Discounted Cash Flow
Assurant, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $7.5b | $565.4m | $49.3m | 7.5% | $9.23 |
| 2017 | $6.4b (-14.8%) | $519.6m (-8.1%) | $468.3m (850.0%) | 8.1% (7.9%) | $9.45 (2.4%) |
| 2018 | $8.1b (25.6%) | $251.0m (-51.7%) | $573.9m (22.5%) | 3.1% (-61.5%) | $4.00 (-57.7%) |
| 2019 | $10.1b (25.2%) | $382.6m (52.4%) | $1.3b (127.1%) | 3.8% (21.8%) | $5.87 (46.8%) |
| 2020 | $10.1b (0.1%) | $441.8m (15.5%) | $1.2b (-6.3%) | 4.4% (15.4%) | $7.04 (19.9%) |
| 2021 | $10.2b (0.9%) | $1.4b (210.6%) | $594.3m (-51.3%) | 13.5% (207.8%) | $23.13 (228.6%) |
| 2022 | $10.2b (0.1%) | $276.6m (-79.8%) | $410.6m (-30.9%) | 2.7% (-79.9%) | $5.09 (-78.0%) |
| 2023 | $11.1b (9.2%) | $642.5m (132.3%) | $935.6m (127.9%) | 5.8% (112.7%) | $12.02 (136.1%) |
| 2024 | $11.9b (6.7%) | $760.2m (18.3%) | $1.1b (18.8%) | 6.4% (10.9%) | $14.55 (21.0%) |
| 2025 | $12.8b (7.9%) | $872.7m (14.8%) | $1.6b (43.8%) | 6.8% (6.4%) | $17.14 (17.8%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.