Mulya.ai
Ticker
AIZ
Scenario
Key Inputs
Revenue est.?Analysttaper yr3
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?6.6%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.560
Beta (levered) ?0.651
Terminal OM% ?12.1%
Segment conc. ?77% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.72%
ROIC option ?Opt 4 · 23.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

AIZ · Assurant, Inc.

$218.262026-05-17
Sector: Financial Services; Industry: Insurance - Specialty; Sub-Industry: Multi-line Insurance

Intrinsic Value Range Comparison · Mulya.ai

Bull
$678
+210.7% vs market
Base · active
$551
+152.5% vs market
Bear
$533
+144.3% vs market
Mulya.ai vs Analyst IV Comparison?
Market $218
Median $255
Bear $533
Base $551
Bull $678
Market Price $218
Mulya.ai Base $551
Analysts Median $255
Mulya.ai IV range ($533 · $678)
Analysts Range ($246 · $264)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2021.Q4$10.2B7.6%21.7%$604MM$1.0B$1.6B4.8%0.0%−$1.8B$27.13
2022.Q4$10.2B0.1%3.4%20.9%$277MM−$287MM−$10MM6.4%0.0%−$1.6B$5.51
2023.Q4$11.1B9.2%7.2%20.4%$643MM$231MM$873MM6.3%83.5%$3.2B$12.80
2024.Q4$11.9B6.7%7.8%18.0%$760MM$106MM$867MM7.0%140.6%−$2.1B$15.14
2025.Q4$12.8B7.9%8.5%19.7%$873MM$358MM$1.2B6.8%120.2%$3.5B$17.3910.1
italics below = DCF projection · 10yr Rev CAGR: 4.9%
2026.Q4$13.6B+6.4%8.5%19.8%$930MM−$229MM$701MM6.8%$657MM25.6%$3.8B$18.5311.8
2027.Q4$14.4B+5.5%8.5%19.8%$981MM−$215MM$766MM7.0%$671MM25.4%$4.0B$19.5411.2
2028.Q4$15.1B+5.3%8.5%19.8%$1.0B−$224MM$809MM7.2%$660MM25.3%$4.2B$20.5710.6
2029.Q4$15.9B+5.1%8.5%19.9%$1.1B−$233MM$852MM7.4%$648MM25.2%$4.4B$21.6210.1
2030.Q4$16.7B+5.0%8.5%19.9%$1.1B−$242MM$897MM7.5%$634MM25.1%$4.7B$22.699.6
Term. Yr+$21.6B4.1%12.1%20.0%$2.1B−$363MM$1.7B8.6%$18.4B23.6%
Active scenario IV: $551 (+152.5% vs market)