What Is AIZ Fair Value?
Assurant (AIZ) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Assurant (AIZ) has a composite fair value estimate of $845.39 based on four valuation models: DCF (41% weight), Graham Number (29% weight), PEG (29% weight), and DDM (0% weight). The current market price is $276.33, suggesting the stock is undervalued by 205.9%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued3 of 4 models$845.39
vs. current price of $276.33(+205.9%)
How Is AIZ Fair Value Calculated?
Four independent models estimate what AIZ is worth. Each uses different inputs and assumptions. The composite blends them by weight.
AIZ Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
41% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$1,457.00
+427.3%Undervalued
Inputs used
DDM (Dividend Discount Model)
0% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
N/A
This stock does not pay a dividend, so the DDM cannot be applied. The composite adjusts by redistributing this weight to the other models.
AIZ Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
29% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$249.87
-9.6%Fair Value
Inputs used
PEG (Price/Earnings to Growth)
29% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$224.71
-18.7%Overvalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $276.33 is 427.3% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $2.34B | $2.19B |
| Year 2 | $2.55B | $2.24B |
| Year 3 | $2.78B | $2.28B |
| Year 4 | $3.04B | $2.32B |
| Year 5 | $3.31B | $2.37B |
| Year 6 | $3.61B | $2.42B |
| Year 7 | $3.93B | $2.46B |
| Year 8 | $4.29B | $2.51B |
| Year 9 | $4.67B | $2.56B |
| Year 10 | $5.10B | $2.61B |
| Terminal Value | $118.49B | $60.75B |
What Are AIZ's Key Financial Metrics?
Earnings & Growth
Current Price
$276.33
EPS (TTM)
$20.89
Forward P/E
11.8
Profit Margin
7.9%
Cash & Balance Sheet
Free Cash Flow
2.1B
EBITDA
1.7B
Book Value
$123.48
Total Debt
2.2B
What Do Analysts Say About AIZ?
Low
$300.00
Average
$326.67
High
$355.00
Upside
+18.2%
AIZ Fair Value FAQ
What is the fair value of AIZ?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), AIZ's estimated fair value is $845.39. The stock is currently trading at $276.33, which makes it undervalued by our analysis.
How is AIZ's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is AIZ overvalued or undervalued?
Based on our analysis, AIZ is undervalued. The current price of $276.33 is 205.9% below our estimated fair value of $845.39.
What do Wall Street analysts say about AIZ?
6 analysts cover Assurant with a consensus rating of "Strong Buy." The average price target is $326.67, ranging from $300.00 to $355.00. This implies 18.2% upside from the current price.