Intrinsic value of Assurant - AIZ

Previous Close

$108.91

  Intrinsic Value

$33.49

stock screener

  Rating & Target

str. sell

-69%

Previous close

$108.91

 
Intrinsic value

$33.49

 
Up/down potential

-69%

 
Rating

str. sell

Our model is not good at valuating stocks of financial companies, such as AIZ.

We calculate the intrinsic value of AIZ stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 2017), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 6.0

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2018
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046
   2047

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  2.00
  2.30
  2.57
  2.81
  3.03
  3.23
  3.41
  3.57
  3.71
  3.84
  3.95
  4.06
  4.15
  4.24
  4.31
  4.38
  4.44
  4.50
  4.55
  4.59
  4.64
  4.67
  4.70
  4.73
  4.76
  4.78
  4.81
  4.83
  4.84
  4.86
Revenue, $m
  6,543
  6,694
  6,866
  7,059
  7,273
  7,508
  7,763
  8,040
  8,338
  8,658
  9,001
  9,366
  9,755
  10,168
  10,607
  11,072
  11,564
  12,084
  12,634
  13,215
  13,827
  14,473
  15,154
  15,871
  16,627
  17,422
  18,260
  19,141
  20,068
  21,043
Variable operating expenses, $m
  3,979
  4,056
  4,144
  4,242
  4,352
  4,472
  4,602
  4,744
  4,896
  5,060
  4,601
  4,788
  4,987
  5,198
  5,422
  5,660
  5,911
  6,177
  6,458
  6,755
  7,068
  7,398
  7,746
  8,113
  8,499
  8,906
  9,334
  9,785
  10,258
  10,757
Fixed operating expenses, $m
  2,096
  2,142
  2,189
  2,238
  2,287
  2,337
  2,388
  2,441
  2,495
  2,550
  2,606
  2,663
  2,722
  2,781
  2,843
  2,905
  2,969
  3,034
  3,101
  3,169
  3,239
  3,310
  3,383
  3,458
  3,534
  3,612
  3,691
  3,772
  3,855
  3,940
Total operating expenses, $m
  6,075
  6,198
  6,333
  6,480
  6,639
  6,809
  6,990
  7,185
  7,391
  7,610
  7,207
  7,451
  7,709
  7,979
  8,265
  8,565
  8,880
  9,211
  9,559
  9,924
  10,307
  10,708
  11,129
  11,571
  12,033
  12,518
  13,025
  13,557
  14,113
  14,697
Operating income, $m
  468
  496
  533
  579
  634
  699
  773
  855
  947
  1,049
  1,794
  1,915
  2,047
  2,189
  2,342
  2,507
  2,683
  2,873
  3,074
  3,290
  3,520
  3,764
  4,024
  4,300
  4,594
  4,905
  5,235
  5,584
  5,954
  6,346
EBITDA, $m
  4,859
  4,973
  5,108
  5,266
  5,444
  5,643
  5,863
  6,105
  6,368
  6,654
  6,961
  7,292
  7,647
  8,027
  8,432
  8,863
  9,322
  9,810
  10,328
  10,877
  11,458
  12,073
  12,724
  13,412
  14,139
  14,907
  15,718
  16,573
  17,475
  18,427
Interest expense (income), $m
  56
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
  625
Earnings before tax, $m
  -157
  -129
  -92
  -46
  9
  74
  147
  230
  322
  424
  1,169
  1,290
  1,422
  1,564
  1,717
  1,882
  2,058
  2,247
  2,449
  2,665
  2,895
  3,139
  3,399
  3,675
  3,969
  4,280
  4,610
  4,959
  5,329
  5,721
Tax expense, $m
  0
  0
  0
  0
  3
  20
  40
  62
  87
  114
  316
  348
  384
  422
  464
  508
  556
  607
  661
  720
  782
  848
  918
  992
  1,072
  1,156
  1,245
  1,339
  1,439
  1,545
Net income, $m
  -157
  -129
  -92
  -46
  7
  54
  108
  168
  235
  309
  853
  942
  1,038
  1,142
  1,253
  1,374
  1,503
  1,641
  1,788
  1,945
  2,113
  2,291
  2,481
  2,683
  2,897
  3,124
  3,365
  3,620
  3,890
  4,176

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Adjusted assets (=assets-cash), $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Revenue / Adjusted assets
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
Average production assets, $m
  37,565
  38,429
  39,417
  40,526
  41,754
  43,102
  44,570
  46,159
  47,871
  49,708
  51,674
  53,771
  56,004
  58,377
  60,895
  63,564
  66,388
  69,376
  72,532
  75,865
  79,381
  83,090
  86,999
  91,117
  95,455
  100,022
  104,830
  109,888
  115,210
  120,808
Working capital, $m
  -26,880
  -27,498
  -28,205
  -28,998
  -29,877
  -30,842
  -31,892
  -33,029
  -34,254
  -35,569
  -36,975
  -38,476
  -40,074
  -41,772
  -43,574
  -45,483
  -47,505
  -49,642
  -51,901
  -54,285
  -56,802
  -59,455
  -62,252
  -65,199
  -68,303
  -71,572
  -75,011
  -78,631
  -82,439
  -86,445
Total debt, $m
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
  11,578
Total liabilities, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total equity, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total liabilities and equity, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Debt-to-equity ratio
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
Adjusted equity ratio
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000
  0.000

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  -157
  -129
  -92
  -46
  7
  54
  108
  168
  235
  309
  853
  942
  1,038
  1,142
  1,253
  1,374
  1,503
  1,641
  1,788
  1,945
  2,113
  2,291
  2,481
  2,683
  2,897
  3,124
  3,365
  3,620
  3,890
  4,176
Depreciation, amort., depletion, $m
  4,390
  4,477
  4,576
  4,686
  4,809
  4,944
  5,091
  5,250
  5,421
  5,605
  5,167
  5,377
  5,600
  5,838
  6,089
  6,356
  6,639
  6,938
  7,253
  7,586
  7,938
  8,309
  8,700
  9,112
  9,546
  10,002
  10,483
  10,989
  11,521
  12,081
Funds from operations, $m
  4,234
  4,347
  4,483
  4,640
  4,816
  4,998
  5,198
  5,418
  5,656
  5,914
  6,021
  6,319
  6,638
  6,979
  7,343
  7,730
  8,141
  8,578
  9,041
  9,532
  10,051
  10,600
  11,181
  11,795
  12,443
  13,126
  13,848
  14,609
  15,411
  16,257
Change in working capital, $m
  -527
  -618
  -707
  -793
  -879
  -965
  -1,050
  -1,137
  -1,225
  -1,315
  -1,406
  -1,501
  -1,598
  -1,698
  -1,802
  -1,910
  -2,021
  -2,138
  -2,259
  -2,385
  -2,516
  -2,654
  -2,797
  -2,947
  -3,104
  -3,268
  -3,440
  -3,620
  -3,808
  -4,005
Cash from operations, $m
  4,761
  4,966
  5,190
  5,434
  5,695
  5,963
  6,249
  6,555
  6,881
  7,229
  7,427
  7,819
  8,236
  8,677
  9,145
  9,640
  10,163
  10,716
  11,300
  11,916
  12,567
  13,254
  13,978
  14,742
  15,546
  16,394
  17,288
  18,229
  19,219
  20,263
Maintenance CAPEX, $m
  -3,683
  -3,757
  -3,843
  -3,942
  -4,053
  -4,175
  -4,310
  -4,457
  -4,616
  -4,787
  -4,971
  -5,167
  -5,377
  -5,600
  -5,838
  -6,089
  -6,356
  -6,639
  -6,938
  -7,253
  -7,586
  -7,938
  -8,309
  -8,700
  -9,112
  -9,546
  -10,002
  -10,483
  -10,989
  -11,521
New CAPEX, $m
  -735
  -864
  -988
  -1,109
  -1,229
  -1,348
  -1,468
  -1,589
  -1,712
  -1,837
  -1,965
  -2,097
  -2,233
  -2,373
  -2,518
  -2,669
  -2,825
  -2,987
  -3,156
  -3,333
  -3,517
  -3,708
  -3,909
  -4,119
  -4,338
  -4,567
  -4,807
  -5,059
  -5,322
  -5,598
Cash from investing activities, $m
  -4,418
  -4,621
  -4,831
  -5,051
  -5,282
  -5,523
  -5,778
  -6,046
  -6,328
  -6,624
  -6,936
  -7,264
  -7,610
  -7,973
  -8,356
  -8,758
  -9,181
  -9,626
  -10,094
  -10,586
  -11,103
  -11,646
  -12,218
  -12,819
  -13,450
  -14,113
  -14,809
  -15,542
  -16,311
  -17,119
Free cash flow, $m
  342
  345
  359
  383
  414
  439
  471
  509
  553
  604
  491
  555
  626
  704
  789
  881
  982
  1,090
  1,206
  1,331
  1,464
  1,607
  1,760
  1,923
  2,097
  2,282
  2,478
  2,687
  2,909
  3,144
Issuance/(repayment) of debt, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Issuance/(repurchase) of shares, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total cash flow (excl. dividends), $m
  342
  345
  359
  383
  414
  439
  471
  509
  553
  604
  491
  555
  626
  704
  789
  881
  982
  1,090
  1,206
  1,331
  1,464
  1,607
  1,760
  1,923
  2,097
  2,282
  2,478
  2,687
  2,909
  3,144
Retained Cash Flow (-), $m
  -157
  -129
  -92
  -46
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Prev. year cash balance distribution, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
  38
  39
  40
  41
  42
  44
  45
  47
  48
  50
  52
  54
  56
  59
  61
  64
  66
  69
  73
  76
  79
  83
  87
  91
  95
  100
  105
  110
  115
  120
Cash available for distribution, $m
  186
  216
  267
  337
  414
  439
  471
  509
  553
  604
  491
  555
  626
  704
  789
  881
  982
  1,090
  1,206
  1,331
  1,464
  1,607
  1,760
  1,923
  2,097
  2,282
  2,478
  2,687
  2,909
  3,144
Discount rate, %
  13.00
  13.65
  14.33
  15.05
  15.80
  16.59
  17.42
  18.29
  19.21
  20.17
  21.18
  22.23
  23.35
  24.51
  25.74
  27.03
  28.38
  29.80
  31.29
  32.85
  34.49
  36.22
  38.03
  39.93
  41.93
  44.02
  46.22
  48.53
  50.96
  53.51
PV of cash for distribution, $m
  164
  167
  179
  192
  199
  175
  153
  133
  114
  96
  59
  50
  41
  33
  25
  19
  14
  10
  7
  5
  3
  2
  1
  1
  0
  0
  0
  0
  0
  0
Current shareholders' claim on cash, %
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0

Assurant, Inc. is a provider of risk management solutions in the housing and lifestyle markets. The Company operates in North America, Latin America, Europe and Asia. The Company's segments include Global Housing, Global Lifestyle and Global Preneed. Through its Global Housing segment, it provides lender-placed homeowners, manufactured housing and flood insurance; renters insurance and related products (multi-family housing business), and field services, valuation services and other property risk management services (mortgage solutions business). Through its Global Lifestyle segment, it provides mobile device protection products and related services and extended service products and related services for consumer electronics and appliances (global connected living business); vehicle protection services, and credit insurance. The Global Preneed segment provides pre-funded funeral insurance and annuity products. Its Global Preneed Segment operates in the United States and Canada.

FINANCIAL RATIOS  of  Assurant (AIZ)

Valuation Ratios
P/E Ratio 10.8
Price to Sales 0.8
Price to Book 1.5
Price to Tangible Book
Price to Cash Flow 43.5
Price to Free Cash Flow 110.8
Growth Rates
Sales Growth Rate -27%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate -26.1%
Cap. Spend. - 3 Yr. Gr. Rate 10.3%
Financial Strength
Quick Ratio NaN
Current Ratio NaN
LT Debt to Equity 26%
Total Debt to Equity 26%
Interest Coverage 16
Management Effectiveness
Return On Assets 2%
Ret/ On Assets - 3 Yr. Avg. 1.4%
Return On Total Capital 10.4%
Ret/ On T. Cap. - 3 Yr. Avg. 6.7%
Return On Equity 13.1%
Return On Equity - 3 Yr. Avg. 8.5%
Asset Turnover 0.3
Profitability Ratios
Gross Margin 0%
Gross Margin - 3 Yr. Avg. 0%
EBITDA Margin 13.7%
EBITDA Margin - 3 Yr. Avg. 8.9%
Operating Margin 12%
Oper. Margin - 3 Yr. Avg. 7.4%
Pre-Tax Margin 11.3%
Pre-Tax Margin - 3 Yr. Avg. 6.8%
Net Profit Margin 7.5%
Net Profit Margin - 3 Yr. Avg. 4.5%
Effective Tax Rate 33.5%
Eff/ Tax Rate - 3 Yr. Avg. 33.2%
Payout Ratio 22.1%

AIZ stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the AIZ stock intrinsic value calculation we used $6415 million for the last fiscal year's total revenue generated by Assurant. The default revenue input number comes from 2017 income statement of Assurant. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our AIZ stock valuation model: a) initial revenue growth rate of 2% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 13%, whose default value for AIZ is calculated based on our internal credit rating of Assurant, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of Assurant.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of AIZ stock the variable cost ratio is equal to 61%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $2051 million in the base year in the intrinsic value calculation for AIZ stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 5.4% for Assurant.

Corporate tax rate of 27% is the nominal tax rate for Assurant. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the AIZ stock is equal to 0.6%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for AIZ are equal to 574.1%.

Life of production assets of 10 years is the average useful life of capital assets used in Assurant operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for AIZ is equal to -410.8%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $0 million for Assurant - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 55 million for Assurant is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of Assurant at the current share price and the inputted number of shares is $6.0 billion.

RELATED COMPANIES Price Int.Val. Rating
PFG Principal Fina 54.41 55.29  hold

COMPANY NEWS

▶ Assurant, Inc. to Host Earnings Call   [06:00AM  ACCESSWIRE]
▶ Assurant: 2Q Earnings Snapshot   [04:47PM  Associated Press]
▶ Assurant Names John Pawloski as Chief Compliance Officer   [Jul-24-18 09:00AM  Business Wire]
▶ Assurant to Announce Second Quarter 2018 Financial Results   [Jul-11-18 04:15PM  Business Wire]
▶ 5 Top-Ranked Insurance Stocks to Enhance Portfolio in 2H   [Jul-09-18 05:00PM  InvestorPlace]
▶ Assurant (AIZ): Moving Average Crossover Alert   [Jul-03-18 10:30AM  Zacks]
▶ Breakaway CEOs on Inflection Points   [Jun-21-18 04:56PM  Bloomberg]
▶ Stocks close lower on trade concerns   [Jun-19-18 04:13PM  CNBC Videos]
▶ Yahoo Finance Live: Midday Movers - May 22nd, 2018   [May-22-18 09:40AM  Yahoo Finance Video]
▶ Assurant: 1Q Earnings Snapshot   [May-03-18 04:35PM  Associated Press]
▶ Assurant, Good360 Launch New Technology Reuse Program   [Apr-19-18 09:15AM  Business Wire]
▶ New Strong Sell Stocks for April 17th   [Apr-17-18 07:20AM  Zacks]
▶ Assurant to Announce First Quarter 2018 Financial Results   [Apr-09-18 04:15PM  Business Wire]
▶ What Makes Assurant Inc (NYSE:AIZ) A Great Dividend Stock?   [Mar-20-18 04:30PM  Simply Wall St.]
▶ Church's Chicken taps health care exec as new Chief People Officer   [Mar-05-18 05:26PM  American City Business Journals]
▶ UBS Gets Bullish On Insurance Stocks   [Mar-02-18 12:50PM  Benzinga]
▶ Assurant posts 4Q profit   [Feb-08-18 05:19PM  Associated Press]
▶ ETFs with exposure to Assurant, Inc. : December 26, 2017   [Dec-26-17 11:05AM  Capital Cube]
▶ Should You Sell Assurant Inc (NYSE:AIZ) At This PE Ratio?   [Dec-18-17 11:35AM  Simply Wall St.]
▶ Fortune 500 company's $2.2 million tech support center in Duluth to create 335 jobs   [Dec-13-17 04:10PM  American City Business Journals]
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