Does AIZ pay a dividend and is it safe?

Assurant Inc. (AIZ) offers a 1.17% cash dividend yield ($3.48 annualized) and 2.97% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Stock Ratings / Financials / AIZ / dividends

RNR (75) BNT (47) EG (74) CNA (73) ⌘ Pro Terminal →

Assurant Inc. (AIZ) Dividend Safety Gauge & 10-Year DRIP Compounder

$297.23 +1.51% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $298.75

Assurant Inc. (AIZ) earns a Roarable Rating of B (Buy) with 75/100 RQD Confidence. High-quality cash engine (steady margins, 5% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $14.44B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AIZ Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AIZ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Assurant Inc. (NYSE: AIZ) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 75/100 at a spot price of $297.23 (+1.51% 1D, market cap $14.44B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, AIZ ranks #33 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AIZ compare to RNR and BNT in the Financials sector?

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Within the Financials sector (Property-Casualty Insurers), AIZ carries a Roarable B (75/100 RQD), trailing P/E of 16.5x, gross margin of —, and ROIC of 5.0%. By comparison, RNR (RenaissanceRe Holdings Ltd.) holds a B grade (75/100 RQD, P/E 5.1x, ROIC 10.6%, cap $13.71B) and BNT (Brookfield Wealth Solutions Ltd. Class A Exchangeable Limited Voting Shares) posts a D grade (47/100 RQD, P/E N/A, ROIC —, cap $13.25B). Among the 5-stock peer group, RNR leads on earnings multiple (5.1x) while CNA leads on capital efficiency (19.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AIZ?

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Per AIZ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001267238), Assurant Inc. generated $12.81B in revenue (+7.9% YoY), $872.7M in net income, and $1.60B in free cash flow against $36.29B in total assets and $13.69B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $298.75 (+0.51%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 12.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+7.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AIZ)Realized 20D OHLCV Swing Band: ±3.8%

Deterministic 5-Pillar Attribution (75/100 Composite)

🔍 WHY AIZ SCORES 75/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+16/20 pts (21% of score)

20D Institutional Volume Accumulation (±3.8% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit13/20 pts (-7 pt drag)

Macro rate sensitivity & RSI-14 (65.5) create a -7 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$276.33+2.9% Next Q

Q2 (-2Q)

Grade B$284.30+0.2% Next Q

Q3 (-1Q)

Grade B$284.99+4.3% Next Q

Current

Grade B$297.23+7.4% Hist 90D α

Trajectory: B- (67) → B (75)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AIZ Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 75/100 (B) score, AIZ faces multiple-compression risk if 16.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($279.18) or 200D SMA ($255.39) invalidates the momentum regime and cuts Target Base ($319.97) toward Bear Floor ($243.73).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AIZ• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “AIZ Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 75%NO 25%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

2.97% Total Yield

1.17% Cash ($3.48/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $20,230

Est. Year-10 Shareholder Yield: $601/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.5K

Yr 2

$12.4K

Yr 3

$13.3K

Yr 4

$14.2K

Yr 5

$15.3K

Yr 6

$16.4K

Yr 7

$17.6K

Yr 8

$18.9K

Yr 9

$20.2K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in AIZ & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on AIZ and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

AIZ // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +29.73%⚡ TESTING RESISTANCE

2026-11-03O $292.7H $297.2L $292.7C $297.2VOL 321.6K

RES: $298.3SUP: $255.6SMA50: $279.2SMA200: $255.4

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AIZ Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AIZ Butterfly Map → + Track AIZ →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

9.3%/yr Implied 5Y Growth

vs. +7.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on AIZ today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AIZ. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for AIZ today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AIZ)

Financials Rank #33 of 1097 ⚔️ RNR vs AIZ Full Matrix →

1. Head-to-Head Financials Peer Comparison (AIZ vs. RNR, BNT, EG, CNA)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Assurant Inc. (AIZ) ranks #33 by composite RQD confidence (75/100, grade B) and #143 by equity capitalization ($14.44B). Within this direct 5-issuer industry benchmark cohort, RNR leads on earnings valuation at 5.1x trailing P/E, while CNA leads on capital efficiency and profitability with 19.7% ROIC and — gross margin. AIZ currently leads its immediate peer cohort in composite quantitative strength at 75/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
AIZ ACTIVE Assurant Inc.	B	75/100	16.5x	—	5.0%	+1.51%	$14.44B	Benchmark Subject
RNR RenaissanceRe Holdings Ltd.	B	75/100	5.1x	—	10.6%	+3.42%	$13.71B	/rnr-vs-aiz →
BNT Brookfield Wealth Solutions Ltd. Class A Exchangeable Limited Voting Shares	D	47/100	—	—	—	+5.43%	$13.25B	/bnt-vs-aiz →
EG Everest Group Ltd.	B	74/100	9.7x	—	5.5%	+1.64%	$15.76B	/eg-vs-aiz →
CNA CNA Financial Corporation	B	73/100	10.3x	—	19.7%	-1.56%	$13.17B	/cna-vs-aiz →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001267238 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Assurant Inc. (AIZ) reported GAAP revenue of $12.81B (+7.9% vs. FY2024 revenue of $11.88B , and +15.1% cumulative change since FY2023) , GAAP net income of $872.7M, operating cash flow of $1.83B, and free cash flow of $1.60B (+43.8% YoY). On the balance sheet, AIZ closed FY2025 with $36.29B in total assets against $13.69B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$12.81B	$872.7M	$1.83B	$1.60B	$36.29B	$13.69B
FY2024 (FY)	2024-12-31	$11.88B	$760.2M	$1.33B	$1.11B	$35.02B	$13.46B
FY2023 (FY)	2023-12-31	$11.13B	$642.5M	$1.14B	$637.2M	$13.36B	$3.13B

3. AIZ Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AIZ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does AIZ compare to RNR and BNT in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for AIZ?

Where is AIZ trading relative to its 50-day, 200-day, and 52-week technical levels?

AIZ last traded at $297.23 (+1.51% on volume of 483,446 shares), positioning the stock +6.47% above its 50-day simple moving average ($279.18) and +16.38% above its 200-day simple moving average ($255.39). Across its 52-week range of $207.78 to $303.94, AIZ sits at the 93.0% percentile with a 14-day RSI of 65.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.8% ($285.94 to $308.52).

Direct Sub-Reports: AIZ RQD Cockpit AIZ 12M Forecast AIZ Earnings & Move AIZ Dividends & DRIP AIZ Insiders & 13F AIZ Whale Options AIZ Profit Sankey AIZ News & Why

ROARABLE RATING BRIEF • RQD 75/100 (B) ✓ SEC XBRL & RQD VERIFIED

AIZ — Assurant Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Assurant Inc. (AIZ) earns a live Roarable RQD composite score of 75/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $297.23 (+1.51% 1D, market capitalization $14.44B).

Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 5.0%, gross margin of —, operating margin of 8.3%, and free cash flow yield of 11.07%.
Whale 13F & Options Flow (16/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (13/20) + Forensic Balance Sheet (15/20): Incorporates a 0.92x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Assurant Inc. (AIZ) is a NYSE-listed issuer classified under the Financials sector and the Property-Casualty Insurers industry.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Assurant Inc. (AIZ) reported $12.81B in annual revenue (up from $11.88B in FY2024, +7.9% YoY) and $872.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($11.13B revenue, $642.5M net income) through FY2025, AIZ scaled operating cash flow to $1.83B and free cash flow to $1.60B, backed by $36.29B in total assets against $13.69B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B • RQD 75/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $207.78 – $303.94 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 16.5x trailing P/E and 20.1x EV/EBITDA against 8.3% operating margins and a 0.92x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks cannot be mapped from the source.

Key Question #1: Can AIZ sustain or expand its 8.3% operating margin and 5.0% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $12.81B and free cash flow of $1.60B, how will capital allocation balance growth reinvestment against $13.69B in total debt?
Key Question #3: How sensitive is AIZ's 15.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.92x)?

AIZ Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Assurant Inc. (AIZ) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AIZ Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Should Value Investors Buy Assurant (AIZ) Stock?

Yahoo Finance report covering Assurant Inc. (AIZ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Is Assurant (AIZ) Outperforming Other Finance Stocks This Year?

Yahoo Finance report covering Assurant Inc. (AIZ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST TradingView • 1d ago

Will Assurant Pull Off an Earnings Beat in the Third Quarter?

TradingView report covering Assurant Inc. (AIZ) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

Here’s How Much You Would Have Made Owning Assurant Stock In The Last 15 Years

Benzinga report covering Assurant Inc. (AIZ) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE Simply Wall St • 1d ago

Assurant (AIZ) Stock Still Looks Below Fair Value Today

Simply Wall St report covering Assurant Inc. (AIZ) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE Yahoo Finance • 1d ago

Are Finance Stocks Lagging Assurant (AIZ) This Year?

Yahoo Finance report covering Assurant Inc. (AIZ) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE Stock Titan • 1d ago

The average new gaming console costs $650. CPR Cell Phone Repair is offering up to $50 off eligible services.

Stock Titan report covering Assurant Inc. (AIZ) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE TradingView • 1d ago

Assurant (AIZ) Q3 earnings: what to expect

TradingView report covering Assurant Inc. (AIZ) market action, institutional positioning, and fundamental catalysts.

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🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AIZ Bull vs. Bear Conversation Board — What's Your Call at $297.23?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AIZ 🐻 33% BEARISH CONVICTION

MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $383.57 (+31.0%)

📌 Pinned Debate

Strong insider-conviction (17/20) and a 11.07% FCF yield support a Roarable Buy rating with a Piotroski F-Score of 8/9.

Don't sleep on AIZ's setup in Financials. Strong insider-conviction (17/20) and a 11.07% FCF yield support a Roarable Buy rating with a Piotroski F-Score of 8/9.. Beta of 0.92 means it moves fast when momentum turns, and the 5-pillar RQD gauge (75/100) backs up the fundamental quality.

ArenaChamp_24 🐂 BULL

@MidwestValue Agree on the RQD 75/100 quality, though with 0.92 beta I'm scaling in with half-size at $292.80 and keeping dry powder in case we test $272.30.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $245.95 (-16.0%)

Spot @ $292.80

ROIC of only 5% and debt rising from $3.13B to $13.69B weigh against a P/E of 16.5 and EV/EBITDA of 20.1.

Here is the bear case nobody on the bull side wants to address on AIZ: ROIC of only 5% and debt rising from $3.13B to $13.69B weigh against a P/E of 16.5 and EV/EBITDA of 20.1.. At 16.5x trailing P/E, even a small guidance miss in Property-Casualty Insurers triggers a 12-15% air pocket.