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Assurant (AIZ)
NYSE:AIZ
US Market

Assurant (AIZ) Ratios

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Assurant Ratios

AIZ's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, AIZ's free cash flow was decreased by $ and operating cash flow was $0.09. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
2.78 19.91 2.41 3.48 1.53
Quick Ratio
2.78 19.91 2.45 4.35 1.77
Cash Ratio
0.46 3.00 0.36 0.45 0.13
Solvency Ratio
0.03 0.03 0.02 0.03 0.01
Operating Cash Flow Ratio
0.34 2.10 0.14 0.17 0.08
Short-Term Operating Cash Flow Coverage
0.00 0.00 2.66 0.00 0.00
Net Current Asset Value
$ -18.88B$ -18.02B$ -18.67B$ -12.74B$ -12.84B
Leverage Ratios
Debt-to-Assets Ratio
0.06 0.06 0.06 0.06 0.05
Debt-to-Equity Ratio
0.41 0.43 0.50 0.40 0.38
Debt-to-Capital Ratio
0.29 0.30 0.33 0.29 0.27
Long-Term Debt-to-Capital Ratio
0.29 0.30 0.31 0.29 0.27
Financial Leverage Ratio
6.86 6.99 7.83 6.18 7.50
Debt Service Coverage Ratio
-1.56 8.87 1.70 7.84 190.80
Interest Coverage Ratio
35.52 5.95 4.23 13.79 4.81
Debt to Market Cap
0.19 0.23 0.31 0.24 0.28
Interest Debt Per Share
41.93 40.94 41.16 39.13 39.22
Net Debt to EBITDA
0.00 0.40 0.93 0.15 <0.01
Profitability Margins
Gross Profit Margin
100.00%100.00%100.00%100.00%100.00%
EBIT Margin
8.71%8.22%4.50%8.67%207.11%
EBITDA Margin
0.00%10.08%6.27%10.27%208.46%
Operating Profit Margin
32.00%5.77%4.50%15.14%5.23%
Pretax Profit Margin
7.81%7.25%3.43%7.69%6.05%
Net Profit Margin
6.40%5.77%2.71%6.02%4.59%
Continuous Operations Profit Margin
6.40%5.77%2.71%5.92%5.42%
Net Income Per EBT
81.98%79.64%79.05%78.35%75.90%
EBT Per EBIT
24.40%125.57%76.36%50.78%115.65%
Return on Assets (ROA)
2.17%1.91%0.84%1.81%0.99%
Return on Equity (ROE)
14.89%13.36%6.54%11.18%7.41%
Return on Capital Employed (ROCE)
12.24%1.94%1.59%5.24%1.81%
Return on Invested Capital (ROIC)
28.35%1.56%3.59%5.30%2.61%
Return on Tangible Assets
2.39%2.12%0.91%1.99%1.08%
Earnings Yield
6.83%7.13%4.07%6.66%5.38%
Efficiency Ratios
Receivables Turnover
5.78 4.91 4.24 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
15.46 15.70 15.80 18.15 19.45
Asset Turnover
0.34 0.33 0.31 0.30 0.21
Working Capital Turnover Ratio
1.37 1.37 1.19 1.01 0.66
Cash Conversion Cycle
63.12 74.29 86.17 0.00 0.00
Days of Sales Outstanding
63.12 74.29 86.17 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
63.12 74.29 86.17 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
25.52 21.29 10.98 13.22 22.32
Free Cash Flow Per Share
25.52 17.50 7.55 10.05 20.31
CapEx Per Share
0.00 3.79 3.43 3.17 2.02
Free Cash Flow to Operating Cash Flow
1.00 0.82 0.69 0.76 0.91
Dividend Paid and CapEx Coverage Ratio
8.55 3.21 1.77 2.24 4.56
Capital Expenditure Coverage Ratio
0.00 5.62 3.20 4.17 11.07
Operating Cash Flow Coverage Ratio
0.64 0.55 0.28 0.35 0.60
Operating Cash Flow to Sales Ratio
0.11 0.10 0.06 0.08 0.14
Free Cash Flow Yield
11.97%10.39%6.04%6.45%14.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
14.65 14.02 24.58 15.02 18.58
Price-to-Sales (P/S) Ratio
0.94 0.81 0.67 0.90 0.85
Price-to-Book (P/B) Ratio
2.18 1.87 1.61 1.68 1.38
Price-to-Free Cash Flow (P/FCF) Ratio
8.36 9.63 16.56 15.51 6.71
Price-to-Operating Cash Flow Ratio
8.36 7.91 11.39 11.79 6.10
Price-to-Earnings Growth (PEG) Ratio
0.70 0.10 -0.48 0.32 1.33
Price-to-Fair Value
2.18 1.87 1.61 1.68 1.38
Enterprise Value Multiple
0.00 8.43 11.57 8.97 0.41
EV to EBITDA
0.00 8.43 11.57 8.97 0.41
EV to Sales
0.96 0.85 0.73 0.92 0.86
EV to Free Cash Flow
8.56 10.11 18.01 15.78 6.73
EV to Operating Cash Flow
8.56 8.31 12.39 12.00 6.12
Tangible Book Value Per Share
37.43 28.99 25.07 39.48 36.75
Shareholders’ Equity Per Share
97.77 89.97 77.77 92.82 99.00
Tax and Other Ratios
Effective Tax Rate
0.18 0.20 0.21 0.22 0.10
Revenue Per Share
227.40 208.24 187.47 172.26 159.59
Net Income Per Share
14.55 12.02 5.09 10.37 7.33
Tax Burden
0.82 0.80 0.79 0.78 0.76
Interest Burden
0.90 0.88 0.76 0.89 0.03
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.00 0.00 0.32 0.32
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
1.75 1.77 2.16 0.57 3.04
Currency in USD
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