NASDAQ · STOCK
Assurant
$279.17
52W $185.04 – $284.64
60/100
$13.83B
14.1
0.56
Is AIZ Bullish or Bearish?
Bullish.
Innellis AI committee rates Assurant (AIZ) Buy with a composite score of 60/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +14.87 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -5.13 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 13.9 is inexpensive for the broad market — Value
- ROE of 17.4% shows genuine earnings power backing the valuation — Value
- EPS growing 54.0% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 82 -- overbought on the larger timeframe too — Technical
- Current ratio of 0.03 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
60/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 46%
of 141 Financial Services peers
Value Analyst
bullish
70
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 13.9 is inexpensive for the broad market
Growth Analyst
bullish
72
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 54.0% YoY
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
neutral
52
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− Current ratio of 0.03 is tight -- limited short-term liquidity cushion
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 61.0 to 60.1.
- Conviction changed from moderate to contested.
- Committee agreement fell notably from 71% to 57%.
- New bearish signals: 3 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
54.8
Neutral
MACD Histogram
-0.348
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.62
Inside Bands
Price vs Moving Averages
EMA 9
$278.94
Above
EMA 21
$275.87
Above
EMA 50
$266.47
Above
EMA 200
$240.61
Above
Fundamental Analysis
Valuation
96
Growth
87
Profitability
0
Financial Health
50
Cash Flow
37
Valuation
P/E Ratio
14.1×
P/B Ratio
2.36×
PEG Ratio
0.26
Dividend Yield
0.01%
52W High
$284.64
52W Low
$185.04
Quality & Growth
ROE
14.9%
ROA
2.4%
Gross Margin
77.8%
Operating Margin
9.4%
Revenue Growth YoY
—
Debt / Equity
0.38
AI Fundamental Assessment
P/E ratio of 14.1 (inexpensive relative to a 15-40x range); Price-to-book of 2.4x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.1%; Gross margin of 0.8%; Current ratio of 0.14 (tight short-term liquidity); Debt-to-equity of 0.38; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (29.21); Most recent quarter beat estimates by 11.3%; 4 consecutive earnings beats; EPS growth accelerating (-2.1% -> +6.1% QoQ); Analyst estimates rising over recent quarters
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