What is Assurant, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on Assurant, Inc.'s reported free cash flow gives $646.46 per share. The share price was $317.21 on November 9, 2026, 51% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 1.0% | 10.0% | $411.65 | +30% |
| Base | 6.0% | 9.0% | $646.46 | +104% |
| Bull | 11.0% | 8.0% | $1,084.83 | +242% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $815.53 | $867.14 | $930.21 | $1,009.04 | $1,110.41 |
| 8.0% | $689.38 | $722.84 | $762.39 | $809.85 | $867.85 |
| 9.0% | $597.18 | $620.06 | $646.46 | $677.26 | $713.66 |
| 10.0% | $526.94 | $543.21 | $561.66 | $582.73 | $607.05 |
| 11.0% | $471.71 | $483.64 | $496.97 | $511.97 | $528.97 |
Where the presets come from
Base: years 1 to 5 grow at Assurant, Inc.'s revenue growth rate over the last 5 fiscal years (6.0% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions