Positive context积极背景
Stocks股票 / Financials / AIZ
Assurant · Financials
AIZ US listed · USD美股 · 美元
Assurant, Inc. is a global provider of risk management products and services with headquarters in Atlanta.Assurant公司是一家全球风险管理产品和服务提供商，总部位于亚特兰大。
Large cap大盘 · $13B
Financials
Financial金融股
$265.00
+$3.14 · +1.20%
52w low52周低 $203high高 $304
Hold off — timing against you暂缓 — 时机不利
Downtrend — stand aside until a new cycle low forms and confirms.下跌趋势——观望，直至新的周期低点形成并确认。
As of 2026-09-28截至 2026-09-28
Company intelligence公司情报
The latest call, in context把最新财报放回历史脉络
A synthesized event record across management commentary and recorded metrics. Read as context; verify exact wording in the transcript before relying.综合管理层表述与记录指标形成事件档案。仅供参考；使用前请在电话会原文中核对准确措辞。
Live company record实时公司记录
JavaScript loads the source-bounded event record here. Open Terminal if the live module does not start.JavaScript 会在此加载受来源约束的事件记录。如实时模块未启动，请打开终端。
Continue with full transcript history继续查看完整电话会历史 ↗Pressure context压力背景
History mode历史模式
Context only仅供参考 · not a signal or recommendation不构成信号或建议
Narrative claims may await line-level citation; verify in the transcript.叙述性内容可能仍待逐行引用，请在电话会原文中核对。
Price chart价格图表
daily · interactive日线 · 可交互
Open in Terminal打开终端 ↗
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Open the live chart in Terminal在终端中打开实时图表 ↗
Candles, volume and moving averages — pan and zoom inside the chart.蜡烛图、成交量与均线 — 图内可缩放拖动。
MMastermind Terminal — live & interactiveMastermind 终端 — 实时互动 ↗
Technicals技术面
daily bars日线数据 · 2026-09-28
Momentum (RSI 14)动量（RSI 14）
33
Depressed偏低
vs 50-day average相对50日均线
-5.7% below下方
Below trend跌破趋势
vs 200-day average相对200日均线
+6.6% above上方
Long trend up长期向上
Volatility波动率
38th percentile第38百分位
These readings feed the stance at the top — one source per number, refreshed nightly.以上读数构成页首的引擎立场 — 每个数字只有一个来源，每晚更新。
Earnings财务业绩
next report下次财报 2026-11-0336
Estimates being raised — 7 analysts预期上调 — 7 位分析师
Beat expectations 4 quarters in a row连续 4 季度超预期
EPS surprise vs consensus, last quarters每股收益相对预期的超预期幅度（近几个季度） · average平均 17.7%
Valuation估值
Roughly fair vs sector相对行业估值合理| Multiple指标 | AIZ | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 15.12x | 13.98 | |
| P/B市净率 | 2.25x | 1.43 | |
| P/S市销率 | 1.03x | 2.79 | |
| Earnings yield盈利收益率 | 6.61% | 7.08 | |
| Shareholder yield股东收益率 | 3.58% | 4.13 |
"Cheaper than" = share of sector peers trading richer on that multiple.「相对便宜」= 行业中该指标估值更高的同行占比。
Financials财务数据
fiscal years财年Revenue营业收入
$12.8B2025
20202025
5-yr growth5年复合增速 4.9%
Earnings per share每股收益
$16.932025
20202025
5-yr growth5年复合增速 19.4%
Free cash flow自由现金流
$1.6B2025
20202025
Net margin净利率
6.8%
FCF margin自由现金流利润率
14.3%
Balance-sheet quality财务体质 6/6
Return on equity股本回报率 15%
Clean稳健
Capital allocation资本配置
Buybacks (TTM)回购（TTM）$303.7M
Stock-based comp股权薪酬$85.7M
Share count change (1y)股数变化（1年）-2.0%
Debt coming due到期债务
SEC filingsSEC 文件Its filings are available, but they do not break debt down by the year it comes due — every bucket below is unreported.已获取该公司的 SEC 文件，但文件中未按到期年度拆分债务 —— 以下各区间均未披露。
Next 12 months未来12个月
not reported未披露
Year 2第2年
not reported未披露
Year 3第3年
not reported未披露
Year 4第4年
not reported未披露
Year 5第5年
not reported未披露
After year 55年以后
not reported未披露
Not every company reports a year-by-year schedule. Nothing is being estimated in its place.并非所有公司都会披露逐年到期安排；此处不作任何估算替代。
Cash reported at 2025-12-31: $1834100000.截至 2025-12-31 披露的现金：$1834100000。 Operating cash flow exceeded or equaled equipment spending over 2025-01-01 to 2025-12-31; no cash burn to measure.在 2025-01-01 至 2025-12-31 期间，经营现金流不低于设备支出，无可衡量的现金消耗。
Capital-need coverage is partial; incomplete or incompatible filing inputs are not combined.资本需求覆盖信息不完整；不会合并不完整或不兼容的报告数据。
Any available cash-flow scenario is context only. Missing or incompatible inputs are not replaced with zero or a financing forecast.可用现金流情景仅供参考；缺失或不兼容的输入不以零值或融资预测替代。
Sources and cash-flow calculation来源与现金流计算
Annual period年度区间 2025-01-01 — 2025-12-31 · USD · 10-K · 0001267238-26-000010 · Filed提交日期 2026-02-19.
Cache acquired缓存获取时间: 2026-09-20T09:36:45.218852+00:00 · Evaluated as of评估截至 2026-09-29.
- Reported operating cash flow已披露经营活动现金流: $1833900000
- Reported equipment spending (capex outflow)已披露设备支出（资本开支流出）: $235500000
- Derived free cash flow (operating cash flow minus capex)计算所得自由现金流（经营现金流减资本开支）: $1598400000
Cash is the reported balance at period end. The runway scenario holds this annual cash-flow pace constant and excludes debt payments, restricted-cash adjustments and future financing.现金为期末已披露余额。现金跑道情景假设本年度现金流速度保持不变，不包括债务偿还、受限现金调整与未来融资。
Research context only — reported figures from SEC filings, not a rating, a signal or investment advice.仅供研究参考 — 数据摘自 SEC 文件披露口径，不构成评级、信号或投资建议。
Why is it moving为何波动
6 checks · nightly六项检查 · 每晚
Sector / Theme行业/主题
Financials (Equal-Weight) theme — #46 of 49 themes「金融（等权）」主题 — 49 个主题中第 46 位
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
AIZ broke down vs the marketAIZ 相对市场走弱
Options positioning期权持仓
as of last close截至上一收盘Market makers are net long gamma — price pinned near current level做市商净持有正伽玛，价格倾向于在当前水平附近震荡
Expected daily move预期日波动
±1.47%
Expected weekly move预期周波动
±3.29%
25d risk reversal25d风险逆转
0.3%
Skew: balanced偏斜：balanced
Call and put walls are plotted on the Trade levels ladder →看涨/看跌期权墙已标注在「交易点位」阶梯上 →
Ownership & smart money持仓与聪明钱
13FInsider activity:内部人动向： -$9.8M net (0 buyers, 5 sellers)-$9.8M 净值（0 买家，5 卖家）
Signal history信号历史
engine events引擎事件
UNCONFIRMED TURN → DOWNTREND未确认转向 → 下跌趋势
AVOID. Failed cycle — price broke below the low that started this cycle, which historically means the larger trend is rolling over (~80% of cases)回避。失败周期——价格跌破了启动本周期的低点，历史上这通常意味着更大的趋势正在掉头向下（约 80% 的情形）
Sep 24, 2026
AIZ broke down vs the marketAIZ 相对市场走弱
Relative strength vs SPY crossed below the 10th percentile of the last 90 days — weakness often leads price. $261.86.相对标普500的强弱下穿近90日的第10百分位 — 走弱常先于价格。$261.86。
Sep 24, 2026
AIZ RSI reached oversoldAIZ RSI进入超卖
RSI(14) crossed below 30 — washed out; context, not a timing trigger alone. $261.86.RSI(14)下穿30 — 超卖；仅作背景，单独不构成择时。$261.86。
Sep 18, 2026
AIZ weekly MACD crossed downAIZ 周线MACD下穿
The weekly MACD histogram turned negative — the slower, less-whippy momentum read.周线MACD柱状图转负 — 更慢、更少来回的动量信号。
Sep 15, 2026
NEARING A HIGH → UNCONFIRMED TURN接近高点 → 未确认转向
HIGH-RISK · NIMBLE ONLY高风险 · 仅限灵活操作
Sep 15, 2026
AIZ took relative-strength leadershipAIZ 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $286.11.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$286.11。
Sep 14, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Sep 14, 2026
AIZ StochRSI turned up from oversoldAIZ StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $283.27.StochRSI重回20上方 — 下行动量趋缓的最早预警。$283.27。
Sep 10, 2026
NEARING A LOW → BOTTOMING接近低点 → 筑底中
BUY SETUP买入预备
Sep 8, 2026
UPTREND → NEARING A LOW上涨趋势 → 接近低点
GET READY准备
Sep 2, 2026
BOTTOMING → UPTREND筑底中 → 上涨趋势
HOLD持有
Showing the last 15 of显示最近15条，共 119 signals条信号
Company profile公司档案
Assurant, Inc. is a global provider of risk management products and services with headquarters in Atlanta.Assurant公司是一家全球风险管理产品和服务提供商，总部位于亚特兰大。
Style DNA — how it trades vs the market风格基因 — 相对市场的交易特征
Value价值
Below market低于市场
Quality质量
Below market低于市场
Investment资本投入
Below market低于市场
Shareholder payout股东回报
Below market低于市场
Low volatility低波动
Above market高于市场
Low market beta低市场敏感度
Above market高于市场
Earnings quality盈利质量
Below market低于市场
Short interest空头兴趣
Below market低于市场
The whole US universe — S&P 1500 and Russell 2000 — read nightly.覆盖标普1500与罗素2000全部成分股 — 每晚更新解读。
Signals, options positioning, smart-money moves and factor DNA — the same engine that wrote this page covers 2,700+ US stocks.信号、期权持仓、聪明钱动向与因子基因 — 撰写本页的引擎覆盖2700多只美股。
Statistics — full detail统计数据 — 完整明细
Valuation vs sector估值对比行业
| Multiple指标 | This stock本股 | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（静态） | 15.1× | 14.0× | 44% |
| Price / Book市净率 | 2.2× | 1.4× | 29% |
| Price / Sales市销率 | 1.0× | 2.8× | 83% |
| Earnings yield盈利收益率 | 6.6% | 7.1% | 46% |
| Free-cash-flow yield自由现金流收益率 | 13.9% | 8.7% | 79% |
| Shareholder yield股东综合回报率 | 3.6% | 4.1% | 43% |
Relative strength相对强度
vs market, 1 month相对大盘（1个月）
67/100 — middle of the pack居中
vs market, 3 months相对大盘（3个月）
59/100 — middle of the pack居中
vs market, 6 months相对大盘（6个月）
69/100 — middle of the pack居中
vs market, 12 months相对大盘（12个月）
63/100 — middle of the pack居中
Rank in sector行业内排名
#33 / 261
0–100 percentile of total return vs all covered stocks.总回报在全部覆盖股票中的百分位（0–100）。
Price history价格历史
| Period周期 | This stock本股 | S&P 500标普500 |
|---|---|---|
| 1 Week近1周 | -6.1% | +1.3% |
| 1 Month近1月 | -7.9% | +0.9% |
| 3 Months近3月 | +0.2% | +6.1% |
| 6 Months近6月 | +24.7% | +22.3% |
| Year to date年初至今 | +12.3% | +13.8% |
| 1 Year近1年 | +24.1% | +18.5% |
Trading information交易信息
Beta vs market贝塔
0.15
Volatility rank波动率分位
38th pctile
Short interest空头占比
2.6% of float
Market cap市值
$13B
EPS (trailing)每股收益
$17.53
Off 52-week high距52周高点
-11.9%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Financials — full detail财务数据 — 完整明细
Multi-year record多年财务记录
| 20202020 | 20212021 | 20222022 | 20232023 | 20242024 | 20252025 | |
|---|---|---|---|---|---|---|
| Revenue营业收入 | $10.1B | $10.2B | $10.2B | $11.1B | $11.9B | $12.8B |
| EPS每股收益 | $6.99 | $22.83 | $5.05 | $11.95 | $14.46 | $16.93 |
| Free cash flow自由现金流 | $1.2B | $594M | $411M | $936M | $1.1B | $1.6B |
| Gross margin毛利率 | — | — | — | — | — | — |
| Net margin净利率 | 4.4% | 13.5% | 2.7% | 5.8% | 6.4% | 6.8% |
| FCF margin自由现金流利润率 | 12.1% | 5.8% | 4.0% | 8.4% | 9.4% | 12.5% |
Latest fiscal year最近财年
Revenue (FY)营业收入（财年）
$12.8B
Net income净利润
$873M
Operating cash flow经营现金流
$1.8B
Total assets总资产
$36.3B
Shareholder equity股东权益
$5.9B
Dividends paid股息支出
$168M
Buybacks股票回购
$304M
Shares outstanding总股本
0.05B
Returns & growth回报与增长
Return on equity股本回报率
14.9%
Return on assets资产回报率
2.4%
Profit growth利润增速
+14.8%
Asset growth资产增速
+3.6%
Accounting quality checks会计质量检查
- Earnings quality: accruals near the peer median盈利质量：应计利润接近同业中位
- Capital discipline: investment near the peer median资本纪律：投资力度接近同业中位
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Technicals — full detail技术面 — 完整明细
Indicator readings指标读数
RSI (14-day)RSI（14日）
33
RSI (2-day)RSI（2日）
40
vs 20-day average相对20日均线
-5.2%
vs 50-day average相对50日均线
-5.7%
vs 200-day average相对200日均线
+6.6%
Golden cross (50>200)金叉（50>200）
in effect生效中
MACDMACD
below signal位于信号线下方
Timeframe alignment多周期共振
Daily日线
momentum down动能向下
3-day3日线
momentum down动能向下
Weekly周线
momentum down — fresh downturn动能向下——刚刚转弱
When daily through monthly point the same way, moves carry further.当日线到月线方向一致时，行情往往更有延续性。
Volatility regime波动状态
Range width percentile波幅宽度分位
70/100
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Earnings — full detail财务业绩 — 完整明细
Surprise history超预期历史
| Quarter季度 | Reported实际 | Expected预期 | Surprise超预期 |
|---|---|---|---|
| Jun 2026 | $6.41 | $5.16 | +24.2% |
| Mar 2026 | $5.95 | $5.40 | +10.2% |
| Dec 2025 | $5.61 | $5.55 | +1.1% |
| Sep 2025 | $5.73 | $4.23 | +35.5% |
Estimate revisions预期修正
Analysts covering覆盖分析师
7
Estimate direction预期调整方向
mostly raising多数上调
Estimate change, 90 days预期变化（90天）
+4.3%
Net upgrades, 30 days净上调（30天）
+7
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Options — full detail期权持仓 — 完整明细
Dealer positioning map做市商持仓地图
Call wall看涨期权墙
$290
Put wall看跌期权墙
$250
Upside magnet上方磁吸位
$270
Downside magnet下方磁吸位
$250
Net dealer gamma做市商净伽玛
+$0.0B
Walls and magnets are strikes with heavy open interest — price often slows or gravitates there.期权墙与磁吸位是未平仓集中的行权价 — 价格常在附近减速或被吸引。
Volatility pricing波动率定价
Implied volatility (30d)隐含波动率（30天）
0%
25-delta risk reversal25-delta风险逆转
+0.3%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Ownership — full detail持仓 — 完整明细
Insiders & shorts内部人与空头
Insider net buying (6 months)内部人净买入（6个月）
-$9.8M
Insider buyers vs sellers内部人买家vs卖家
0 : 5
Short interest空头占流通盘
2.6%
Days to cover回补天数
4.5
Short interest change空头变化
-5.4%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。