Profitability
Weight: 25%
A+
100
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 27.9%
- Loss Ratio Trend -2.36 pp/yr
AIZ
Assurant, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A-
86
- 5yr Avg ROE 14.9%
- 5yr Share-Count CAGR -4.5%
Growth Quality
Weight: 10%
B+
79
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 4.7%
- Loss Ratio Trend (growth quality check) -2.36 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
A-
86
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 1.4%
- Loss Ratio Stability (σ) 0.08
Balance Sheet
Weight: 25%
A
92
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.79x
- Interest Coverage (EBIT/Int) 10.91x
Stability
Weight: 10%
C+
61
- EPS Volatility (σ/μ) 0.52
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 3 added; 1 full exit.
- Holders
- 3
- Avg Δ position
- +179.6%
- New buys
- 0
- Full exits
- 1