AIZ
ASSURANT, INC.Evidence as of 2026-09-02Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.7 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The evidence balance is Constructive (+0.7 of a possible +2; was +0.7 before debate) · confidence high. Revenues rose from $ 3,074,000,000 in the quarter ended 31 March 2025 (fiscal Q1 2025) to $ 3,454,200,000 in the quarter ended 30 June 2026 (fiscal Q2 2026). Single‑quarter net income increased from $ 146,600,000 in fiscal Q1 2025 to $ 299,835,000 in fiscal Q2 2026, and diluted EPS moved from $ 2.83 to $ 5.95 over the same pair of quarters.
Shares outstanding show a decline: weighted average diluted shares fell from 51,572,065 in the quarter ended 30 June 2025 (fiscal Q2 2025) to 49,831,416 in fiscal Q2 2026, and reported point‑in‑time shares moved from 50,702,324 as of 2 May 2025 to 49,323,767 as of 31 July 2026. Trailing twelve‑month free cash flow is $ 774,500,000 and FCF per share is $ 15.5424 using 49,323,767 shares outstanding; trailing twelve‑month EPS is $ 21.09. The packet also documents a declared dividend of $ 0.88 per share (ex‑dividend 2026‑08‑31, paid 2026‑09‑28) and several institutional buys reported in the second quarter.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenues increased from $3,074,000,000 in the quarter ended 31 March 2025 (fiscal Q1 2025) to $3,454,200,000 in the quarter ended 30 June 2026 (fiscal Q2 2026).
XBRL companyfacts · 0001267238-26-000041Net income (single-quarter) rose from $146,600,000 in the quarter ended 31 March 2025 (fiscal Q1 2025) to $299,835,000 in the quarter ended 30 June 2026 (fiscal Q2 2026).
XBRL companyfacts · 0001267238-26-000041Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Nothing in this slice of the evidence rose to a claim — a quiet read, which itself is information.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
No computed signal history for this symbol yet — signals need roughly 70 trading days of price history.
Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
As of 2026-09-02T13:45:47.228469+00:00, AIZ is a constituent of the ETF with symbol IVV at a weight of 0.02% of that fund.
ETF constituents · market dataweakened in debateThe reported 0.02% weight indicates AIZ represents a small exposure within IVV (on the order of single basis points of the fund).
ETF constituents · market dataweakened in debateReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Assurant announced a total dividend of $0.88 per share with an ex-dividend date of 2026-08-31 and a cash dividend payable on 2026-09-28.
News · finance.yahoo.com · 2026-08-31Multiple institutional filings reported new positions in Assurant during the second quarter, including The Manufacturers Life Insurance Company acquiring 35,853 shares.
News · thelincolnianonline.com · 2026-08-30Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
Trailing twelve-month free cash flow is $774,500,000.
Valuation inputs · SEC XBRL + stored EOD closeTrailing twelve-month free cash flow per share is $15.5424 (shares used: 49,323,767 outstanding; diluted wavg 49,831,416).
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
The provided evidence shows multiple company-level signs of operational and shareholder-value improvement: sequentially higher revenue, materially higher single-quarter net income and diluted EPS, declining share count (both weighted average and reported) and an increase in total stockholders’ equity. Trailing twelve‑month free cash flow and FCF per share are strong absolute figures and cash exceeds the rough net-debt estimate using the cited line items; institutional filings and a declared dividend add further supportive context. The bear case hinges on a timing mismatch in one debt line and on market-position signals (ETF weight, technical coverage) that do not negate the company-specific fundamental improvements shown in the filings and reporting. Overall, the claims jointly support a favorable read on recent fundamental and cash‑generation metrics, while the weakest counterpoints are limited by thin or non-contemporaneous sourcing.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.38
20 surviving claims rest on 9 distinct sources; the heaviest analyst carries 30% of them, and 92% of what the desk raised survived the debate.
The read is moderately well supported across nine distinct sources, which gives it some breadth, but a single analyst accounting for 30% of surviving claims indicates notable analyst concentration. The high debate-survival rate (92%) means these claims survived internal scrutiny, but that same persistence can reflect group alignment rather than independent corroboration — treat the synthesis as informative but not robust to single-source failure.
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
14 filings· 1 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+1.3 to the score
1 holdings record
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.0 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on AIZ Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.