Question 1

What is Assurant's P/FCF ratio?

Accepted Answer

Assurant (AIZ) P/FCF ratio is 8.9× as of June 5, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month free cash flow, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/FCF ratio calculated?

Accepted Answer

P/FCF = Market Capitalisation ÷ Trailing Twelve-Month (TTM) Free Cash Flow, where Free Cash Flow = Operating Cash Flow − Capital Expenditures. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the P/FCF ratio?

Accepted Answer

The price-to-free-cash-flow (P/FCF) ratio compares a company's market capitalisation to its trailing twelve-month (TTM) free cash flow. It is calculated as market cap ÷ TTM free cash flow, where free cash flow = operating cash flow − capital expenditures. Because FCF cannot be inflated by non-cash accounting items, P/FCF is often considered a cleaner measure of "earnings-power valuation" than P/E — especially for capital-intensive businesses where depreciation diverges from real cash outflows.

Question 4

What is a good P/FCF ratio for Assurant?

Accepted Answer

Mature companies that consistently convert profit into cash often trade at 15–25× P/FCF; capital-intensive businesses with lumpy capex typically trade lower. Compare against sector peers and against the company's own multi-year average — single-year P/FCF can be distorted by working-capital swings. For Assurant specifically, the relevant sector benchmark is the current sector median of 11.1×.

Question 5

Is Assurant's P/FCF ratio high or low?

Accepted Answer

Assurant's P/FCF ratio of 8.9× is below its own 5-year average of 10.4× and below the sector median of 11.1×. That places the current reading at the 43th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is Assurant's historical P/FCF ratio range?

Accepted Answer

In the available daily series, Assurant (AIZ) P/FCF ratio has ranged from a low of 3.7× in 2003 to a high of 108.3× in 2016. The 5-year average is 10.4× and the 5-year median is 9.0×.

Question 7

What was Assurant's P/FCF ratio in 2025?

Accepted Answer

Assurant (AIZ) P/FCF ratio at the end of 2025 was 7.6×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month free cash flow figure available at that date.

Question 8

Why does Assurant's P/FCF ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (free cash flow). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$12.09B	$1.60B	7.6×	-1.2×	Dec 31, 2025
2024	$11.02B	$1.26B	8.7×	-0.8×	Dec 31, 2024
2023	$8.94B	$935.60M	9.6×	-6.7×	Dec 31, 2023
2022	$6.68B	$410.60M	16.3×	+1.2×	Dec 31, 2022
2021	$8.93B	$594.30M	15.0×	+8.4×	Dec 31, 2021
2020	$8.08B	$1.22B	6.6×	+0.5×	Dec 31, 2020
2019	$8.02B	$1.30B	6.2×	-3.7×	Dec 31, 2019
2018	$5.63B	$573.90M	9.8×	-1.8×	Dec 31, 2018
2017	$5.45B	$468.30M	11.6×	-96.7×	Dec 31, 2017
2016	$5.34B	$49.29M	108.3×	+69.8×	Dec 31, 2016
2015	$5.37B	$139.68M	38.5×	+22.8×	Dec 31, 2015
2014	$4.86B	$310.21M	15.7×	+10.7×	Dec 31, 2014
2013	$4.89B	$975.24M	5.0×	+0.6×	Dec 31, 2013
2012	$2.77B	$623.24M	4.5×	-0.2×	Dec 31, 2012
2011	$3.79B	$819.56M	4.6×	-3.7×	Dec 31, 2011
2010	$4.09B	$489.53M	8.4×	-7.8×	Dec 31, 2010
2009	$3.47B	$214.04M	16.2×	+12.5×	Dec 31, 2009
2008	$3.53B	$943.07M	3.7×	-3.1×	Dec 31, 2008
2007	$7.88B	$1.14B	6.9×	-1.1×	Dec 31, 2007
2006	$6.80B	$848.29M	8.0×	+2.1×	Dec 31, 2006
2005	$5.70B	$964.95M	5.9×	+0.4×	Dec 31, 2005
2004	$4.28B	$775.76M	5.5×	+1.8×	Dec 31, 2004
2003	$2.70B	$723.63M	3.7×	—	Dec 31, 2003


PayPal (PYPL)	7.5×
Progressive (PGR)	7.1×
Cincinnati Financial (CINF)	7.1×
Alerus Financial (ALRS)	7.0×
Interactive Brokers (IBKR)	6.9×
Invesco (IVZ)	6.9×
American Financial Group (AFG)	6.8×
The Hartford (HIG)	6.5×
Commerce Bancshares (CBSH)	6.4×
Bank of America (BAC)	6.3×
Arch Capital Group (ACGL)	5.9×
JPMorgan Chase (JPM)	5.8×
Travelers Companies (TRV)	5.5×
Principal Financial Group (PFG)	5.5×
Everest Re Group (RE)	5.0×
Allstate (ALL)	4.7×
Everest Re Group (EG)	4.6×
Capital One Financial (COF)	3.9×
Prudential Financial (PRU)	3.5×
Mercury General (MCY)	3.4×
RenaissanceRe Holdings (RNR)	3.0×
MetLife (MET)	2.8×
Synchrony Financial (SYF)	2.4×
Atlantic Union Bankshares (AUB)	2.2×
StoneX Group (SNEX)	0.8×

P/FCF Ratio for Assurant (AIZ)

P/FCF Ratio daily chart for Assurant (AIZ)

Historical P/FCF Ratio for Assurant (AIZ) from 2003 to 2025

About P/FCF Ratio at Assurant (AIZ)

Assurant P/FCF Ratio by Year

Assurant P/FCF Ratio 2025: 7.6×

Assurant P/FCF Ratio 2024: 8.7×

Assurant P/FCF Ratio 2023: 9.6×

Assurant P/FCF Ratio 2022: 16.3×

Assurant P/FCF Ratio 2021: 15.0×

Sector peers by P/FCF Ratio — chart

Sector peers by P/FCF Ratio — table

Frequently asked questions

Assurant (AIZ) Key Financials

P/FCF Ratio daily chart for Assurant (AIZ)

Historical P/FCF Ratio for Assurant (AIZ) from 2003 to 2025

About P/FCF Ratio at Assurant (AIZ)

Assurant P/FCF Ratio by Year

Assurant P/FCF Ratio 2025: 7.6×

Assurant P/FCF Ratio 2024: 8.7×

Assurant P/FCF Ratio 2023: 9.6×

Assurant P/FCF Ratio 2022: 16.3×

Assurant P/FCF Ratio 2021: 15.0×

Sector peers by P/FCF Ratio — chart

Sector peers by P/FCF Ratio — table

Frequently asked questions

+What is Assurant's P/FCF ratio?

+How is the P/FCF ratio calculated?

+What is the P/FCF ratio?

+What is a good P/FCF ratio for Assurant?

+Is Assurant's P/FCF ratio high or low?

+What is Assurant's historical P/FCF ratio range?

+What was Assurant's P/FCF ratio in 2025?

+Why does Assurant's P/FCF ratio change over time?

Assurant (AIZ) Key Financials