Fair value (multi-method)
Four independent methods triangulate what AIZ is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$1,741.25
Method range
$121.05 – $1,741.25
median $287.81
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $1,741.25 | +537.47% |
| Exit multiple | $287.29 | +5.18% |
| Analyst target | $288.33 | +5.56% |
| Graham number | $121.05 | -55.68% |
- Forward DCF$1,741.25
- Exit multiple$287.29
- Analyst target$288.33
- Graham number$121.05
Stock price
$273.15
FCF / share (TTM)
$3.88
3Y FCF CAGR
34.0%
Fair value @ hist. growth
$887.79
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
18.0%
per year over your projection horizon
Margin of safety 69.2% vs hist-growth DCF
Historical 3Y CAGR
34.0%
Your model implies
18.0%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at 34% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 5.4% | 13.8% | 12.4% | 10.8% | 9.0% | 6.7% |
| 6.4% | 17.0% | 16.0% | 14.7% | 13.4% | 11.8% |
| 7.4% | 19.9% | 19.0% | 18.0% | 16.9% | 15.7% |
| 8.4% | 22.6% | 21.8% | 21.0% | 20.0% | 19.0% |
| 9.4% | 25.0% | 24.3% | 23.6% | 22.8% | 22.0% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
0.44
Low vs growth
Net debt
$373M
Total debt − cash
Beta
0.56
Vs market benchmark
Frequently asked questions
Assurant (AIZ) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
How this company returns cash to shareholders — buybacks, dividends, and stock splits.