NYSE: AIZ - Assurant

Yield per half year: -5.24%
Dividend yield: +1.43%
Sector: Financials

Reporting Assurant

Reports

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023
Финансовый отчет link link link link link link link link


Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
4.72 4.99 5.11 5.95 5.55 8.2 9.37 6.8 7.29 7.46 7.44 5.61
Выручка, млрд $
7.11 6.31 8 10.07 9.59 10.19 10.19 11.13 11.88 11.88 10.60 4.38
Чистая прибыль, млрд $
0.565 0.52 0.251 0.3826 0.4418 0.6135 0.2766 0.6425 0.7602 0.7602 0.5469 11.47
EV, млрд $
6.21 -4.77 6 8.43 8.4 9.41 7.42 9.4 11.49 11.49 9.22 6.47
EBIT, млрд $
0.9062 0.494 0.4322 0.6609 0.6067 1.65 0.4582 0.9148 0.8108 0.8108 0.8881 5.97
EBITDA, млрд $
0.9737 0.6097 0.5591 0.7867 0.751 1.83 0.639 1.12 1.03 1.03 1.07 6.52
Баланс стоимость, млрд $
5.3 5.7 5.11 5.65 5.95 5.49 4.23 4.81 5.11 5.11 5.12 -3.00
FCF, млрд $
0.049 0.468 0.5739 1.3 1.22 0.5943 0.4106 0.9356 1.11 1.11 0.8541 -1.87
Операционный денежный поток, млрд $
0.1345 0.5304 0.6567 1.41 1.34 0.7817 0.5969 1.14 1.33 1.33 1.04 -0.15
Операционная прибыль, млрд $
0.8551 0.4445 0.3341 0.6609 0.6067 1.65 0.4582 0.6425 1.03 1.03 0.8775 11.17
Операционные расходы, млрд $
6.68 5.97 7.72 9.37 3.11 1.81 7.37 11.13 10.95 10.95 6.87 28.63
CAPEX, млрд $
0.085 0.062 0.0828 0.1103 0.1212 0.1874 0.1863 0.2025 0.2213 0.2213 0.1837 12.80


Balance sheet

IFRS
Reporting Annual Quarterly
2010 2011 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
1.03 10.94 1.25 1.87 2.23 2.04 1.54 1.63 1.81 1.81 1.85 -4.09
Short Term Investments $
9.8 9.95 11.63 12.72 13.78 7.46 6.44 6.91 2.38 2.38 7.39 -29.62
Long term investments $
14.27 13.12 11.59 11.66 13.53 14.7 15.81 8.73 7.61 7.39 10.85 -12.85
Total Receivables $
9.08 9.79 10.85 9.59 9.84 6.18 7.01 2.27 2.05 2.05 5.47 -26.93
Total Current Assets $
2.25 2.23 2.9 24.19 25.85 15.68 10.23 10.81 11.04 11.04 14.72 -15.65
Чистые активы, млрд $
4.52 4.1 4.28 2.9 24.19 25.85 21.57 0.6451 10.42 0.6451 16.54 -15.50
Активы, млрд $
29.71 31.84 31.48 44.29 44.65 33.91 33.12 33.64 35.02 35.02 36.07 -4.74
Short Term Debt $
0.4642 0.4524 1.27 1.16 1.07 0.3498 0.1024 4.5 2.2 0.2247 1.48 -8.47
Long Term Debt $
1.18 1.25 2.28 2.33 2.61 2.2 2.13 2.08 2.08 2.08 2.22 -4.44
Задолженность, млрд $
25.61 27.56 35.96 38.61 38.7 28.42 28.9 28.83 29.91 29.91 30.95 -5.02
Чистый долг, млрд $
1.21 0.601 0.752 0.1398 0.0243 0.1617 0.5932 0.453 0.2754 0.2754 0.3015 62.51
Долг, млрд $
2.25 1.07 2.01 2.01 2.25 2.2 2.35 2.08 2.08 2.08 2.19 -1.56
Interest income $
0.0551 0.0576 0.0495 0.1003 0.2736 0.1104 0.1118 0.1083 0.1409 1.55
Расходы на обслуживание долга $
0.0576 0.0495 0.1003 0.1106 0.1045 0.1118 0.1083 0.108 0.107 0.107 0.1079 0.47
Чист. проц. доходы, млрд $
-0.0576 0.0495 0.1003 0.2736 0.1104 0.1118 0.1083 0.1084 0.1083 0.1425 -16.90
Goodwill $
0.8412 0.8335 0.831 0.9177 2.32 2.34 2.59 2.57 2.6 2.61 2.54 2.21
Амортизация, млрд $
0.1251 0.1157 0.1269 0.1258 0.1443 0.1716 0.1808 0.2074 0.2235 0.2235 0.1855 9.14
Себестоимость, млрд $
9.06 0 0 0 0 0 0 0 0 0 9.06 0.00
Товарно материальные запасы $
1.28 1.24 1.36 1.68 22.32 4.12 1.94 0.1555 6.25 6.25 6.96 -22.48


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 9.13 9.39 4.22 6.14 6.99 10.2 5.05 11.95 14.46 14.46 9.73 15.65
Цена акции ао 92.86 100.84 89.44 131.08 136.22 128.21 168.49 213.22 202.07 202.07 169.64 8.21
Число акций ао, млн 62 55 59 62 63 60 54.78 53.78 52.58 52.58 56.83 -3.55
FCF/акцию 0.795 8.51 9.64 20.91 19.32 9.88 7.5 17.4 21.14 21.14 15.05 1.82


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 13.11 12.42 5.35 7.11 7.61 10.72 5.69 14.22 15.33 15.33 23.22 10.71 15.04
ROA, % 1.89 1.69 0.9145 1.01 0.9935 1.56 0.8252 1.92 2.21 2.21 4.05 1.50 17.34
ROIC, % 2.53 10.8 9.4 3.41 4.83 70.16 6.24 6.51 11.59 0 8.01 19.87 19.13
ROS, % 7.83 5.4 6.56 4.06 16.23 2.71 5.77 6.4 6.4 6.4 24.58 7.50 -16.98
ROCE, % 11.54 -17.32 1.64 2.19 5.87 1.59 2.76 2.45 20.25 2.45 25.21 6.58 28.10
Ebit margin, % 5.46 5.38 15.22 4.5 8.22 6.83 8.71 6.83 8.70 -10.56
Рентаб EBITDA, % 9.66 6.99 7.81 7.83 17.92 6.27 10.08 8.71 10.59 8.71 35.32 10.71 -9.99
Чистая рентаб, % 7.95 8.23 3.14 3.8 4.61 6.02 2.71 5.77 6.4 6.4 24.52 5.10 6.78
Operation Margin, % 7.04 4.18 5.51 69.19 6.02 4.5 5.77 8.71 7.81 8.71 47.29 6.56 5.34
Чистая процентная маржа, % 5.41 4.54 1.37 7.95 8.23 2.96 3.61 4.2 13.43 13.23 25.36 6.49 10.29
Доходность FCF, % 6.4 2.96 0.9871 9.17 9.33 18.27 16.61 6.73 4.76 12.83 11.84 -6.83


Coefficients

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
9.9 22.9 20.91 21.66 18.95 15.08 24.67 13.92 14.75 14.75 24.91 17.47 -4.89
P/BV
1.2 1.3 -1.17 1.46 1.41 1.68 1.61 1.86 2.2 2.2 5.58 1.75 9.31
P/S
0.7 0.9 0.6561 0.8227 0.8728 0.9079 0.6695 0.8035 0.9439 0.9439 5.40 0.8395 1.58
P/FCF
11.83 8.77 5.78 6.55 15.13 20.99 18.17 7.97 5.6 5.6 7.53 13.57 -18.03
E/P
0.0968 0.0408 0.0537 0.06 0.0695 0.0321 0.0881 0.0861 0.1019 0.1019 1.16 0.0755 7.95
EV/EBIT
15.31 16.71 6.15 16.19 10.27 14.17 11.11 14.17 11.58 12.56
EV/EBITDA
6.37 9.27 10.73 10.71 11.18 5.16 11.61 8.37 11.11 11.11 4.73 9.49 -0.13
EV/S
0.8562 0.9456 0.7638 0.8112 1.1 0.7277 0.8442 0.9671 0.9671 0.9671 6.08 0.9212 -2.54
EV/FCF
123.45 12.74 5.9 6.37 18.83 18.06 10.04 10.34 8.62 10.34 12.45 13.18 -14.47
Debt/EBITDA
1.75 3.59 2.55 3 1.21 3.68 1.85 2.01 1.66 2.01 -5.80 2.08 6.53
Netdebt/Ebitda
1.07 2.22 0.67 -16.37 2.48 0.9283 0.4037 0.2663 0.219 0.2663 -12.97 0.8595 -38.45
Debt/Ratio
0.87 0.88 0.87 0.06 0.84 0.0711 0.0619 0.0595 0.0595 0.0595 0.19 0.2184 -41.11
Debt/Equity
6.44 7 6.79 0.43 5.18 0.5568 0.4326 0.4079 5.86 0.4079 8.96 2.49 2.50
Debt/Net Income
3.97 3.08 6.35 6.04 7.18 8.51 3.24 2.74 2.74 2.74 23.77 4.88 -17.52
PEG
8.44 8.44 8.44 0.00
Бета
0.61 0.63 0.54 1.74 2.02 1.06 1.06 0.44 1.20 10.97
Индекс Альтмана
-0.29 -0.4 -0.31 2.6 0.3517 0.2243 1.3 1.54 3.92 3.92 4.70 1.47 61.97


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0942 0.119 0.148 0.17 0.1733 0.1623 0.1502 0.1523 0.1559 0.1112 0.1588 -2.09
Дивиденд
2.15 2.28 2.43 2.55 2.66 2.74 2.84 3.04 0.8 3.04 2.42 -21.36
Див доход, ао, %
2.15 2.34 1.83 1.94 1.78 2.19 1.67 1.38 1.6 1.43 2.36 1.72 -2.11
Дивиденды / прибыль, %
21.2 48.1 58.96 44.43 39.23 26.45 54.3 23.7 20.51 20.51 42.23 32.84 -12.16
Dividend Coverage Ratio
3.51 1.48 2.21 2.72 4.08 1.82 4.22 5.78 6.84 6.84 4.55 10.89


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Other

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM CAGR 5
НИОКР, млрд
0 0 0 0 0 0 0 0 0
Персонал, чел
13600 15600 13700 13600 0.00