies include banks, insurance companies, brokerage, wealth management, and credit card companies… Read More.
WikiWealth.com Profit Analysis: The best way to profit from financial service stock investments is to find the most undervalued investments (Wall Street and Main Street buy ratings) during economic recessions. Those investments should be undervalued (see Wall Street Analysis on left side), and have high Main Street Common Sense investment ratings (see Main Street Analysis on right side). Interest rates are also lowest during this time period, which decreases the cost of borrowing money for financial service companies.
When an economic recovery occurs, financial stocks tend to outperform the general stock market, because consumers and businesses quickly resume spending on items such as cars or business loans they wanted, but resisted obtaining during tougher economic times. Eventually financial stocks become overvalued, because profits and stock prices increase past their fair values. During the last stages of an economic business cycle, just before a recession, it is best to sell financial stocks, because they are likely to decrease in price. Interest rates are highest at the end of recessions to fight inflation by making money for banks more expensive. Expensive (overvalued) stocks with low Main Street Common Sense ratings should be sold at any time to invest in better stocks. Two buys ratings are the best and two sell ratings are the worst possible stock investments. Click for more information: stock research ratings.
WikiWealth.com Industry Analysis: During economic recessions, consumers and businesses tend to cut back on expenses and investments to save money during tough economic times. Bank loans, equity or debt raising, general spending and many other financial activities slow during recessions. Less spending decreases business revenue and eventually decreases the stock prices of financial services companies. During economic recoveries, consumers have a greater desire to spend money and make business investments. Higher spending increases business revenue and eventually increases stock prices. During longer economic expansions, financial services may actually increase faster than the general market due to large investments by companies and mergers and acquisitions between companies. Consumers have more confidence in the stock market and increase stock investments and private business investments. Over-investment leads to higher inflation and higher interest rates, which make it harder to obtain money.
The return on money lent minus the expense of borrowing money equals the profits for many financial services companies. When interest rates increase, this raises the expense of borrowing money. Generally, interest rates increase near the end of the expansion phase of the business cycle to slow the potential for inflation. Interest rates are generally lowest during recessions, because inflation risk is lowest and the government wants to encourage business investments by making money relatively cheap to obtain.
| Financial Services Industry Statistics | Stat | Notes |
|---|---|---|
| Stock Rating | HOLD | … |
| Potential (safety margin) | -2% | … |
| WACC Analysis | 13% | … |
| Comparative Industrial Multiples | Stat | Notes |
| Revenue EV Multiple | 1.6x | … |
| EBITDA EV Multiple | 14.6x | High ~ Bad for investors |
| EBIT EV Multiple | 19.6x | High ~ Bad for investors |
| Cash Flow EV Multiple | 22.8x | Low ~ Good for investors |
| Book Value EV Multiple | 1.0x | … |
| Discounted Cash Flow | Stat | Notes |
| Revenue Growth | 14% | High ~ Good for investors |
| EBITDA Margin | 18% | … |
| EBIT Margin | 16% | … |
| Cash Flow Margin | 11% | … |
| Taxes Rate | 42% | High ~ Bad for investors |
| Debt-Equity Ratio | 5% | … |
| ROIC | 3% | … |
| Reinvestment Rate | -6% | … |
| WACC Discount Rate | Stat | Notes |
| Risk Free Rate | 4% | Low ~ Good for Investors |
| Cost of Debt | 7% | Low ~ Good for Investors |
| Equity Risk Premium | 5% | … |
| Debt Required Return of Debt | 5% | … |
| Required Return of Equity | 9% | … |
1 Investment potential (margin of safety) is a weighted average of the discounted cash flow analysis (DCF), the enterprise value (EV) market multiple analysis, and the Warren Buffett investment analysis. WikiWealth obtains 80% of their quantitative investment potential from fundamental investment analysis.
2 The weighted average cost of capital (WACC) analysis for the industry is a broad representation of the WACC for each individual company. A sub-industry WACC analysis offers both stability and accuracy for each individual company.
SWOT Analysis - Assurant Inc ► Add Your Input Below
What is a SWOT Analysis?
SWOT Analysis evaluates the strengths, weaknesses, opportunities, and threats involved in a business or project. The SWOT analysis is essential to understanding the many different risk and rewards of any investment.
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The quality and quantify of SWOT statements has a direct impact on stock ratings, and thus, company investments. A professional SWOT analysis cost a minimum of $150. WikiWealth's SWOT analysis is free and open to improve / edit. WikiWealth has a range of skills and experience to complete any SWOT analysis or related financial request. See our professional services for more information.
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WACC Discount Rate Analysis - Assurant Inc ► Experiment with AIZ's Analysis ►
How does this work?
This is the interactive wiki-based valuation report, based on a calculation of the WACC Discount Rate. WACC, weighted average cost of capital, is the rate used to determine business risk of a company. WikiWealth uses an industry average WACC calculation that increases the stability and accuracy of this calculation over stand alone approaches.
Importance?
The result of this calculation is an essential input for the discounted cash flow analysis. This method is widely used by investment professionals to determine the correct price of investments using the discounted cash flow analysis. WikiWealth has a range of skills and methods to value any public or private investment. See our professional services for more information.
Experiment Mode?
Useful for experimenting with the analysis without permanently changing the results for others. Change the "true" / "false" section to "include" or "exclude" specific companies. The entire analysis will automatically based on your changes. Click above to enter the experiment mode. Change any blue text to see changes: Experiment Mode
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Discounted Cash Flow Analysis - Assurant Inc ► Experiment with AIZ's Analysis ►
How does this work?
This is the interactive wiki-based valuation report, based on the Discounted Cash Flow Analysis. Discounted cash flow is the present value of all future cash flows generated by the business. Calculated as the cash flows generated by the business discounted by a rate that equals the risk to those future cash flows. The DCF tool is widely used by professional investment banking, corporate finance, equity stock research, and fund management industries. This sophisticated approach relies on hundreds of formulas and assumptions, which have a significant impact on the final value.
Importance?
This analysis is never given away freely, because it is so advanced and complicated. Many investment professionals charge hundred of dollars just to see the results from this approach, but WikiWealth allows everyone to view and manipulate this analysis freely. It is one most important element of WikiWealth's three Wall Street approaches used to determine the correct fair value. WikiWealth has a range of skills and experience to easily create a custom analysis for any public or private investment. See our professional services for more information.
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Useful for experimenting with the analysis without permanently changing the results for others. Click above to enter the experiment mode. Change any blue text to see how your changes affect the ending value of this company: Experiment Mode
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Comparative Value Multiple Analysis - Assurant Inc ► Experiment with AIZ's Analysis ►
How does this work?
This is the interactive wiki-based valuation report, based on the enterprise value multiple analysis. This method helps to determine the value of a company by comparing their financial ratios to the ratios of relevant peer groups. This method is also referred to as the relative value or comparative company analysis.
Importance?
This method is widely used by investment professionals to determine the correct price of investments, especially initial public offerings (IPOs). It is one element of WikiWealth's three Wall Street approaches used to determine the correct fair value of an investment. WikiWealth has a range of skills and methods to value any public or private investment. See our professional services for more information.
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Useful for experimenting with the analysis without permanently changing the results for others. Change the "true" / "false" section to "include" or "exclude" specific companies. The entire analysis will automatically based on your changes. Click above to enter the experiment mode. Click above to enter the experiment mode. Change any blue text to see changes: Calculator Mode
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Warren Buffett Intrinsic Value Analysis - Assurant Inc ► Experiment with AIZ's Analysis ►
How does this work?
This is the interactive wiki-based valuation report, based on the Warren Buffett Intrinsic Value Calculation. This method was developed exclusively by WikiWealth to mimic the valuation approach used by Warren Buffett, arguably the greatest investor of all time. The Buffett formula and calculation is a simplified version of the discounted cash flow approach, which discounts future expected cash flows to find the appropriate value of a company. It also mimics a series of test Buffett uses to determine the stability of company results.
Importance?
This method is unique and experimental, but extensive testing on over 3,200 companies confirms the results to be surprisingly accurate and consistent with more advanced approaches. If the greatest investor of all time can consistently beat the stock market, then his methods are worth your attention. WikiWealth is the first and only company to utilize this approach to investing. Wikiwealth has a range of skills and experience create valuation models for unique needs. See our professional services for more information.
Experiment Mode?
Useful for experimenting with the analysis without permanently changing the results for others. Click above to enter the experiment mode. Change any blue text to see change in the analysis: Calculator Mode
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