Assurant
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
13.0211.59
Price/Sales ratio
1.020.99
Earnings per Share (EPS)
$16.65$18.70

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
10.4838.7810.0610.6721.1021.2218.5715.0224.5814.0115.1421.22
Price/Sales ratio
0.470.530.800.870.660.800.850.900.660.800.930.66
Price/Book Value ratio
0.951.211.381.291.031.431.371.671.601.872.131.03
Price/Cash Flow ratio
12.5421.5642.2810.458.065.746.1011.7911.397.917.045.74
Price/Free Cash Flow ratio
15.9239.30115.4011.849.236.236.7015.5116.569.627.176.23
Price/Earnings Growth ratio
4.78-0.560.024.47-0.380.461.330.31-0.480.100.11-0.38
Dividend Yield
1.56%1.71%2.20%2.14%2.79%2.09%2.11%1.76%2.20%1.69%1.37%2.09%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
7.72%2.48%12.74%7.82%5.40%5.46%5.23%15.13%4.49%5.77%6.62%5.40%
Pretax Profit Margin
7.16%1.95%11.93%7.04%4.16%5.50%6.05%7.68%3.43%7.24%7.68%4.16%
Net Profit Margin
4.53%1.37%7.95%8.23%3.13%3.79%4.59%6.02%2.71%5.77%6.30%3.13%
Effective Tax Rate
36.71%29.63%33.37%-16.89%24.25%30.24%10.39%21.64%20.94%20.36%17.97%30.24%
Return on Assets
1.49%0.47%1.90%1.63%0.61%0.86%0.98%1.80%0.83%1.91%2.09%0.61%
Return On Equity
9.08%3.12%13.79%12.16%4.91%6.76%7.40%11.17%6.54%13.35%14.83%4.91%
Return on Capital Employed
12.63%4.47%17.54%9.25%6.07%1.36%1.81%5.24%1.58%1.91%2.49%1.36%
Liquidity Ratios
Current Ratio
0.100.100.090.080.080.093.73N/AN/AN/A2.730.08
Quick Ratio
0.050.050.040.030.030.461.764.352.44N/A2.730.03
Cash ratio
0.050.050.040.030.030.460.130.450.36N/A0.440.03
Days of Sales Outstanding
50.8144.62N/AN/AN/A347.63N/AN/A86.1774.2855.34347.63
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A55.34N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A55.34N/A
Debt Ratios
Debt Ratio
0.030.030.030.030.040.040.050.060.060.060.050.04
Debt Equity Ratio
0.220.250.260.250.390.350.370.400.500.430.390.39
Long-term Debt to Capitalization
0.180.200.200.200.280.260.270.280.310.300.280.28
Total Debt to Capitalization
0.180.200.200.200.280.260.270.280.330.300.280.28
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A-67.15N/AN/AN/A7.28N/A
Cash Flow to Debt Ratio
0.330.210.120.490.320.700.590.350.280.540.760.32
Company Equity Multiplier
6.096.647.247.458.037.837.506.177.836.996.727.83
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.030.020.010.080.080.140.130.070.050.100.130.08
Free Cash Flow / Operating Cash Flow Ratio
0.780.540.360.880.870.920.900.760.680.820.960.87
Cash Flow Coverage Ratio
0.330.210.120.490.320.700.590.350.280.540.760.32
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A2.65N/AN/AN/A
Dividend Payout Ratio
16.45%66.52%22.17%22.90%58.96%44.43%39.31%26.45%54.30%23.70%20.67%44.43%