Assurant, Inc. (AIZ) Fair Value 2026

AIZ · Insurance - Property & Casualty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.9 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Assurant, Inc. (AIZ) trades at $285.41, versus a $243.41 median fair value across its 6 active models — 14.7% below the current price. QOC: 8.9/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
AIZ
Price
$285.41
Quality Score
8.9/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.9/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Assurant, Inc. (AIZ) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Assurant, Inc. (AIZ) appears overvalued as of : the median of 6 independent fair value estimates is $243.41, 14.7% below the current price of $285.41. Estimates range from $164.42 to $399.51. AIZ scores 8.9/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. AIZ’s -14.7% gap is narrower than that market norm, and the Insurance - Property & Casualty sector median is -14.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Assurant, Inc. Stock in 2026? →

What Fair Value Does Each Model Give AIZ?

6 Intrinsic Value Models vs. Current Price ($285.41)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $165.37 -42.1%
Ensemble · Medium Conviction
 $244.07 -14.5%
Intrinsic · High Conviction
 $164.42 -42.4%
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What Is AIZ's Fair Value Range?

Spread across 6 independent models · $164.42 to $399.51

CirclFi's 6 active models place Assurant, Inc. (AIZ) between $164.42 and $399.51 per share, a spread of 97% of the median. The median of that range — $243.41 — is the fair value CirclFi publishes for AIZ, against a current price of $285.41.

Low · Markov DDMHigh · ML-RIV
$164.42median $243.41$399.51
Where the range comes from
Most bearish modelMarkov DDM$164.42
Most bullish modelML Residual Income$399.51
Model agreement2 bullish · 4 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on AIZ, not a CirclFi price target. How each model works →

What Is Assurant, Inc. (AIZ) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Assurant, Inc.'s intrinsic value is estimated at a median fair value of $243.41. Trading at $285.41, the stock is approaching fair value or slight overvaluation (implied return of -14.7%), as 4 of 6 models suggest limited further upside. The most optimistic model, ML-RIV, places fair value at $399.51 (+40.0%), while Markov DDM — the most conservative — estimates $164.42 (-42.4%). This +82.4% gap reflects genuine analytical uncertainty about Assurant, Inc.'s intrinsic worth. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About AIZ?

6 of 13 models are currently active for AIZ. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for AIZ is $243.41 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does AIZ Rank in Insurance - Property & Casualty?

Among 41 Insurance - Property & Casualty stocks, AIZ ranks #12 by Quality of Company score. CirclFi's QOC score of 8.9/10 evaluates 32 fundamental signals. A score of 8.9 places AIZ in the top tier.

Assurant, Inc.'s positioning within the Insurance - Property & Casualty segment means that investment float plays an outsized role in fundamental analysis. The sector's unique characteristics — including premium rate hardening — shape both the opportunity set and risk profile.

Is AIZ a Value Trap?

CirclFi's Value Trap algorithm assigns AIZ a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Assurant, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Assurant, Inc. scores 8.9 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +82.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every AIZ valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across AIZ's 6 active models, average confidence is 47%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Assurant, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Property & Casualty Stocks Should You Also Analyze?

10 related Insurance - Property & Casualty stocks with 13-model coverage

MKLMarkel Group Inc.QOC 9.0CINFCincinnati Financial CorporationQOC 8.8RLIRLI Corp.QOC 9.0PGRThe Progressive CorporationQOC 8.8HGTYHagerty, Inc.QOC 9.0ACICAmerican Coastal Insurance CorporationQOC 8.8WTMWhite Mountains Insurance Group, Ltd.QOC 8.4SAFTSafety Insurance Group, Inc.QOC 7.9HCIHCI Group, Inc.QOC 9.9HRTGHeritage Insurance Holdings, Inc.QOC 9.7

Read investment analysis: MKL · CINF · RLI · PGR · HGTY · ACIC · WTM · SAFT · HCI · HRTG

Which Other Stocks Have a Similar Quality Score to AIZ?

7 companies across all industries closest to AIZ’s Quality of Company score of 8.9/10.

SHBIShore Bancshares, Inc.QOC 8.9CWCOConsolidated Water Co. Ltd.QOC 8.9OBTOrange County Bancorp, Inc.QOC 8.9DOCUDocuSign, Inc.QOC 8.9PENPenumbra, Inc.QOC 8.9YELPYelp Inc.QOC 8.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SHBI · CWCO · OBT · DOCU · PEN · YELP · NVDA

What Else Do Investors Ask About Assurant, Inc.’s Valuation?

What is Assurant, Inc.'s intrinsic value in 2026?

CirclFi puts Assurant, Inc. (AIZ)'s intrinsic value at $243.41 — the median of 6 independent model estimates as of 2026-08-27, ranging from $164.42 to $399.51. The Quality of Company score is 8.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is AIZ overvalued or undervalued right now?

At $285.41, 2 of 6 active models suggest AIZ may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $243.41, 14.7% below the current price of $285.41 — a consensus view that AIZ is overvalued. The assessment depends on which methodology best fits Assurant, Inc.'s business model in Insurance - Property & Casualty.

What does a Quality of Company score of 8.9 mean for AIZ?

Assurant, Inc.'s QOC of 8.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on AIZ?

CirclFi analyzes AIZ with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on AIZ?

Of the 6 models currently active on AIZ, ML Residual Income is the most bullish at $399.51 per share, and Markov DDM is the most bearish at $164.42. CirclFi's published fair value for AIZ is the median of that range, $243.41, not either extreme. The gap between the two ends equals 97% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is AIZ a value trap in 2026?

Assurant, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Assurant, Inc. (AIZ) has a median fair value of $243.41 — 14.7% below the current price of $285.41 — as of 2026-08-27.” Source: circlfi.com/stock/AIZ/ · Methodology
Primary sources for this AIZ valuation
  • Financial statements: Assurant, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001267238) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for AIZ as of ; valuations recomputed .

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