Assurant, Inc. Financial Ratios — ZAS Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	11.16	9.62	9.76	9.4	2.92	13.12	12.42	5.05	6.76	7.28	23.78	5.71	14.22	15.33	15.9
Return on Assets (%)	2.02	1.73	1.67	1.54	0.46	1.89	1.69	0.69	0.9	0.99	3.47	0.83	1.93	2.21	2.45
Return on Capital (%)	10.09	8.7	8.5	7.92	3	11.13	- -	5.21	6.11	6.72	18.26	5.17	11	12.04	12.58
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	8.56	8.93	8.74	7.17	1.95	11.94	7.04	4.18	4.77	6.02	7.57	3.43	7.25	7.81	8.49
Profit Margin (%)	6.53	5.7	5.41	4.54	1.37	7.95	8.23	3.14	4.01	4.59	13.37	2.71	5.77	6.4	6.81
Net Income to Common Margin (%)	6.53	5.7	5.41	4.54	1.37	7.95	8.23	2.97	3.82	4.39	13.32	2.71	5.77	6.4	6.81
Effective Tax Rate (%)	23.67	36.17	38.09	36.72	29.62	33.37	- -	24.26	32.61	10.15	21.83	20.95	20.36	18.02	19.74
Dvd Payout Ratio (%)	12.5	14.35	15.16	16.46	66.53	22.16	22.9	55.75	51.87	30.82	26.35	54.3	23.7	20.51	19.3
Sustainable Growth Rate (%)	9.77	8.24	8.28	7.86	0.98	10.21	9.57	2.23	3.26	5.04	17.52	2.61	10.85	12.19	12.83

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	972	972	1,638	1,171	1,165	1,067	1,068	2,006	2,007	2,253	2,203	2,130	2,080	2,083	2,207
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	225	- -	- -	- -
LT Debt	972	972	1,638	1,171	1,165	1,067	1,068	2,006	2,007	2,253	2,203	1,905	2,080	2,083	2,207
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	60	60	78	58	55	58	50	100	111	105	112	108	108	107	110
Common Equity/Total Assets	18.04	17.91	16.27	16.42	15.06	13.79	13.41	12.43	12.76	13.32	16.11	12.77	14.3	14.58	16.18
Long-Term Debt/Equity (%)	19.95	18.75	33.89	22.6	25.74	26.04	24.95	39.07	35.32	37.83	40.31	45.05	43.26	40.79	37.59
Long-Term Debt/Capital (%)	16.63	15.79	25.31	18.44	20.47	20.66	19.97	28.1	26.1	27.45	28.73	29.96	30.19	28.97	27.32
Long-Term Debt/Total Assets (%)	3.6	3.36	5.51	3.71	3.88	3.59	3.35	4.88	4.53	5.05	6.49	5.75	6.19	5.95	6.08
Total Debt/Equity (%)	19.95	18.75	33.89	22.6	25.74	26.04	24.95	39.07	35.32	37.83	40.31	50.37	43.26	40.79	37.59
Total Debt/Capital (%)	16.63	15.79	25.31	18.44	20.47	20.66	19.97	28.1	26.1	27.45	28.73	33.5	30.19	28.97	27.32
Total Debt/Total Assets (%)	3.6	3.36	5.51	3.71	3.88	3.59	3.35	4.88	4.53	5.05	6.49	6.43	6.19	5.95	6.08
Net Debt to Equity	-3.99	1.21	-1.64	-2.85	-2.73	0.85	1.67	14.65	2.46	0.76	2.96	14.03	9.42	5.39	6.35
Net Debt/Capital (%)	-4.16	1.2	-1.66	-2.93	-2.81	0.85	1.64	12.78	2.4	0.75	2.87	12.3	8.61	5.12	5.97
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	18.04	17.91	16.27	16.42	15.06	13.79	13.41	12.43	12.76	13.32	16.11	12.77	14.3	14.58	16.18
Long-Term Debt/Equity (%)	19.95	18.75	33.89	22.6	25.74	26.04	24.95	39.07	35.32	37.83	40.31	45.05	43.26	40.79	37.59
Long-Term Debt/Capital (%)	16.63	15.79	25.31	18.44	20.47	20.66	19.97	28.1	26.1	27.45	28.73	29.96	30.19	28.97	27.32
Long-Term Debt/Total Assets (%)	3.6	3.36	5.51	3.71	3.88	3.59	3.35	4.88	4.53	5.05	6.49	5.75	6.19	5.95	6.08
Total Debt/Equity (%)	19.95	18.75	33.89	22.6	25.74	26.04	24.95	39.07	35.32	37.83	40.31	50.37	43.26	40.79	37.59
Total Debt/Capital (%)	16.63	15.79	25.31	18.44	20.47	20.66	19.97	28.1	26.1	27.45	28.73	33.5	30.19	28.97	27.32
Total Debt/Total Assets (%)	3.6	3.36	5.51	3.71	3.88	3.59	3.35	4.88	4.53	5.05	6.49	6.43	6.19	5.95	6.08
CFO/Total Liabilities	3.86	2.86	4.13	1.49	0.9	0.42	1.92	1.83	3.66	3.47	2.75	2.07	3.95	4.46	6.03
CFO/CapEx	23.93	12.04	19.64	4.71	2	1.27	8.54	7.93	12.81	11.07	4.17	3.2	5.62	6.02	7.79
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	2.54	1.32	1.33	1.36	1.21	0.76	0.6	0.74	0.87	1	1.26	1.17	1.23	1.29	1.43
Days Sales Outstanding	143.82	275.59	273.88	267.58	302.49	481.37	610.29	495.28	420.76	366.81	289.3	310.88	297.55	282.7	255.61
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	1,167	909	1,717	1,319	1,288	1,032	997	1,254	1,867	2,208	2,041	1,537	1,627	1,808	1,834
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	3	3	3	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	11	22	29	3	- -	- -	- -	- -	- -
+ Total Debt	972	972	1,638	1,171	1,165	1,067	1,068	2,006	2,007	2,253	2,203	2,130	2,080	2,083	2,207
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	5,846	6,158	6,472	6,352	5,689	5,165	5,350	7,140	7,689	8,208	7,667	6,359	6,890	7,190	8,079
Total Debt/Capital (%)	16.63	15.79	25.31	18.44	20.47	20.66	19.97	28.1	26.1	27.45	28.73	33.5	30.19	28.97	27.32
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	8,252	8,490	9,031	10,383	10,313	7,108	6,311	7,983	9,530	9,611	10,188	10,193	11,132	11,878	12,814
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	901	718	1,076	431	269	147	- -	733	1,488	1,436	869	683	1,224	1,420	1,922
TTM Free Cash Flow to Firm	866	662	1,023	347	154	62	- -	650	1,378	1,315	682	496	1,022	1,199	1,686

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	89	79	72	69	66	56	52	62	60	58	56	53	52	51	50
Diluted Weighted Avg Shares	98	85	78	73	69	62	55	60	62	63	60	55	54	53	51
Basic Weighted Avg Shares	97	84	77	72	68	61	55	59	62	60	59	54	53	52	50
Revenue per Share	85.4	100.74	117.83	143.85	151.29	116.02	114.77	134.75	153.85	159.87	172.26	187.47	208.24	227.4	253.9
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	5.58	5.74	6.38	6.52	2.08	9.23	9.45	4	5.87	7.02	22.95	5.09	12.02	14.55	17.29
Basic EPS from Cont Ops	5.58	5.74	6.38	6.52	2.08	9.23	9.45	4.26	4.95	8.64	10.19	5.09	12.02	14.55	17.29
Diluted EPS, GAAP	5.51	5.67	6.3	6.44	2.05	9.13	9.39	3.98	5.84	6.68	22.57	5.05	11.95	14.46	17.08
Diluted EPS from Cont Ops	5.51	5.67	6.3	6.44	2.05	9.13	9.39	4.24	4.92	8.22	10.03	5.05	11.95	14.46	17.08
Dividend per Share	0.7	0.82	0.97	1.07	1.38	2.05	2.16	2.5	2.75	2.88	2.74	2.76	2.85	2.98	3.34
Cash Flow per Share	8.85	8.07	13.41	5.46	3.37	1.77	9.65	11.09	22.82	22.32	13.22	10.98	21.29	25.52	36.34
Free Cash Flow per Basic Share	8.48	7.4	12.72	4.3	1.69	0.38	8.52	9.69	21.04	20.31	10.05	7.55	17.5	21.28	31.67
Cash & Equivalents per Share	144.6	170.12	187.66	186.54	182.42	193.63	208.77	208.12	243.42	160.69	170.46	150.97	71.86	182.25	91.42
Book Value per Share	55.06	65.92	67.29	74.77	68.7	73.26	81.47	82.53	94.25	102.62	98	80.04	92.57	100.46	117.92
Tangible Book Value per Share	43.6	53.64	50.69	56.46	51.21	53.53	57.99	-16.04	12.71	26.06	28.52	13.7	29.83	38.46	54.29