Assurant, Inc. (AIZ) Stock Analysis
Breakout setup
Financial Services · Insurance - Property & Casualty
Hold if already holding. Not a fresh buy at $260.99, but acceptable to hold if already in. Reasons: Single-region cliff: 81% exposure to North America (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: North America (80.7%).
Assurant provides device protection, vehicle service contracts, and lender-placed homeowners insurance through two segments: Global Lifestyle (~$9.6 billion in 2025 net earned premiums/fees) and Global Housing (~$2.8 billion). Revenue flows via B2B2C partnerships with mobile... Read more
Hold if already holding. Not a fresh buy at $260.99, but acceptable to hold if already in. Reasons: Single-region cliff: 81% exposure to North America (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: North America (80.7%). Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Mixed signals. Hold existing position. Score 6.0/10, moderate confidence.
Passes 6/9 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 53d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and finsvc regional cliff hard block. Suitability: moderate.
About Assurant, Inc.
About Assurant, Inc.
Global Lifestyle generated $9.6 billion in net earned premiums and fees in 2025—led by Connected Living's $5.4 billion and Global Automotive's $4.2 billion—while Global Housing contributed $2.8 billion across lender-placed homeowners and renters insurance. Assurant's total assets reached $36.3 billion at December 31, 2025, with 80.7% of Global Lifestyle revenue originating from North America. Both segments distribute exclusively through B2B2C partnerships rather than selling directly to end consumers.
Connected Living earns premiums and fees from mobile device protection programs distributed through carriers, OEMs, cable MSOs, and retailers, with mobile solutions accounting for 53% of Connected Living revenue in 2025. Global Automotive sells vehicle service contracts and ancillary products through auto dealers and agents across the U.S. and select international markets. Global Housing's lender-placed insurance business earns premiums when mortgage servicers place coverage on uninsured properties, a volume that benefits from hardening voluntary homeowners markets. Assurant cedes a portion of its insurance risk through reinsurance and profit-sharing arrangements with clients. The company returned $468.3 million to shareholders through repurchases and dividends in 2025, funded in part by $925.1 million in subsidiary dividends. Many Global Lifestyle agreements are exclusive and multi-year, typically three to five years, with technology integration creating embedded retention incentives.
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The 10-K explicitly states that Global Lifestyle is "dependent on a few clients, in particular those in the mobile eco-system including carriers and MSOs," and that both Global Lifestyle and Global Housing "receive a substantial portion" of revenues from a few clients. If one or more mobile carrier relationships were lost or renewed on less favorable terms—a risk the filing says has occurred from time to time—segment cash flows could be materially affected. This client concentration sits alongside reinsurance counterparty credit risk: the 10-K notes that through reinsurance Assurant has sold or exited businesses that could become its direct financial and administrative responsibility if reinsurers become insolvent.
See also: Financial Services · Insurance - Property & Casualty
From Assurant, Inc.'s most recent 10-K filing, extracted June 9, 2026.
Recent developments
updated 2026-06-13Recent Developments — Assurant, Inc.
Latest news
- NEWS Assurant SVP Dimitry DiRienzo sells $511k in company stock - Investing.com — Investing.com negative
- NEWS Assurant Stock Outlook: Is Wall Street Bullish or Bearish? - Yahoo Finance — Yahoo Finance positive
- NEWS Assurant Stock Outlook: Is Wall Street Bullish or Bearish? - finance.yahoo.com — finance.yahoo.com positive
- NEWS Assurant (AIZ) Projected to Post Earnings on Tuesday - MarketBeat — MarketBeat neutral
- NEWS AIZ Maintained by Piper Sandler -- Price Target Raised to $290 - GuruFocus — GuruFocus positive
Generated 2026-06-15T18:11:46Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMCustomerfew significant clients (Global Lifestyle and Housing)10-K Item 1A: 'Each of our Global Lifestyle and Global Housing segments receives a substantial portion of its revenues from a few clients'
- MEDIUMCustomermobile eco-system clients (carriers and MSOs)10-K Item 1: 'Global Lifestyle is dependent on a few clients, in particular those in the mobile eco-system including carriers and MSOs'
- HIGHGeographicNorth America81%10-K Item 1: 'approximately 80.7% of its revenue from North America (the U.S. and Canada)'
Material Events(8-K, last 90d)
- 2026-05-22Item 5.02LOWAt May 21, 2026 annual meeting, stockholders approved amendment to Assurant ALTEIP increasing share reserve by 480,000 shares of common stock. Routine compensatory arrangement; no officer departure or appointment.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $260.99, but acceptable to hold if already in. Reasons: Single-region cliff: 81% exposure to North America (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: North America (80.7%). Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Mixed signals. Hold existing position. Target $255.88 (-2.0%), stop $250.59 (−4.2%), A.R:R -1.0:1. Score 6.0/10, moderate confidence.
Take-profit target: $255.88 (-2.0% upside). Target $255.88 (-2.0%), stop $250.59 (−4.2%), A.R:R -1.0:1. Stop-loss: $250.59.
Single-region cliff: 81% exposure to North America (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: North America (80.7%); Analyst target reached - limited upside remaining.
Assurant, Inc. trades at a P/E of 13.2 (forward 11.5). TrendMatrix value score: 8.0/10. Verdict: Hold.
13 analysts cover AIZ with a consensus score of 4.0/5. Average price target: $281.
What does Assurant, Inc. do?Assurant provides device protection, vehicle service contracts, and lender-placed homeowners insurance through two...
Assurant provides device protection, vehicle service contracts, and lender-placed homeowners insurance through two segments: Global Lifestyle (~$9.6 billion in 2025 net earned premiums/fees) and Global Housing (~$2.8 billion). Revenue flows via B2B2C partnerships with mobile carriers, auto dealers, and mortgage servicers. Technology integrations with clients create switching costs that support multi-year exclusive agreements.