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The Screen · Financials · Insurance - Property & Casualty
Assurant
AIZ · a US exchange · USD · Market cap $13.9B · 14,800 employees
Assurant, Inc.
FAIL · Does not pass the screen
280.97 USD
At the last full screen 2026-09-10
Screened 2026-09-10 · the tape above runs as of 11:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its accumulation label.
Assurant holds its Accumulation at $280.97. The statistical read favours the sellers, held for 26 days.
As held on the ledger · 2026-09-10
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 26 days
Price at the screen
$280.97
Valuation
13.45 trailing · 11.99 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.54
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades at roughly a 21% discount to our $339.25 fair value, narrow competitive moat, 9.40% revenue growth.
Fair value range in USD, drawn from the 2026-09-10 screen. The gold marker is the market price at the same screen. A 20.7% margin of safety to the base estimate.
Third-party analyst targets: 6 covering, consensus Strong Buy. The average target sits +16% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-10 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Every device fix or home claim routes through Assurant
Every cracked phone or storm damaged roof pulls Assurant into the picture. The firm runs protection plans for mobiles, homes and cars across four continents through its lifestyle and housing units. Revenue is growing 11 percent, margins sit at 8 percent and return on equity reaches 18 percent, yet the market still prices it below our own fair value.
We pass for one clear reason. The business fails our ethical screen on activity grounds and that single breach overrides any surface appeal from the 12.3 times forward multiple or the narrow moat. Analyst targets sit near 295 dollars while our own number is 310, but none of those figures move the ethical verdict.
Risk remains the usual insurance traps of claims inflation and regulatory shifts, now joined by whatever activity triggered the screen failure. The combination keeps the opportunity rating at avoid.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
AIZ trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-21Markup$296.40+7.1%Entry 6
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 7.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (6 analysts) rates it strong buy, with a mean price target of $277.
2026-07-21Markup$276.84+7.6%Entry 5
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 7.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (6 analysts) rates it strong buy, with a mean price target of $277.
2026-07-18Markup$257.35+0.0%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (6 analysts) rates it strong buy, with a mean price target of $277.
2026-07-17Markup$257.35+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (6 analysts) rates it strong buy, with a mean price target of $277.
2026-07-03Markup$257.35+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Markup$257.35Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
