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 $644.91 per share. The share price was $265.00 on September 25, 2026, 59% 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% | $410.10 | +55% |
| Base | 6.0% | 9.0% | $644.91 | +143% |
| Bull | 11.0% | 8.0% | $1,083.28 | +309% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $813.98 | $865.59 | $928.66 | $1,007.49 | $1,108.86 |
| 8.0% | $687.83 | $721.29 | $760.84 | $808.30 | $866.30 |
| 9.0% | $595.63 | $618.51 | $644.91 | $675.71 | $712.12 |
| 10.0% | $525.40 | $541.67 | $560.11 | $581.18 | $605.50 |
| 11.0% | $470.16 | $482.09 | $495.42 | $510.42 | $527.42 |
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