Assurant, Inc. 5.25% Subordinat (AIZN)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
At a market value of $8.4B, Assurant, Inc. 5.25% Subordinat's free cash flow of $1.6B (fiscal 2025) would need to grow about -13% a year for the stock to be worth today's price. That is slower than the company has grown its free cash flow over the last 9 years.
Assumes a 9% discount rate and 3% growth after year 10, on free cash flow (operating cash flow minus capital spending) from Assurant, Inc. 5.25% Subordinat's SEC filings. Change any assumption, or model revenue and margins instead, in the Modeling tab, or try your own numbers in the reverse DCF calculator.
Fundamental grade
Five factors scored 1 to 9 from AIZN's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from Assurant, Inc. 5.25% Subordinat's 10-K filings. The deep dive has 15+ years, quarters and every line.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $10.2B | $10.2B | $11.1B | $11.9B | $12.8B |
| Net income | $1.4B | $277M | $642M | $760M | $873M |
| Free cash flow | $594M | $411M | $936M | $1.1B | $1.6B |
| EPS (diluted) | $22.66 | $5.05 | $11.95 | $14.46 | $16.93 |
| Operating margin | — | — | — | — | — |
Where the revenue comes from
Revenue by segments, fiscal 2021.
Superinvestors who own AIZN
From each investor's latest 13F filing (what a 13F shows).
Insider buying
Open-market purchases by Assurant, Inc. 5.25% Subordinat's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
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In the full deep dive
Questions
What growth does Assurant, Inc. 5.25% Subordinat's stock price imply?
At a market value of $8.4B, Assurant, Inc. 5.25% Subordinat would need its free cash flow to grow about -13% a year for 10 years (discounted at 9%, 3% growth after that) to be worth today's price. Over the last 9 years its free cash flow grew 60% a year.
Are Assurant, Inc. 5.25% Subordinat insiders buying the stock?
No open-market insider purchases of AIZN in the last 12 months, according to SEC Form 4 filings.
Prices and ratios as of Oct 7, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.