Assurant (ZAS) Stock Price & Analysis
ZAS Stock Chart & Stats
- Day’s Range
- EUR 273.60 - EUR 280.40
- 52-Week Range
- EUR 180.00 - EUR 280.40
- Previous Close
- EUR 276.60
- Volume
- N/A
- Average Volume (3M)
- 9
- Market Cap
- EUR 13.57B
- Enterprise Value
- EUR 15.31B
- Total Cash (Recent Filing)
- EUR 11.32B
- Total Debt (Recent Filing)
- EUR 2.21B
- Price to Earnings (P/E)
- 14.2
- Beta
- 0.26
- Next Earnings
- Feb 09, 2027 (Est.)
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.11%
Bulls Say, Bears Say
Bulls Say
Revenue And Margin Expansion
Assurant has demonstrated durable improvement in both scale and profitability, with revenue, earnings, and operating margins rising materially through the latest period. This combination indicates stronger earnings power and provides additional resources to reinvest in growth, technology, and partner expansion.
Strong Cash Generation And Lower Leverage
Robust operating and free cash flow gives Assurant meaningful capacity to fund growth, return capital, and absorb adverse claims experience without relying heavily on external financing. Improving leverage further strengthens financial flexibility and supports resilience across insurance cycles.
Scalable Lifestyle Platform
The large protected-device base and double-digit Connected Living growth demonstrate a scalable platform supported by recurring protection programs and established distribution relationships. Greater volume can improve operating efficiency, deepen partner integration, and reinforce Assurant’s position in connected-device protection.
Bears Say
Catastrophe And Reserve Exposure
Housing earnings remain exposed to catastrophe losses and changes in prior-year reserve development, which can create meaningful volatility even when underlying operations are healthy. These insurance risks can pressure margins, complicate earnings comparisons, and reduce the predictability of cash generation.
Competitive Pricing Pressure
Intense competition across wireless and protection markets may constrain pricing power and require continued investment in product value, service quality, and distribution. Greater consumer price sensitivity could challenge retention or margins, particularly as major operators and new entrants compete for customers.
Client And Distribution Concentration
The loan-portfolio transfer shows that changes in major client relationships or servicing arrangements can affect policy volumes in lender-placed housing. Dependence on large institutional partners creates durable concentration risk, making growth and revenue continuity partly reliant on external decisions.
ZAS FAQ
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Assurant Stock Smart Score
Company Description
Assurant
Assurant, Inc. operates globally, delivering essential lifestyle and housing solutions designed to secure, assist, and connect consumer acquisitions across diverse markets including North America, Latin America, Europe, and the Asia Pacific. The company's operations are divided into two main divisions: Global Lifestyle and Global Housing. The Global Lifestyle segment provides comprehensive mobile device support, extended warranty and maintenance programs for mobile devices, consumer electronics, and appliances, as well as vehicle protection plans and associated services, alongside credit protection and other insurance offerings. Conversely, the Global Housing segment focuses on various insurance products, encompassing lender-placed homeowners, manufactured home, and flood coverage. It also offers renters insurance and related benefits, in addition to optional manufactured housing and homeowners policies, and other specialized insurance products. Founded in 1892, the company was formerly known as Fortis, Inc. before officially changing its name to Assurant, Inc. in February 2004. Its corporate headquarters are situated in New York, New York.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Keith Warner Demmings
- Employees
- 14,800
- Website
- www.assurant.com
- Address
- 260 Interstate North Circle SE, Atlanta, GA, 30339-2210, US
Assurant (ZAS) Earnings & Revenues
ZAS Company Deck
ZAS Earnings Call
Earnings Call SentimentPositive
The call was strongly positive, with broad-based double-digit earnings growth, record-performance expectations, raised full-year guidance, expanding partnerships, strong operating momentum and substantial capital-return capacity. The main challenges were lower favorable prior-year reserve development, catastrophe impacts, competitive market conditions and certain timing or comparison effects, but management described the underlying trends and growth pipeline as favorable.
View all DE:ZAS earnings summariesZAS Net sales Breakdown
- 81.81% Net earned premiums
- 14.64% Fees and other income
- 4.11% Net investment income
- -0.56% Net realized losses on investments and fair value changes to equity securities
ZAS Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 1 | 5 |
| Technical Analysis | 4 | 1 | 5 |
| Moving Averages | 12 | 0 | 0 |
