Assurant, Inc. — Earnings Quality Grade C
AIZ · Financial Services
Some red flags
Screening Summary
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 239 days, change -55 days YoY
AR growth -12.1% vs revenue growth 7.9%
Revenue 7.9%, CFFO 37.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 6.4% vs revenue 7.9%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 2.10. Profits backed by cash
FCF $1.6B, FCF/NI = 1.83
Accruals ratio = -2.6%. Low accruals
Cash $4.6B covers debt $2.2B
Balance Sheet Health
Goodwill+Intangibles $3.2B = 54% of equity. Over 50%
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Assurant, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09