L'intérêt à découvert pour Assurant donne aux investisseurs une idée du degré auquel les investisseurs parient sur la baisse de l'action de Assurant. Les données sur l'intérêt à découvert sont mises à jour toutes les deux semaines.

Assurant (NYSE:AIZ) Stock, Rapport sur les intérêts à découvert

Assurant

Assurant Inc offers a range of property-casualty, health, employee benefit, and warranty insurance to a client base made up of individuals and institutions. Its segments are Global Housing, Global lifestyle, Corporate and Other. Global Housing provides lender-placed homeowners insurance, lender-placed manufactured housing insurance and lender-placed flood insurance; renters insurance and related products; and voluntary manufactured housing insurance, voluntary homeowners insurance and other specialty products. Global Lifestyle, the key revenue-generating segment, provides mobile device solutions and extended service products and related services for mobile devices, consumer electronics and appliances; vehicle protection; and credit protection and other insurance products.

Education

ILMN

La Bourse a tendance à offrir des gains bien documentés au cours des derniers jours de négociation de décembre, un phénomène connu sous le nom de &#34;rallye du père Noël&#34;. 



Cette période d&#39;optimisme a historiquement

Rallye du Père Noël : 10 actions du S&amp;P 500 qui surperformant de manière constante pendant l&#39;optimisme de fin d&#39;année

Assurant Inc

Assurant, Inc. 5.25% Subordinated Notes due 2061

AIZAWA SECURITIES GROUP by AIZAWA SECURITIES GROUP CO LTD.

Aizawa Securities Group Co Ltd

<p>The stock market has a well-documented tendency to deliver gains during the final trading days of December, a phenomenon known <a href="https://www.benzinga.com/24/12/42667439/us-stocks-to-open-higher-on-shortened-trading-day-as-santa-clause-rally-period-begins-says-analyst">as the &#8220;Santa Claus rally.&#8221; </a></p>
<p>This period of optimism has historically brought cheer to investors, with the S&amp;P 500 gaining in 64 out of the last 96 years during the Dec. 24–Dec. 31 window, averaging a respectable 0.85% return, according to data from Seasonax.</p>
<p>The Santa Claus rally's most memorable performance occurred in 2018, when the S&amp;P 500 surged 6.6%, its strongest year-end rally on record. Close on its heels was 1933, which delivered a 5.5% rally.</p>
<p>On the flip side, 1937 and 2000 stand out as exceptions, with losses of 4.6% and 2.4%, respectively, over the same period.</p>
<p>The pattern holds true even during election years, offering hope to traders as 2024 wraps up. In the past 24 election years, the S&amp;P 500 has posted gains in 15 instances, averaging a modest 0.7% return. Notable rallies occurred in 2008, with a 4% rise, and in 1928, when the index climbed 3.4%.</p>
<h3 class="wp-block-heading">10 Santa Rally Hyper Responders</h3>
<p>For traders looking to capitalize on this seasonal tailwind, certain stocks have consistently outperformed during the Santa Claus rally window.</p>
<p>Here are 10 notable S&amp;P 500 stocks that have historically shone between Dec. 24 and Dec. 31 over the last 20 years:</p>
<p><figure class="wp-block-table is-style-stripes"><br />
<table>
<thead>
<tr>
<th><strong>Company</strong></th>
<th><strong>Avg. Return</strong></th>
<th><strong>Median Return</strong></th>
<th><strong>Max Profit</strong></th>
<th><strong>Max Loss</strong></th>
<th><strong>Win Ratio</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Newmont Mining Corporation</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NEM#NYSE">NEM</a>)</td>
<td>+1.68%</td>
<td>+1.36%</td>
<td>+10.76%</td>
<td>-2.97%</td>
<td>65%</td>
</tr>
<tr>
<td><strong>Illumina, Inc</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ILMN#NASDAQ">ILMN</a>)</td>
<td>+1.49%</td>
<td>+1.25%</td>
<td>+10.08%</td>
<td>-2.64%</td>
<td>60%</td>
</tr>
<tr>
<td><strong>Western Digital Corporation</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WDC#NASDAQ">WDC</a>)</td>
<td>+1.42%</td>
<td>+0.96%</td>
<td>+10.96%</td>
<td>-3.60%</td>
<td>60%</td>
</tr>
<tr>
<td><strong>Assurant, Inc</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>)</td>
<td>+1.41%</td>
<td>+0.56%</td>
<td>+14.33%</td>
<td>-4.07%</td>
<td>65%</td>
</tr>
<tr>
<td><strong>Mohawk Industries, Inc</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MHK#NYSE">MHK</a>)</td>
<td>+1.32%</td>
<td>+1.22%</td>
<td>+8.81%</td>
<td>-3.94%</td>
<td>65%</td>
</tr>
<tr>
<td><strong>Global Payments Inc</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GPN#NYSE">GPN</a>)</td>
<td>+1.32%</td>
<td>+0.95%</td>
<td>+8.14%</td>
<td>-1.51%</td>
<td>75%</td>
</tr>
<tr>
<td><strong>Walt Disney Co.</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIS#NYSE">DIS</a>)</td>
<td>+1.28%</td>
<td>+0.52%</td>
<td>+9.27%</td>
<td>-2.89%</td>
<td>60%</td>
</tr>
<tr>
<td><strong>Goldman Sachs Group, Inc</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>)</td>
<td>+1.27%</td>
<td>+0.39%</td>
<td>+10.40%</td>
<td>-1.41%</td>
<td>70%</td>
</tr>
<tr>
<td><strong>ON Semiconductor Corporation</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ON#NASDAQ">ON</a>)</td>
<td>+1.25%</td>
<td>+1.13%</td>
<td>+9.63%</td>
<td>-4.70%</td>
<td>60%</td>
</tr>
<tr>
<td><strong>Ralph Lauren Corp.</strong> (NYSE RL)</td>
<td>+1.19%</td>
<td>+0.51%</td>
<td>+8.21%</td>
<td>-2.36%</td>
<td>65%</td>
</tr>
</tbody>
</table>
<p><figcaption class="wp-element-caption"><em>Data: Seasonax</em></figcaption></p></figure></p>
<p><strong>Read Next: </strong></p>
<ul>
<li><strong><a href="https://www.benzinga.com/economics/macro-economic-events/24/12/42671903/investors-aggressively-bought-stocks-etfs-despite-fed-volatile-week-bank-of-america-reveals-largest-inflows-since-2017">Investors Aggressively Bought Stocks, ETFs In Volatile Fed Week: Bank Of America Reveals Largest Inflows Since 2017</a></strong></li>
</ul>
<p><em>Photo: Shutterstock</em></p>


Santa Claus Rally: 10 S&P 500 Stocks That Consistently Outperform During Year-End Optimism

<p>In the last three months, 8 analysts have published ratings on Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>), offering a diverse range of perspectives from bullish to bearish.</p>
<p>The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<p>Insights from analysts' 12-month price targets are revealed, presenting an average target of $230.88, a high estimate of $251.00, and a low estimate of $212.00. Surpassing the previous average price target of $216.14, the current average has increased by 6.82%.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1733403637_0.png" alt="price target chart" /></p>
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
<p>The perception of Assurant by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Bob Huang</td>
<td>Morgan Stanley</td>
<td>Announces</td>
<td>Equal-Weight</td>
<td>$251.00</td>
<td>-</td>
</tr>
<tr>
<td>Tommy McJoynt</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$212.00</td>
<td>$194.00</td>
</tr>
<tr>
<td>John Nadel</td>
<td>UBS</td>
<td>Raises</td>
<td>Buy</td>
<td>$240.00</td>
<td>$230.00</td>
</tr>
<tr>
<td>Mark Hughes</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$240.00</td>
<td>$220.00</td>
</tr>
<tr>
<td>Grace Carter</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$233.00</td>
<td>$228.00</td>
</tr>
<tr>
<td>John Nadel</td>
<td>UBS</td>
<td>Raises</td>
<td>Buy</td>
<td>$230.00</td>
<td>$224.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Neutral</td>
<td>$217.00</td>
<td>$200.00</td>
</tr>
<tr>
<td>John Nadel</td>
<td>UBS</td>
<td>Raises</td>
<td>Buy</td>
<td>$224.00</td>
<td>$217.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Assurant. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li><strong>Rating:</strong> Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Assurant compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts navigate through adjustments in price targets, providing estimates for Assurant's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
<p>Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Assurant's market standing. Stay informed and make data-driven decisions with our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/AIZ/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Assurant analyst ratings.</strong></a></p>
<h2>Delving into Assurant's Background</h2>
<p>Assurant Inc offers a range of property-casualty, health, employee benefit, and warranty insurance to a client base made up of individuals and institutions. Its segments are Global Housing, Global lifestyle, Corporate and Other. Global Housing provides lender-placed homeowners insurance, lender-placed manufactured housing insurance and lender-placed flood insurance; renters insurance and related products; and voluntary manufactured housing insurance, voluntary homeowners insurance and other specialty products. Global Lifestyle, the key revenue-generating segment, provides mobile device solutions and extended service products and related services for mobile devices, consumer electronics and appliances; vehicle protection; and credit protection and other insurance products.</p>
<h3>Key Indicators: Assurant's Financial Health</h3>
<p><strong>Market Capitalization Analysis:</strong> The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.</p>
<p><strong>Revenue Growth:</strong> Over the 3 months period, Assurant showcased positive performance, achieving a revenue growth rate of <strong>6.98%</strong> as of 30 September, 2024. This reflects a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.</p>
<p><strong>Net Margin:</strong> Assurant's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of <strong>4.51%,</strong> the company may encounter challenges in effective cost control.</p>
<p><strong>Return on Equity (ROE):</strong> Assurant's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of <strong>2.61%,</strong> the company may face hurdles in generating optimal returns for shareholders.</p>
<p><strong>Return on Assets (ROA):</strong> The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of <strong>0.39%,</strong> the company may need to address challenges in generating satisfactory returns from its assets.</p>
<p><strong>Debt Management:</strong> Assurant's debt-to-equity ratio surpasses industry norms, standing at <strong>0.4</strong>. This suggests the company carries a substantial amount of debt, posing potential financial challenges.</p>
<h2>Understanding the Relevance of Analyst Ratings</h2>
<p>Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. </p>
<p>Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.</p>
<p><strong>Breaking: Wall Street's Next Big Mover</strong></p>
<p>Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. <a href="https://www.benzinga.com/premium/ideas/turning-point-trader-checkout-2/?t=Tu1tu3arja3be22tu36&amp;utm_source=benzinga-insights"><strong>Click here for urgent details</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Analyst Ratings

Analyst Scoreboard: 8 Ratings For Assurant

<p>Morgan Stanley  analyst Bob Huang   initiates coverage on Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) with a Equal-Weight rating and announces Price Target of $251.</p>


News

Price Target

Initiation

Morgan Stanley Initiates Coverage On Assurant with Equal-Weight Rating, Announces Price Target of $251

Dividends

Assurant Increases Quarterly Dividend From $0.72 To $0.80 Per Share

<p>Keefe, Bruyette &amp; Woods  analyst Tommy McJoynt   maintains Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) with a Market Perform and raises the price target from $194 to $212.</p>


Keefe, Bruyette & Woods Maintains Market Perform on Assurant, Raises Price Target to $212

<p>Truist Securities  analyst Mark Hughes   maintains Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) with a Buy and raises the price target from $220 to $240.</p>


Truist Securities Maintains Buy on Assurant, Raises Price Target to $240

<p><strong>2024 Outlook</strong></p>
<p>The company now expects:</p>
<ul>
<li>Adjusted EBITDA, excluding reportable catastrophes6, to increase low double-digits, led by strong growth in Global Housing, with modest growth in Global Lifestyle.</li>
<li>Adjusted earnings, excluding reportable catastrophes, per diluted share6, to increase mid- to high-teens.<br /><br /><br /><br />Note: The metrics included within the company's outlook are non-GAAP financial measures and the company believes that it cannot, without unreasonable efforts, forecast certain information needed to reconcile to the GAAP measures, the probable significance of which cannot be determined. More information can be found in the Non-GAAP Financial Measures section.</li>
</ul>


Guidance

Assurant Sees FY24 Adjusted EBITDA, Excluding Reportable Catastrophes, To Increase Low Double-Digits, Led By Strong Growth In Global Housing, With Modest Growth In Global Lifestyle; Adjusted Earnings, Excluding Reportable Catastrophes, Per Diluted Share, To Increase Mid- To High-Teens

<p>Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) reported quarterly earnings of $3.00 per share which beat the analyst consensus estimate of $2.52 by 19.05 percent. This is a 30.07 percent decrease over earnings of $4.29 per share from the same period last year.  The company reported quarterly sales of $2.97 billion which beat the analyst consensus estimate of $2.94 billion by 0.94 percent.  This is a 6.98 percent increase over sales of $2.77 billion the same period last year.</p>


Earnings

Earnings Beats

Assurant Q3 Adj $3.00 Beats $2.52 Estimate, Sales $2.97B Beat $2.94B Estimate

<p>6 analysts have shared their evaluations of Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) during the recent three months, expressing a mix of bullish and bearish perspectives.</p>
<p>The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $214.17, along with a high estimate of $233.00 and a low estimate of $194.00. Surpassing the previous average price target of $206.83, the current average has increased by 3.55%.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1728594098_0.png" alt="price target chart" /></p>
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
<p>The standing of Assurant among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Grace Carter</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$233.00</td>
<td>$228.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Neutral</td>
<td>$217.00</td>
<td>$200.00</td>
</tr>
<tr>
<td>John Nadel</td>
<td>UBS</td>
<td>Raises</td>
<td>Buy</td>
<td>$224.00</td>
<td>$217.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Maintains</td>
<td>Neutral</td>
<td>$200.00</td>
<td>$200.00</td>
</tr>
<tr>
<td>Tommy McJoynt</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$194.00</td>
<td>$186.00</td>
</tr>
<tr>
<td>John Nadel</td>
<td>UBS</td>
<td>Raises</td>
<td>Buy</td>
<td>$217.00</td>
<td>$210.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Assurant. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Assurant compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts predict movements in price targets, offering estimates for Assurant's future value. Examining the current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
<p>To gain a panoramic view of Assurant's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/AIZ/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Assurant analyst ratings.</strong></a></p>
<h2>All You Need to Know About Assurant</h2>
<p>Assurant Inc offers a range of property-casualty, health, employee benefit, and warranty insurance to a client base made up of individuals and institutions. Its segments are Global Housing, Global lifestyle, Corporate and Other. Global Housing provides lender-placed homeowners insurance, lender-placed manufactured housing insurance and lender-placed flood insurance; renters insurance and related products; and voluntary manufactured housing insurance, voluntary homeowners insurance and other specialty products. Global Lifestyle, the key revenue-generating segment, provides mobile device solutions and extended service products and related services for mobile devices, consumer electronics and appliances; vehicle protection; and credit protection and other insurance products.</p>
<h3>Assurant: Financial Performance Dissected</h3>
<p><strong>Market Capitalization Analysis:</strong> The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.</p>
<p><strong>Revenue Growth:</strong> Assurant's remarkable performance in 3 months is evident. As of 30 June, 2024, the company achieved an impressive revenue growth rate of <strong>7.08%</strong>. This signifies a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.</p>
<p><strong>Net Margin:</strong> Assurant's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of <strong>6.45%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Assurant's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of <strong>3.8%,</strong> the company showcases efficient use of equity capital and strong financial health.</p>
<p><strong>Return on Assets (ROA):</strong> Assurant's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of <strong>0.56%,</strong> the company may face hurdles in achieving optimal financial performance.</p>
<p><strong>Debt Management:</strong> The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of <strong>0.42</strong>, caution is advised due to increased financial risk.</p>
<h2>Analyst Ratings: What Are They?</h2>
<p>Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.</p>
<p>Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.</p>
<p><strong>Which Stocks Are Analysts Recommending Now?</strong></p>
<p>Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights"><strong>Click here to stay ahead of the market</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


6 Analysts Have This To Say About Assurant

<p>B of A Securities  analyst Grace Carter   maintains Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) with a Buy and raises the price target from $228 to $233.</p>


B of A Securities Maintains Buy on Assurant, Raises Price Target to $233

WIIM

ACGL

ACIC

CINF

ERIE

FIHL

HRTG

KNSL

PLMR

SPNT

Shares of insurance companies are trading lower while Floridians experience evacuation orders as Category 5 Hurricane Milton approaches the state. The region is still recovering from damage due to Hurricane Helene.

<p>Piper Sandler  analyst John Barnidge   maintains Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) with a Neutral and raises the price target from $200 to $217.</p>


Piper Sandler Maintains Neutral on Assurant, Raises Price Target to $217

<p>Better pricing, prudent underwriting, increased exposure and faster economic recovery should help Multiline insurers to grow. The industry has returned 17.7% year to date compared with the Finance sector&#39;s growth of 15.3%. The Zacks S&amp;P 500 composite has witnessed an increase of 19.6% in the said time frame. Product diversification helps insurance industry players lower concentration risk and improve retention ratio.</p>
<h2>YTD Performance</h2>
<p><img alt="Zacks Investment Research" src="https://staticx-tuner.zacks.com/images/articles/charts/4a/78960.jpg?v=1188445588" /><br />
Image Source: Zacks Investment Research</p>
<p>Accelerated digitalization will help the industry function smoothly. An improving rate environment should drive investment income higher as insurers are beneficiaries of a better rate environment.</p>
<p>Here we focus on two multiline insurers, namely <strong>Assurant, Inc. </strong>(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/aiz#NYSE">AIZ</a>) and <strong>Old Republic International Corporation</strong> (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ori#NYSE">ORI</a>).</p>
<p>Assurant, with a market capitalization of $10.26 billion, provides business services that support, protect and connect consumer purchases in North America, Latin America, Europe and the Asia Pacific. Old Republic International, with a market capitalization of $9.21 billion, through its subsidiaries, engages in the insurance underwriting and related services business primarily in the United States and Canada. AIZ and ORI carry a Zacks Rank #2 (Buy) each at present.</p>
<p>Multiline insurers benefit from a diversified portfolio that lowers concentration risk. While higher demand for protection products benefits sales and premiums of life insurance operations, better pricing and increased exposure to intangibles and cyber threats support premium growth of non-life insurance operations.</p>
<p>Also, per Deloitte Insights, the transition to green energy and related insurance products, as well as exposure to intangible assets, offers growth opportunities. Per a report in Carrier Management, AM Best expects profitable commercial lines and improving personal lines in 2024. Swiss Re estimates high single-digit premium growth in 2024.</p>
<p>Insurers are direct beneficiaries of a rising rate environment. They invest a portion of their premiums. Long-tail insurers tend to gain more from rising rates as they have more time to invest their premiums and earn a higher rate of return. With a lower rate of return, investment income will suffer. In the FOMC meeting, the Federal Reserve announced cutting the interest rate by 50 basis points. This is the first time in four years that the central bank has taken such an action. The interest rate is now 4.75-5%, down from a more than two-decade high of 5.25-5.5%.</p>
<p>Multiline insurers are investing heavily in technology to improve scale and efficiencies. This should help them generate higher margins and improve profitability.</p>
<p>These positives together help insurers build solid policyholders&#39; surplus that helps the industry absorb losses. The solid capital level of the multiline insurers will fuel merger and acquisition activities to ramp up growth and aid these insurers to engage in shareholder-friendly moves.</p>
<p>Let&#39;s delve deeper into specific parameters to ascertain which multi-line insurer is better-positioned at the moment.</p>
<h2>Price Performance&nbsp;&nbsp;&nbsp;</h2>
<p>Shares of Old Republic have climbed 21.3% year to date, outperforming the industry&#39;s growth of 17.8% and Assurant&#39;s rise of 17.6%.</p>
<p><img alt="Zacks Investment Research" src="https://staticx-tuner.zacks.com/images/articles/charts/d6/78959.jpg?v=326935590" /></p>
<p>Image Source: Zacks Investment Research</p>
<h2>Return on Equity (ROE)&nbsp;&nbsp;&nbsp;</h2>
<p>Assurant, with a ROE of 19.6%, exceeds Old Republic&#39;s ROE of 12.5% and the industry average of 16%.</p>
<p><img alt="Zacks Investment Research" src="https://staticx-tuner.zacks.com/images/articles/charts/e8/78961.jpg?v=1855237749" /></p>
<p>Image Source: Zacks Investment Research</p>
<h2>Debt-to-Capital&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</h2>
<p>Old Republic&#39;s debt-to-capital ratio of 24.8 is lower than the industry average of 31.8 and Assurant&#39;s reading of 29.3. Therefore, ORI has an advantage over AIZ on this front.</p>
<p><img alt="Zacks Investment Research" src="https://staticx-tuner.zacks.com/images/articles/charts/6f/78962.jpg?v=2084482599" /></p>
<p>Image Source: Zacks Investment Research</p>
<h2>Earnings Surprise History&nbsp;&nbsp;&nbsp;&nbsp;</h2>
<p>AIZ outpaced expectations in each of the last seven reported quarters. ORI surpassed estimates in six of the last seven reported quarters.</p>
<h2>Dividend Yield&nbsp;&nbsp;&nbsp;</h2>
<p>Old Republic&#39;s dividend yield of 2.97% is better than Assurant&#39;s dividend yield of 1.45%. Thus, ORI has an advantage over AIZ on this front.</p>
<p><img alt="Zacks Investment Research" src="https://staticx-tuner.zacks.com/images/articles/charts/83/78963.jpg?v=19303610" /></p>
<p>Image Source: Zacks Investment Research</p>
<h2>Valuation&nbsp;&nbsp;&nbsp;&nbsp;</h2>
<p>The price-to-book value is the best multiple used for valuing insurers. Compared with Assurant&#39;s P/B ratio of 2.06, Old Republic is cheaper, with a reading of 1.53. The multi-line insurance industry&#39;s P/B ratio is 2.70.</p>
<p><img alt="Zacks Investment Research" src="https://staticx-tuner.zacks.com/images/articles/charts/3b/78965.jpg?v=499426243" /></p>
<p>Image Source: Zacks Investment Research</p>
<h2>Growth Projection&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</h2>
<p>The Zacks Consensus Estimate for 2024 earnings indicates 7.6% growth from the year-ago reported figure for Old Republic, while the same for Assurant implies an increase of 6.7%.</p>
<h2>Earnings Estimates&nbsp;&nbsp;&nbsp;&nbsp;</h2>
<p>For 2024, the Zacks Consensus Estimate for AIZ has moved 2.9% north to $16.54 in the past 60 days, while the same for ORI has been revised 4.4% north to $2.83. Therefore, AIZ is in an advantageous position over ORI on this front.</p>
<h2>Net Margin&nbsp;&nbsp;</h2>
<p>Old Republic&#39;s net margin for the trailing 12 months was 8.59%, higher than Assurant&#39;s reading of 6.9%.</p>
<h2>To Conclude</h2>
<p>Our comparative analysis shows that Old Republic is better positioned than Assurant with respect to price, valuation, growth projection, dividend yield, leverage and net margin. AIZ outpaces ORI in terms of return on equity, earnings estimates and earnings surprise history. With the scale majorly tilted toward Old Republic, the stock appears to be better poised.</p>
<p><a href="https://www.zacks.com/stock/news/2340682/assurant-or-old-republic-which-multiline-insurer-has-an-edge?cid=CS-BENZ-FT-analyst_blog|comparison_of_stocks-2340682">To read this article on Zacks.com click here.</a></p>


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Markets

Trading Ideas

Insurance

Assurant or Old Republic: Which Multiline Insurer Has an Edge?

<p>Ratings for Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) were provided by 6 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.</p>
<p>The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $210.33, a high estimate of $224.00, and a low estimate of $194.00. Marking an increase of 1.69%, the current average surpasses the previous average price target of $206.83. </p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1727121641_0.png" alt="price target chart" /></p>
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</h2>
<p>In examining recent analyst actions, we gain insights into how financial experts perceive Assurant. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>John Nadel</td>
<td>UBS</td>
<td>Raises</td>
<td>Buy</td>
<td>$224.00</td>
<td>$217.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Maintains</td>
<td>Neutral</td>
<td>$200.00</td>
<td>$200.00</td>
</tr>
<tr>
<td>Tommy McJoynt</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$194.00</td>
<td>$186.00</td>
</tr>
<tr>
<td>John Nadel</td>
<td>UBS</td>
<td>Raises</td>
<td>Buy</td>
<td>$217.00</td>
<td>$210.00</td>
</tr>
<tr>
<td>Grace Carter</td>
<td>B of A Securities</td>
<td>Lowers</td>
<td>Buy</td>
<td>$222.00</td>
<td>$223.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$205.00</td>
<td>$205.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Assurant. This offers insight into analysts' perspectives on the current state of the company.</li>
<li><strong>Rating:</strong> Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Assurant compared to the broader market.</li>
<li><strong>Price Targets:</strong> Gaining insights, analysts provide estimates for the future value of Assurant's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
<p>Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Assurant's market standing. Stay informed and make data-driven decisions with our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/AIZ/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Assurant analyst ratings.</strong></a></p>
<h2>Discovering Assurant: A Closer Look</h2>
<p>Assurant Inc offers a range of property-casualty, health, employee benefit, and warranty insurance to a client base made up of individuals and institutions. Its segments are Global Housing, Global lifestyle, Corporate and Other. Global Housing provides lender-placed homeowners insurance, lender-placed manufactured housing insurance and lender-placed flood insurance; renters insurance and related products; and voluntary manufactured housing insurance, voluntary homeowners insurance and other specialty products. Global Lifestyle, the key revenue-generating segment, provides mobile device solutions and extended service products and related services for mobile devices, consumer electronics and appliances; vehicle protection; and credit protection and other insurance products.</p>
<h3>Assurant's Financial Performance</h3>
<p><strong>Market Capitalization Perspectives:</strong> The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.</p>
<p><strong>Revenue Growth:</strong> Assurant's revenue growth over a period of 3 months has been noteworthy. As of 30 June, 2024, the company achieved a revenue growth rate of approximately <strong>7.08%</strong>. This indicates a substantial increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.</p>
<p><strong>Net Margin:</strong> Assurant's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of <strong>6.45%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Assurant's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive <strong>3.8%</strong> ROE, the company effectively utilizes shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Assurant's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of <strong>0.56%,</strong> the company may face hurdles in generating optimal returns from its assets.</p>
<p><strong>Debt Management:</strong> Assurant's debt-to-equity ratio is notably higher than the industry average. With a ratio of <b>0.42</b>, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.</p>
<h2>Analyst Ratings: Simplified</h2>
<p>Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.</p>
<p>Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.</p>
<p><strong>Breaking: Wall Street's Next Big Mover</strong></p>
<p>Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. <a href="https://www.benzinga.com/premium/ideas/turning-point-trader-checkout-2/?t=Tu1tu3arja3be22tu36&amp;utm_source=benzinga-insights"><strong>Click here for urgent details</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Evaluating Assurant: Insights From 6 Financial Analysts

<p>UBS  analyst John Nadel   maintains Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) with a Buy and raises the price target from $217 to $224.</p>


UBS Maintains Buy on Assurant, Raises Price Target to $224

<p><i>Greystar Residents Will Have Access to Assurant's Industry First Tech Support Amenity Offering</i></p>
<p><a href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.assurant.com%2F&amp;esheet=54113030&amp;newsitemid=20240826404930&amp;lan=en-US&amp;anchor=Assurant%2C+Inc.&amp;index=1&amp;md5=741b3864a5521b9ad3f7721640b16251">Assurant, Inc.</a> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>), a leading global business services company that supports, protects, and connects major consumer purchases, today announced Greystar, a global leader in the investment, development and management of real estate, will roll out the <a href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.assurant.com%2Fnewsroom-detail%2F2024%2FMay%2Ftechpro-industry-first-tech-support-solution&amp;esheet=54113030&amp;newsitemid=20240826404930&amp;lan=en-US&amp;anchor=recently+launched%2C+Assurant%26%23174%3B+TechPro&amp;index=2&amp;md5=188d4a58e91b8b4fddbd88fac2bc8f4c">recently launched, Assurant&#xAE; TechPro</a> to select properties across the United States. Assurant&#xAE; TechPro is a unique and innovative amenity that provides residents with dedicated technical assistance for their connected devices and is the first tech support solution specifically designed for the multifamily housing industry.</p>


Greystar Adds Assurant TechPro To Provide Residents With Dedicated Technical Assistance For Their Connected Devices

<p>Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page.</a></p>
<ul>
<li>Keybanc analyst Jackson Ader downgraded the rating for <strong>Sprout Social, Inc</strong>. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SPT#NASDAQ">SPT</a>) from Sector Weight to Underweight and announced a price target of $28. Sprout Social shares fell 0.2% to close at $33.92 on Wednesday. <a href="https://www.benzinga.com/quote/SPT/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Telsey Advisory Group analyst Dana Telsey downgraded <strong>Urban Outfitters, Inc</strong>. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/URBN#NASDAQ">URBN</a>) from Outperform to Market Perform and slashed the price target from $49 to $44. Urban Outfitters shares gained 3.1% to close at $41.48 on Wednesday. <a href="https://www.benzinga.com/quote/URBN/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Citigroup analyst Paul Lejuez downgraded the rating for <strong>The TJX Companies, Inc</strong>. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TJX#NYSE">TJX</a>) from Buy to Neutral and raised the price target from $110 to $128. TJX shares gained 6.1% to close at $120.23 on Wednesday. <a href="https://www.benzinga.com/quote/TJX/analyst-ratings">See how other analysts view this stock.</a></li>
<li>BMO Capital analyst Michael Zaremski downgraded <strong>Goosehead Insurance, Inc</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GSHD#NASDAQ">GSHD</a>) from Outperform to Market Perform and maintained the price target of $90. Goosehead Insurance shares gained 0.4% to settle at $82.66 on Wednesday. <a href="https://www.benzinga.com/quote/GSHD/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Piper Sandler analyst John Barnidge downgraded the rating for <strong>Assurant, Inc</strong>. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) from Overweight to Neutral and maintained the price target of $200. Assurant shares gained 0.02% to close at $189.83 on Wednesday. See how other analysts view this stock. <a href="https://www.benzinga.com/quote/AIZ/analyst-ratings">See how other analysts view this stock.</a></li>
</ul>
<p>Considering buying CSCO stock? Here&#8217;s what analysts think: </p>
<p><figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="518" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/08/22092947/image-196-1024x518.png" alt="" class="wp-image-508730" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/08/22092947/image-196-1024x518.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/08/22092947/image-196-300x152.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/08/22092947/image-196-768x388.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/08/22092947/image-196.png 1325w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure></p>
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Downgrades

GSHD

URBN

This Urban Outfitters Analyst Is No Longer Bullish; Here Are Top 5 Downgrades For Thursday

<p>Piper Sandler  analyst John Barnidge   downgrades Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>) from Overweight to Neutral and maintains the price target from $200 to $200.</p>


Piper Sandler Downgrades Assurant to Neutral, Maintains Price Target to $200

<p>During the last three months, 4 analysts shared their evaluations of Assurant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIZ#NYSE">AIZ</a>), revealing diverse outlooks from bullish to bearish.</p>
<p>The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Insights from analysts' 12-month price targets are revealed, presenting an average target of $209.5, a high estimate of $222.00, and a low estimate of $194.00. Witnessing a positive shift, the current average has risen by 1.7% from the previous average price target of $206.00.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1723640483_0.png" alt="price target chart" /></p>
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</h2>
<p>A comprehensive examination of how financial experts perceive Assurant is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Thomas McJoynt-Griffith</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$194.00</td>
<td>$186.00</td>
</tr>
<tr>
<td>John Nadel</td>
<td>UBS</td>
<td>Raises</td>
<td>Buy</td>
<td>$217.00</td>
<td>$210.00</td>
</tr>
<tr>
<td>Grace Carter</td>
<td>B of A Securities</td>
<td>Lowers</td>
<td>Buy</td>
<td>$222.00</td>
<td>$223.00</td>
</tr>
<tr>
<td>John Barnidge</td>
<td>Piper Sandler</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$205.00</td>
<td>$205.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Assurant. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li><strong>Rating:</strong> Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Assurant compared to the broader market.</li>
<li><strong>Price Targets:</strong> Gaining insights, analysts provide estimates for the future value of Assurant's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
<p>For valuable insights into Assurant's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/AIZ/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Assurant analyst ratings.</strong></a></p>
<h2>Delving into Assurant's Background</h2>
<p>Assurant Inc offers a range of property-casualty, health, employee benefit, and warranty insurance to a client base made up of individuals and institutions. Its segments are Global Housing, Global lifestyle, Corporate and Other. Global Housing provides lender-placed homeowners insurance, lender-placed manufactured housing insurance and lender-placed flood insurance; renters insurance and related products; and voluntary manufactured housing insurance, voluntary homeowners insurance and other specialty products. Global Lifestyle, the key revenue-generating segment, provides mobile device solutions and extended service products and related services for mobile devices, consumer electronics and appliances; vehicle protection; and credit protection and other insurance products.</p>
<h3>Assurant: Delving into Financials</h3>
<p><strong>Market Capitalization:</strong> Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.</p>
<p><strong>Revenue Growth:</strong> Assurant displayed positive results in 3 months. As of 30 June, 2024, the company achieved a solid revenue growth rate of approximately <strong>7.08%</strong>. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.</p>
<p><strong>Net Margin:</strong> The company's net margin is below industry benchmarks, signaling potential difficulties in achieving strong profitability. With a net margin of <strong>6.45%,</strong> the company may need to address challenges in effective cost control.</p>
<p><strong>Return on Equity (ROE):</strong> Assurant's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive <strong>3.8%</strong> ROE, the company effectively utilizes shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Assurant's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of <strong>0.56%,</strong> the company may face hurdles in achieving optimal financial performance.</p>
<p><strong>Debt Management:</strong> Assurant's debt-to-equity ratio stands notably higher than the industry average, reaching <strong>0.42</strong>. This indicates a heavier reliance on borrowed funds, raising concerns about financial leverage.</p>
<h2>The Significance of Analyst Ratings Explained</h2>
<p>Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. </p>
<p>Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


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