Free Trial
→ A grave, grave error. (From Porter & Company) (Ad) Buy AIZ Stock  Free AIZ Stock Alerts

Assurant (AIZ) Financials

Assurant logo
$196.65 +3.63 (+1.88%)
Closing price 05/23/2025 03:59 PM Eastern
Extended Trading
$193.03 -3.62 (-1.84%)
As of 05/23/2025 04:50 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for Assurant

Annual Income Statements for Assurant

This table shows Assurant's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 760 643 277 1,357 422 364 237 520 565 142
Consolidated Net Income / (Loss)		 760 643 277 1,362 442 387 253 520 565 142
Net Income / (Loss) Continuing Operations		 760 643 277 603 519 306 253 520 565 142
Total Pre-Tax Income 		927 807 350 771 578 455 334 445 849 201
Total Revenue		 11,878 11,024 10,193 10,188 9,598 9,569 7,957 6,366 7,445 10,326
Net Interest Income / (Expense)		 -107 -108 -108 0.00 -105 0.00 -100 -50 -58 0.00
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 107 108 108 0.00 105 0.00 100 50 58 0.00
Long-Term Debt Interest Expense		 107 108 108 - 105 - 100 50 58 -
Total Non-Interest Income		 11,878 11,132 10,193 10,188 9,598 9,569 8,058 6,416 7,502 10,326
Other Service Charges		 1,639 1,323 1,243 1,173 1,042 1,170 1,308 1,383 1,423 1,304
Net Realized & Unrealized Capital Gains on Investments		 443 421 184 443 277 440 593 525 1,079 658
Premiums Earned		 9,796 9,388 8,765 8,572 8,278 7,959 6,157 4,404 5,007 8,351
Total Non-Interest Expense		 10,950 10,217 9,843 9,416 8,915 9,114 7,624 5,922 6,603 10,124
Property & Liability Insurance Claims		 2,767 2,522 2,360 2,202 2,275 2,386 2,343 1,871 1,809 4,743
Other Operating Expenses		 8,077 7,695 7,366 7,194 6,640 3,460 2,980 2,710 3,443 3,979
Impairment Charge		 0.00 0.00 7.80 0.00 0.00 - 0.00 0.90 0.00 -
Other Special Charges		 0.00 - 0.90 21 - 31 - - - 0.00
Income Tax Expense		 167 164 73 168 59 148 81 -75 283 60
Basic Earnings per Share		 $14.55 $12.02 $5.09 $22.95 $7.02 $5.87 $4.00 $9.45 $9.23 $2.08
Weighted Average Basic Shares Outstanding		 52.23M 53.46M 54.37M 59.14M 60.11M 61.94M 59.24M 54.99M 61.26M 68.16M
Diluted Earnings per Share		 $14.46 $11.95 $5.05 $22.66 $6.98 $5.84 $3.98 $9.39 $9.13 $2.05
Weighted Average Diluted Shares Outstanding		 52.58M 53.78M 54.78M 60.12M 63.18M 62.31M 59.55M 55.31M 61.93M 69.02M
Weighted Average Basic & Diluted Shares Outstanding		 50.79M 51.98M 52.92M 55.16M 57.90M 59.82M 59.20M 55M 61.30M 68.10M
Cash Dividends to Common per Share		 $2.96 $2.82 $2.74 $2.66 $2.55 $2.43 $2.28 $2.15 $2.03 $1.37

Quarterly Income Statements for Assurant

This table shows Assurant's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 147 201 134 189 236 183 190 156 114 68 7.30
Consolidated Net Income / (Loss)		 147 201 134 189 236 183 190 156 114 68 7.30
Net Income / (Loss) Continuing Operations		 147 201 134 189 236 183 190 156 114 68 7.30
Total Pre-Tax Income 		184 250 152 233 293 227 229 204 147 96 8.50
Total Revenue		 3,074 3,105 2,968 2,925 2,880 2,929 2,747 2,704 2,643 2,653 2,548
Net Interest Income / (Expense)		 -27 -54 -27 -27 0.00 -54 -27 -27 0.00 -108 0.00
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 27 54 27 27 0.00 54 27 27 0.00 108 0.00
Long-Term Debt Interest Expense		 27 - 27 27 - - 27 27 - - -
Total Non-Interest Income		 3,074 3,105 2,968 2,925 2,880 2,983 2,774 2,732 2,643 2,653 2,548
Other Service Charges		 403 439 439 375 386 434 310 296 283 301 295
Net Realized & Unrealized Capital Gains on Investments		 109 109 111 105 118 127 106 93 95 89 56
Premiums Earned		 2,562 2,558 2,417 2,445 2,377 2,422 2,357 2,343 2,266 2,263 2,197
Total Non-Interest Expense		 2,890 2,855 2,816 2,692 2,587 2,703 2,518 2,500 2,496 2,557 2,539
Property & Liability Insurance Claims		 780 671 777 696 623 599 645 633 646 599 671
Other Operating Expenses		 2,084 2,131 2,013 1,969 1,964 2,104 1,874 1,868 1,850 1,841 1,869
Income Tax Expense		 37 49 18 44 57 44 39 48 34 28 1.20
Basic Earnings per Share		 $2.86 $3.90 $2.56 $3.59 $4.50 $3.44 $3.55 $2.91 $2.12 $1.32 $0.14
Weighted Average Basic Shares Outstanding		 51.28M 52.23M 52.20M 52.50M 52.53M 53.46M 53.54M 53.75M 53.49M 54.37M 53.72M
Diluted Earnings per Share		 $2.83 $3.86 $2.55 $3.58 $4.47 $3.39 $3.54 $2.90 $2.12 $1.31 $0.14
Weighted Average Diluted Shares Outstanding		 51.73M 52.58M 52.46M 52.72M 52.87M 53.78M 53.75M 53.89M 53.70M 54.78M 54.07M
Weighted Average Basic & Diluted Shares Outstanding		 50.70M 50.79M 51.29M 51.79M 51.99M 51.98M 52.59M 53.02M 53.15M 52.92M 52.83M
Cash Dividends to Common per Share		 $0.80 - $0.72 $0.72 $0.72 - $0.70 $0.70 $0.70 - $0.68

Annual Cash Flow Statements for Assurant

This table details how cash moves in and out of Assurant's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Change in Cash & Equivalents		 180 91 -518 -174 362 613 292 -35 -246 -508
Net Cash From Operating Activities		 1,333 1,138 597 782 1,342 1,413 657 530 109 230
Net Cash From Continuing Operating Activities		 1,333 1,138 597 631 1,114 1,128 657 530 109 261
Net Income / (Loss) Continuing Operations		 760 643 277 1,362 519 383 251 520 565 142
Consolidated Net Income / (Loss)		 760 643 277 1,362 441 383 251 520 565 142
Depreciation Expense		 224 196 182 172 142 126 127 116 125 137
Non-Cash Adjustments to Reconcile Net Income		 389 -12 -196 -1,540 273 -534 184 1,010 156 -250
Changes in Operating Assets and Liabilities, net		 -40 312 334 637 181 1,154 152 -1,011 -344 246
Net Cash From Investing Activities		 -658 -638 -262 158 -735 -620 -2,203 -541 726 264
Net Cash From Continuing Investing Activities		 -658 -638 -262 303 -519 -337 -2,203 -541 726 -401
Purchase of Property, Leasehold Improvements and Equipment		 -221 -203 -186 -187 -121 -110 -83 -62 -85 -115
Purchase of Investment Securities		 -2,520 -2,344 -3,351 -3,333 -2,525 -3,650 -7,644 -4,630 -4,734 -3,024
Divestitures		 -5.00 0.00 4.80 1,316 0.00 0.00 61 0.00 874 50
Sale and/or Maturity of Investments		 2,088 1,908 3,271 2,508 2,127 3,423 5,464 4,125 4,671 2,688
Net Cash From Financing Activities		 -478 -404 -818 -1,090 -265 -179 1,838 -27 -1,080 -462
Net Cash From Continuing Financing Activities		 -478 -404 -818 -1,090 -265 -179 1,838 -27 -1,080 -368
Issuance of Debt		 0.00 173 0.00 347 444 934 2,766 304 250 0.00
Repayment of Debt		 0.00 -225 -76 -420 -201 -699 -942 -221 -373 0.00
Repurchase of Common Equity		 -307 -193 -573 -839 -307 -252 -139 -389 -863 -293
Payment of Dividends		 -156 -152 -150 -162 -173 -170 -148 -119 -125 -
Other Financing Activities, Net		 -14 -6.70 -20 -16 -27 7.50 9.30 398 32 -75
Effect of Exchange Rate Changes		 -17 -5.80 -35 -24 20 -1.60 - 2.30 - -
Cash Interest Paid		 107 107 109 110 104 103 80 48 56 55
Cash Income Taxes Paid		 -39 235 128 221 99 93 94 19 226 80

Quarterly Cash Flow Statements for Assurant

This table details how cash moves in and out of Assurant's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -138 -5.70 100 431 -346 202 24 -124 -11 107 248
Net Cash From Operating Activities		 392 103 437 711 83 363 331 185 260 277 648
Net Cash From Continuing Operating Activities		 392 103 437 711 83 363 331 185 260 277 648
Net Income / (Loss) Continuing Operations		 147 201 134 189 236 183 190 156 114 68 7.30
Consolidated Net Income / (Loss)		 147 201 134 189 236 183 190 156 114 68 7.30
Depreciation Expense		 57 64 59 51 51 55 46 47 48 42 45
Non-Cash Adjustments to Reconcile Net Income		 73 139 207 -17 60 -74 36 -41 66 39 -65
Changes in Operating Assets and Liabilities, net		 116 -301 37 488 -264 199 59 23 32 129 661
Net Cash From Investing Activities		 -422 71 -207 -193 -328 3.10 -157 -254 -229 -127 -242
Net Cash From Continuing Investing Activities		 -422 71 -207 -193 -328 3.10 -157 -254 -229 -127 -242
Purchase of Property, Leasehold Improvements and Equipment		 -53 -68 -47 -55 -51 -54 -50 -49 -48 -52 -47
Purchase of Investment Securities		 -883 -524 -681 -516 -800 -764 -581 -378 -621 -474 -855
Sale and/or Maturity of Investments		 515 668 521 378 522 821 475 173 440 399 660
Net Cash From Financing Activities		 -119 -160 -141 -81 -96 -162 -142 -57 -43 -51 -142
Net Cash From Continuing Financing Activities		 -119 -160 -141 -81 -96 -162 -142 -57 -43 -51 -142
Repurchase of Common Equity		 -64 -120 -99 -42 -46 -126 -49 -18 0.00 -15 -91
Payment of Dividends		 -41 -41 -38 -40 -37 -39 -37 -40 -37 -38 -37
Other Financing Activities, Net		 -14 1.70 -3.90 0.70 -13 2.50 -5.10 0.10 -4.20 1.50 -15
Effect of Exchange Rate Changes		 9.80 -20 12 -5.50 -3.60 -1.60 -8.40 2.50 1.70 8.20 -16

Annual Balance Sheets for Assurant

This table presents Assurant's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Total Assets		 35,021 33,635 33,117 33,921 44,650 44,291 41,089 4,427 29,709 30,036
Cash and Due from Banks		 1,808 1,627 1,537 2,041 2,208 1,867 1,254 - 1,032 1,288
Trading Account Securities		 7,384 7,135 6,565 7,661 7,106 12,711 11,636 - 9,994 10,715
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 131 97 85 62 67 131 126 - 110 130
Premises and Equipment, Net		 768 686 645 561 446 434 393 - 344 298
Mortgage Servicing Rights		 343 329 296 257 138 815 760 - 624 1,151
Unearned Premiums Asset		 2,054 2,266 2,406 1,943 1,549 1,693 1,644 - 1,218 1,261
Deferred Acquisition Cost		 9,993 9,967 9,677 8,811 7,388 6,668 5,103 3,485 3,267 3,151
Goodwill		 2,616 2,609 2,603 2,572 2,589 2,343 2,322 918 831 834
Intangible Assets		 536 567 639 719 696 540 622 - 240 277
Other Assets		 9,390 8,353 8,664 9,295 22,451 13,229 15,621 24 10,357 9,133
Total Liabilities & Shareholders' Equity		 35,021 33,635 33,117 33,921 44,650 44,291 41,089 3,782 29,709 30,036
Total Liabilities		 29,914 28,826 28,889 28,457 38,695 38,609 35,955 3,782 25,611 25,512
Other Short-Term Payables		 2,838 2,793 - 3,044 2,641 - 2,241 - 1,986 2,050
Long-Term Debt		 2,083 2,081 2,130 2,203 2,253 2,007 2,006 - 1,067 1,165
Claims and Claim Expense		 2,914 1,989 2,210 1,605 1,610 2,688 2,814 3,782 3,301 3,897
Future Policy Benefits		 537 487 508 413 1,359 9,807 9,241 - 10,113 9,467
Unearned Premiums Liability		 20,211 20,110 19,802 18,624 17,293 16,604 15,648 - 6,627 6,424
Other Long-Term Liabilities		 1,331 1,366 1,507 2,568 13,528 3,977 2,397 - 825 713
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Total Equity & Noncontrolling Interests		 5,107 4,810 4,229 5,464 5,955 5,682 5,134 0.00 4,098 4,524
Total Preferred & Common Equity		 5,107 4,810 4,229 5,464 5,951 5,653 5,112 0.00 4,098 4,524
Total Common Equity		 5,107 4,810 4,229 5,464 5,949 5,650 5,109 0.00 4,098 4,524
Common Stock		 1,687 1,669 1,638 1,696 1,957 4,539 4,497 - 3,177 3,150
Retained Earnings		 4,378 4,028 3,699 4,041 3,549 5,966 5,760 - 5,297 4,857
Treasury Stock		 -123 -123 -123 -123 -267 -5,267 -4,992 - -4,471 -3,601
Accumulated Other Comprehensive Income / (Loss)		 -836 -765 -986 -150 710 412 -155 - 95 119

Quarterly Balance Sheets for Assurant

This table presents Assurant's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Total Assets		 34,988 35,021 35,332 33,773 33,225 33,635 33,209 33,105 32,915 33,117 33,246
Cash and Due from Banks		 1,670 1,808 1,813 1,713 1,282 1,627 1,425 1,402 1,526 1,537 1,430
Trading Account Securities		 7,830 7,384 7,816 7,435 7,458 7,135 6,787 6,877 6,838 6,565 6,441
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 139 131 120 120 97 97 94 91 94 85 85
Premises and Equipment, Net		 786 768 742 733 706 686 664 643 671 645 618
Mortgage Servicing Rights		 346 343 329 330 333 329 322 303 306 296 304
Unearned Premiums Asset		 1,843 2,054 1,783 1,815 2,003 2,266 2,410 2,342 2,332 2,406 2,289
Deferred Acquisition Cost		 9,960 9,993 10,084 10,041 9,979 9,967 9,904 9,819 9,683 9,677 9,578
Goodwill		 2,621 2,616 2,625 2,618 2,609 2,609 2,605 2,606 2,604 2,603 2,547
Intangible Assets		 553 536 546 555 563 567 590 608 616 639 631
Other Assets		 9,241 9,390 9,474 8,413 8,198 8,353 8,408 8,414 8,246 8,664 9,323
Total Liabilities & Shareholders' Equity		 34,988 35,021 35,332 33,773 33,225 33,635 33,209 33,105 32,915 33,117 33,246
Total Liabilities		 29,754 29,914 30,077 28,769 28,305 28,826 28,718 28,619 28,519 28,889 29,147
Short-Term Debt		 3,600 - - - 2,455 - 2,572 2,529 2,639 2,732 -
Long-Term Debt		 2,084 2,083 2,083 2,082 2,081 2,081 2,080 2,129 2,129 2,130 2,129
Claims and Claim Expense		 2,570 2,914 3,049 2,115 2,015 1,989 2,011 2,020 2,081 2,210 3,022
Future Policy Benefits		 507 537 504 512 522 487 511 523 518 508 407
Unearned Premiums Liability		 20,133 20,211 20,400 20,245 20,031 20,110 20,120 19,931 19,672 19,802 19,555
Other Long-Term Liabilities		 861 1,331 1,296 1,303 1,201 1,366 1,425 1,486 1,481 1,507 1,566
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 5,234 5,107 5,255 5,004 4,920 4,810 4,491 4,486 4,396 4,229 4,099
Total Preferred & Common Equity		 5,234 5,107 5,255 5,004 4,920 4,810 4,491 4,486 4,396 4,229 4,099
Total Common Equity		 5,234 5,107 5,255 5,004 4,920 4,810 4,491 4,486 4,396 4,229 4,099
Common Stock		 1,674 1,687 1,684 1,670 1,660 1,669 1,674 1,654 1,643 1,638 1,628
Retained Earnings		 4,431 4,378 4,322 4,310 4,194 4,028 3,991 3,877 3,776 3,699 3,679
Treasury Stock		 -123 -123 -123 -123 -123 -123 -123 -123 -123 -123 -123
Accumulated Other Comprehensive Income / (Loss)		 -749 -836 -627 -853 -811 -765 -1,051 -923 -900 -986 -1,085

Annual Metrics And Ratios for Assurant

This table displays calculated financial ratios and metrics derived from Assurant's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 7.75% 8.15% 0.05% 6.15% 0.30% 20.26% 24.99% -14.48% -27.90% -0.54%
EBITDA Growth		 14.71% 88.61% -43.59% 14.30% 42.18% 43.79% -11.57% -20.31% 76.02% -62.88%
EBIT Growth		 14.94% 130.58% -54.64% 12.99% 50.12% 36.34% -24.97% -47.21% 318.49% -72.96%
NOPAT Growth		 18.32% 132.28% -54.12% 16.08% 69.52% 21.30% -51.39% -8.10% 299.29% -69.93%
Net Income Growth		 18.32% 132.28% -79.69% 208.31% 14.19% 53.13% -51.39% -8.10% 299.29% -69.93%
EPS Growth		 21.00% 136.63% -77.71% 224.64% 19.52% 46.73% -57.61% 2.85% 345.37% -68.17%
Operating Cash Flow Growth		 17.10% 90.67% -23.64% -41.75% -5.05% 115.23% 23.81% 388.40% -52.76% -41.62%
Free Cash Flow Firm Growth		 -83.80% 347.84% -200.25% 163,328.57% 100.29% 96.11% -223.86% 362.87% -68.72% 266.92%
Invested Capital Growth		 4.35% -24.20% 18.57% -6.59% 6.75% 7.69% 1,007.99% -87.52% -9.20% -36.99%
Revenue Q/Q Growth		 0.57% 2.57% 0.01% 1.79% 2.86% -0.62% 8.52% -0.40% -10.60% -0.72%
EBITDA Q/Q Growth		 2.87% 16.72% -9.80% -9.84% 28.25% 12.73% -10.11% 36.54% -36.68% 79.41%
EBIT Q/Q Growth		 2.59% 19.26% -13.37% -12.52% 36.27% 8.62% -25.71% 33.00% -6.88% 10.97%
NOPAT Q/Q Growth		 2.54% 21.66% -14.84% -0.30% 15.50% 7.66% -53.13% 118.32% -5.75% 12.77%
Net Income Q/Q Growth		 2.54% 21.66% -14.02% -1.79% 2.13% 35.91% -53.13% 118.32% -5.75% 12.77%
EPS Q/Q Growth		 3.36% 21.07% -9.98% -1.95% 3.71% 48.22% -58.37% 115.37% -2.67% 14.53%
Operating Cash Flow Q/Q Growth		 -16.31% 8.12% 3.90% -19.20% 16.99% 3.17% 6.16% -2.32% 129.55% -75.10%
Free Cash Flow Firm Q/Q Growth		 -81.91% 219.14% -156.14% 88.47% -99.65% -111.87% -68.17% 617.61% -63.37% 347.86%
Invested Capital Q/Q Growth		 -2.02% -24.63% 45.95% -3.52% 3.26% -0.10% -24.50% -87.62% -8.91% -29.28%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 9.69% 9.10% 5.22% 9.26% 8.59% 6.06% 5.07% 7.17% 7.69% 3.15%
EBIT Margin		 7.81% 7.32% 3.43% 7.57% 7.11% 4.75% 4.19% 6.98% 11.31% 1.95%
Profit (Net Income) Margin		 6.40% 5.83% 2.71% 13.37% 4.60% 4.04% 3.17% 8.16% 7.59% 1.37%
Tax Burden Percent		 81.98% 79.64% 79.05% 176.56% 76.41% 85.07% 75.74% 116.90% 66.63% 70.38%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 84.69% 100.00% 100.00% 100.00% 100.78% 100.00%
Effective Tax Rate		 18.02% 20.36% 20.95% 21.83% 10.15% 32.61% 24.26% -16.90% 33.37% 29.62%
Return on Invested Capital (ROIC)		 10.80% 8.04% 3.30% 7.60% 6.53% 4.13% 6.49% 17.89% 10.42% 1.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.80% 8.04% 3.30% 41.66% 2.89% 8.14% 6.49% 17.89% 10.42% 1.92%
Return on Net Nonoperating Assets (RNNOA)		 4.53% 6.18% 2.41% 16.26% 1.06% 3.02% 3.35% 7.47% 2.70% 0.99%
Return on Equity (ROE)		 15.33% 14.22% 5.71% 23.85% 7.59% 7.15% 9.84% 25.36% 13.12% 2.92%
Cash Return on Invested Capital (CROIC)		 6.54% 35.58% -13.69% 14.41% 0.01% -3.27% -160.40% 173.52% 20.07% 47.31%
Operating Return on Assets (OROA)		 2.70% 2.42% 1.04% 1.96% 1.53% 1.07% 1.47% 2.60% 2.82% 0.65%
Return on Assets (ROA)		 2.21% 1.93% 0.83% 3.47% 0.99% 0.91% 1.11% 3.04% 1.89% 0.46%
Return on Common Equity (ROCE)		 15.33% 14.22% 5.71% 23.84% 7.57% 7.11% 9.79% 25.36% 13.12% 2.92%
Return on Equity Simple (ROE_SIMPLE)		 14.89% 13.36% 6.54% 24.92% 7.42% 6.84% 4.94% 0.00% 13.80% 3.13%
Net Operating Profit after Tax (NOPAT)		 760 643 277 603 519 306 253 520 565 142
NOPAT Margin		 6.40% 5.83% 2.71% 5.92% 5.41% 3.20% 3.17% 8.16% 7.59% 1.37%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% -34.07% 3.65% -4.01% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 92.19% 92.68% 96.57% 92.43% 92.89% 95.25% 95.81% 93.02% 88.69% 98.05%
Earnings before Interest and Taxes (EBIT)		 927 807 350 771 683 455 334 445 842 201
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1,151 1,003 532 943 825 580 404 456 573 325
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 2.13 1.81 1.50 1.55 1.26 1.29 0.98 0.00 1.11 0.98
Price to Tangible Book Value (P/TBV)		 5.57 5.32 6.43 3.90 2.82 2.64 2.30 0.00 1.50 1.30
Price to Revenue (P/Rev)		 0.92 0.79 0.62 0.83 0.78 0.76 0.63 0.75 0.61 0.43
Price to Earnings (P/E)		 14.33 13.53 22.95 6.25 17.78 20.06 21.07 9.17 8.04 31.38
Dividend Yield		 1.39% 1.71% 2.28% 1.79% 2.00% 2.02% 2.84% 2.43% 2.55% 2.03%
Earnings Yield		 6.98% 7.39% 4.36% 16.01% 5.62% 4.98% 4.75% 10.91% 12.43% 3.19%
Enterprise Value to Invested Capital (EV/IC)		 1.55 1.33 1.06 1.13 0.92 0.97 0.81 7.39 0.89 0.76
Enterprise Value to Revenue (EV/Rev)		 0.94 0.83 0.95 0.85 0.79 0.78 0.72 0.75 0.62 0.42
Enterprise Value to EBITDA (EV/EBITDA)		 9.71 9.11 18.19 9.16 9.16 12.88 14.29 10.44 8.00 13.28
Enterprise Value to EBIT (EV/EBIT)		 12.05 11.33 27.65 11.20 11.07 16.44 17.29 10.72 5.44 21.47
Enterprise Value to NOPAT (EV/NOPAT)		 14.69 14.23 34.97 14.33 14.55 24.39 22.83 9.17 8.10 30.50
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.38 8.03 16.21 11.05 5.63 5.29 8.78 8.98 42.19 18.79
Enterprise Value to Free Cash Flow (EV/FCFF)		 24.26 3.22 0.00 7.55 10,797.76 0.00 0.00 0.95 4.21 1.24
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.41 0.43 1.15 0.40 0.38 0.35 0.39 0.00 0.26 0.26
Long-Term Debt to Equity		 0.41 0.43 0.50 0.40 0.38 0.35 0.39 0.00 0.26 0.26
Financial Leverage		 0.42 0.77 0.73 0.39 0.37 0.37 0.52 0.42 0.26 0.52
Leverage Ratio		 6.92 7.39 6.92 6.88 7.64 7.89 8.87 8.33 6.93 6.35
Compound Leverage Factor		 6.92 7.39 6.92 6.88 6.47 7.89 8.87 8.33 6.98 6.35
Debt to Total Capital		 28.97% 30.20% 53.48% 28.73% 27.45% 26.10% 28.10% 0.00% 20.66% 20.47%
Short-Term Debt to Total Capital		 0.00% 0.00% 30.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 28.97% 30.20% 23.43% 28.73% 27.45% 26.10% 28.10% 0.00% 20.66% 20.47%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.04% 0.04% 0.04% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.04% 0.38% 0.31% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 71.03% 69.80% 46.52% 71.27% 72.47% 73.48% 71.56% 0.00% 79.34% 79.53%
Debt to EBITDA		 1.81 2.07 9.14 2.34 2.73 3.46 4.97 0.00 1.86 3.58
Net Debt to EBITDA		 0.24 0.45 6.25 0.17 0.05 0.24 1.86 0.00 0.06 -0.38
Long-Term Debt to EBITDA		 1.81 2.07 4.00 2.34 2.73 3.46 4.97 0.00 1.86 3.58
Debt to NOPAT		 2.74 3.24 17.58 3.65 4.34 6.55 7.94 0.00 1.89 8.23
Net Debt to NOPAT		 0.36 0.71 12.02 0.27 0.09 0.46 2.98 0.00 0.06 -0.87
Long-Term Debt to NOPAT		 2.74 3.24 7.70 3.65 4.34 6.55 7.94 0.00 1.89 8.23
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.06% 0.33% 0.53% 0.48% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 461 2,843 -1,147 1,144 0.70 -243 -6,243 5,040 1,089 3,481
Operating Cash Flow to CapEx		 602.21% 562.02% 320.40% 417.13% 1,107.26% 1,281.41% 793.12% 1,477.44% 127.46% 200.09%
Free Cash Flow to Firm to Interest Expense		 4.30 26.32 -10.59 0.00 0.01 0.00 -62.24 101.82 18.90 0.00
Operating Cash Flow to Interest Expense		 12.46 10.54 5.51 0.00 12.84 0.00 6.55 10.72 1.89 0.00
Operating Cash Flow Less CapEx to Interest Expense		 10.39 8.66 3.79 0.00 11.68 0.00 5.72 9.99 0.41 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.35 0.33 0.30 0.26 0.22 0.22 0.35 0.37 0.25 0.34
Fixed Asset Turnover		 16.34 16.57 16.90 20.22 21.82 23.16 0.00 0.00 23.19 35.85
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 7,190 6,890 9,090 7,667 8,208 7,689 7,140 644 5,165 5,689
Invested Capital Turnover		 1.69 1.38 1.22 1.28 1.21 1.29 2.04 2.19 1.37 1.40
Increase / (Decrease) in Invested Capital		 300 -2,200 1,424 -541 519 549 6,496 -4,521 -524 -3,339
Enterprise Value (EV)		 11,170 9,144 9,673 8,639 7,558 7,474 5,766 4,763 4,582 4,319
Market Capitalization		 10,895 8,691 6,349 8,477 7,507 7,302 4,989 4,763 4,547 4,443
Book Value per Share		 $99.57 $91.45 $80.04 $95.90 $101.24 $93.18 $82.33 $0.00 $71.88 $68.71
Tangible Book Value per Share		 $38.12 $31.06 $18.68 $38.14 $45.32 $45.62 $34.89 ($17.05) $53.09 $51.84
Total Capital		 7,190 6,890 9,090 7,667 8,208 7,689 7,140 0.00 5,165 5,689
Total Debt		 2,083 2,081 4,861 2,203 2,253 2,007 2,006 0.00 1,067 1,165
Total Long-Term Debt		 2,083 2,081 2,130 2,203 2,253 2,007 2,006 0.00 1,067 1,165
Net Debt		 275 453 3,325 162 45 140 752 0.00 35 -124
Capital Expenditures (CapEx)		 221 203 186 187 121 110 83 36 85 115
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 -759 78 -80 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 2,083 2,081 4,861 2,203 2,253 2,007 2,006 644 1,067 1,165
Total Depreciation and Amortization (D&A)		 224 196 182 172 142 126 70 12 -269 124
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $14.55 $12.02 $5.09 $23.13 $7.04 $5.87 $4.00 $9.45 $9.23 $2.08
Adjusted Weighted Average Basic Shares Outstanding		 52.23M 53.46M 54.37M 59.14M 60.11M 61.94M 59.24M 54.99M 61.26M 68.16M
Adjusted Diluted Earnings per Share		 $14.46 $11.95 $5.05 $22.83 $6.99 $5.84 $3.98 $9.39 $9.13 $2.05
Adjusted Weighted Average Diluted Shares Outstanding		 52.58M 53.78M 54.78M 60.12M 63.18M 62.31M 59.55M 55.31M 61.93M 69.02M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $5.87 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 50.79M 51.98M 52.92M 55.16M 57.90M 59.82M 61.70M 52.48M 55.64M 64.78M
Normalized Net Operating Profit after Tax (NOPAT)		 760 643 283 619 519 328 253 312 565 142
Normalized NOPAT Margin		 6.40% 5.83% 2.78% 6.08% 5.41% 3.42% 3.17% 4.90% 7.59% 1.37%
Pre Tax Income Margin		 7.81% 7.32% 3.43% 7.57% 6.02% 4.75% 4.19% 6.98% 11.40% 1.95%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 8.67 7.47 3.23 0.00 6.53 0.00 3.33 8.98 14.62 0.00
NOPAT to Interest Expense		 7.10 5.95 2.55 0.00 4.97 0.00 2.52 10.50 9.82 0.00
EBIT Less CapEx to Interest Expense		 6.60 5.60 1.51 0.00 5.37 0.00 2.50 8.25 13.14 0.00
NOPAT Less CapEx to Interest Expense		 5.04 4.07 0.83 0.00 3.81 0.00 1.69 9.77 8.34 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 20.51% 23.70% 54.30% 11.92% 39.23% 43.98% 58.59% 22.90% 22.16% 0.00%
Augmented Payout Ratio		 60.94% 53.76% 261.39% 73.55% 108.81% 109.15% 113.74% 97.75% 174.81% 206.85%

Quarterly Metrics And Ratios for Assurant

This table displays calculated financial ratios and metrics derived from Assurant's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.73% 5.99% 8.03% 8.15% 8.98% 10.43% 7.82% 7.76% 6.45% 0.03% -1.61%
EBITDA Growth		 -30.01% 11.39% -23.55% 12.68% 75.97% 104.06% 415.38% 113.14% -12.27% -29.50% -76.84%
EBIT Growth		 -37.28% 10.33% -33.79% 14.00% 99.12% 135.31% 2,591.76% 192.27% -16.04% -35.93% -95.48%
NOPAT Growth		 -37.99% 10.30% -29.62% 20.73% 108.10% 167.99% 2,504.11% 199.43% -23.76% -41.44% -95.17%
Net Income Growth		 -37.99% 10.30% -29.62% 20.73% 108.10% 167.99% 2,504.11% 199.43% -23.76% -39.84% -99.17%
EPS Growth		 -36.69% 13.86% -27.97% 23.45% 110.85% 158.78% 2,428.57% 205.26% -20.00% -29.95% -99.05%
Operating Cash Flow Growth		 375.64% -71.65% 32.07% 283.44% -68.22% 30.86% -48.99% 7.17% 151.81% 8.79% 32,495.00%
Free Cash Flow Firm Growth		 -2,243.49% -104.13% 171.15% 193.64% 96.93% 275.78% -257.86% -224.80% -291.41% -306.18% 1,025.51%
Invested Capital Growth		 15.45% 4.35% -19.74% -22.51% 3.19% -24.20% 46.79% 38.79% 26.85% 18.57% -21.62%
Revenue Q/Q Growth		 -0.99% 4.62% 1.46% 1.56% -4.33% 6.64% 1.58% 2.33% -0.38% 4.12% 1.52%
EBITDA Q/Q Growth		 -23.42% 49.48% -25.90% -17.50% 21.90% 2.58% 9.22% 28.84% 41.35% 159.10% -54.83%
EBIT Q/Q Growth		 -26.52% 65.02% -34.95% -20.48% 29.26% -0.96% 11.99% 38.89% 52.75% 1,032.94% -87.84%
NOPAT Q/Q Growth		 -27.17% 50.45% -29.09% -20.18% 29.53% -4.00% 21.63% 37.59% 66.81% 832.88% -86.02%
Net Income Q/Q Growth		 -27.17% 50.45% -29.09% -20.18% 29.53% -4.00% 21.63% 37.59% 66.81% 832.88% -86.02%
EPS Q/Q Growth		 -26.68% 51.37% -28.77% -19.91% 31.86% -4.24% 22.07% 36.79% 61.83% 835.71% -85.26%
Operating Cash Flow Q/Q Growth		 281.71% -76.45% -38.60% 761.70% -77.25% 9.71% 78.26% -28.58% -6.32% -57.23% 274.51%
Free Cash Flow Firm Q/Q Growth		 -1,236.08% -105.08% -13.74% 4,104.99% 86.32% 187.47% -13.52% -31.37% -34.75% -178.56% -10.26%
Invested Capital Q/Q Growth		 51.85% -2.02% 3.55% -25.07% -2.34% -24.63% -0.02% -0.22% 0.81% 45.95% -5.47%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 7.82% 10.11% 7.08% 9.69% 11.93% 9.62% 10.00% 9.30% 7.39% 5.21% 2.09%
EBIT Margin		 5.98% 8.05% 5.11% 7.96% 10.17% 7.74% 8.33% 7.55% 5.57% 3.63% 0.33%
Profit (Net Income) Margin		 4.77% 6.48% 4.51% 6.45% 8.21% 6.23% 6.92% 5.78% 4.30% 2.57% 0.29%
Tax Burden Percent		 79.80% 80.52% 88.32% 81.02% 80.71% 80.54% 83.09% 76.51% 77.23% 70.72% 85.88%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.20% 19.48% 11.68% 18.98% 19.29% 19.46% 16.91% 23.49% 22.77% 29.28% 14.12%
Return on Invested Capital (ROIC)		 5.66% 10.94% 6.46% 9.21% 10.02% 8.60% 9.68% 7.75% 5.43% 3.12% 0.41%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.66% 10.94% 6.46% 9.21% 10.02% 8.60% 9.68% 7.75% 5.43% 3.12% 0.41%
Return on Net Nonoperating Assets (RNNOA)		 5.70% 4.59% 4.46% 6.54% 10.01% 6.60% 7.64% 5.88% 4.02% 2.28% 0.18%
Return on Equity (ROE)		 11.36% 15.53% 10.93% 15.76% 20.03% 15.20% 17.32% 13.63% 9.45% 5.40% 0.59%
Cash Return on Invested Capital (CROIC)		 -7.76% 6.54% 30.89% 35.19% 5.08% 35.58% -31.04% -28.10% -20.73% -13.69% 28.83%
Operating Return on Assets (OROA)		 2.12% 2.79% 1.76% 2.76% 3.50% 2.55% 2.69% 2.46% 1.75% 1.10% 0.10%
Return on Assets (ROA)		 1.69% 2.24% 1.55% 2.24% 2.82% 2.06% 2.24% 1.88% 1.35% 0.78% 0.09%
Return on Common Equity (ROCE)		 11.36% 15.53% 10.93% 15.76% 20.03% 15.20% 17.32% 13.63% 9.45% 5.40% 0.59%
Return on Equity Simple (ROE_SIMPLE)		 12.81% 0.00% 14.11% 15.94% 15.55% 0.00% 11.76% 7.70% 5.49% 0.00% 7.85%
Net Operating Profit after Tax (NOPAT)		 147 201 134 189 236 183 190 156 114 68 7.30
NOPAT Margin		 4.77% 6.48% 4.51% 6.45% 8.21% 6.23% 6.92% 5.78% 4.30% 2.57% 0.29%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 94.02% 91.95% 94.90% 92.04% 89.83% 92.26% 91.67% 92.45% 94.43% 96.37% 99.67%
Earnings before Interest and Taxes (EBIT)		 184 250 152 233 293 227 229 204 147 96 8.50
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 240 314 210 283 344 282 275 252 195 138 53
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.04 2.13 1.96 1.73 2.00 1.81 1.67 1.46 1.41 1.50 1.82
Price to Tangible Book Value (P/TBV)		 5.17 5.57 4.94 4.72 5.64 5.32 5.78 5.16 5.27 6.43 8.11
Price to Revenue (P/Rev)		 0.88 0.92 0.87 0.75 0.87 0.79 0.70 0.62 0.60 0.62 0.73
Price to Earnings (P/E)		 15.89 14.33 13.89 10.83 12.88 13.53 14.18 19.01 25.73 22.95 23.21
Dividend Yield		 1.45% 1.39% 1.45% 1.72% 1.89% 1.71% 1.98% 2.25% 2.35% 2.28% 1.94%
Earnings Yield		 6.29% 6.98% 7.20% 9.23% 7.76% 7.39% 7.05% 5.26% 3.89% 4.36% 4.31%
Enterprise Value to Invested Capital (EV/IC)		 1.34 1.55 1.44 1.27 1.39 1.33 1.17 1.07 1.03 1.06 1.31
Enterprise Value to Revenue (EV/Rev)		 1.21 0.94 0.89 0.78 1.15 0.83 1.00 0.93 0.91 0.95 0.80
Enterprise Value to EBITDA (EV/EBITDA)		 14.00 9.71 9.45 7.61 11.39 9.11 12.47 15.39 18.73 18.19 13.85
Enterprise Value to EBIT (EV/EBIT)		 17.93 12.05 11.69 9.18 13.77 11.33 15.84 21.53 29.36 27.65 20.22
Enterprise Value to NOPAT (EV/NOPAT)		 21.88 14.69 14.26 11.30 17.13 14.23 20.29 28.44 39.18 34.97 25.15
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.93 8.38 6.64 6.06 13.65 8.03 10.18 7.17 6.96 16.21 14.22
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 24.26 4.15 3.16 27.74 3.22 0.00 0.00 0.00 0.00 4.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.09 0.41 0.40 0.42 0.92 0.43 1.04 1.04 1.08 1.15 0.52
Long-Term Debt to Equity		 0.40 0.41 0.40 0.42 0.42 0.43 0.46 0.47 0.48 0.50 0.52
Financial Leverage		 1.01 0.42 0.69 0.71 1.00 0.77 0.79 0.76 0.74 0.73 0.44
Leverage Ratio		 6.72 6.92 7.03 7.05 7.10 7.39 7.74 7.25 7.00 6.92 6.79
Compound Leverage Factor		 6.72 6.92 7.03 7.05 7.10 7.39 7.74 7.25 7.00 6.92 6.79
Debt to Total Capital		 52.06% 28.97% 28.38% 29.38% 47.97% 30.20% 50.88% 50.94% 52.03% 53.48% 34.19%
Short-Term Debt to Total Capital		 32.97% 0.00% 0.00% 0.00% 25.96% 0.00% 28.13% 27.65% 28.80% 30.05% 0.00%
Long-Term Debt to Total Capital		 19.09% 28.97% 28.38% 29.38% 22.01% 30.20% 22.75% 23.29% 23.23% 23.43% 34.19%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 47.94% 71.03% 71.62% 70.62% 52.03% 69.80% 49.12% 49.06% 47.97% 46.52% 65.81%
Debt to EBITDA		 5.42 1.81 1.86 1.76 3.94 2.07 5.41 7.30 9.45 9.14 3.61
Net Debt to EBITDA		 3.83 0.24 0.24 0.31 2.83 0.45 3.75 5.10 6.43 6.25 1.19
Long-Term Debt to EBITDA		 1.99 1.81 1.86 1.76 1.81 2.07 2.42 3.34 4.22 4.00 3.61
Debt to NOPAT		 8.48 2.74 2.81 2.61 5.93 3.24 8.81 13.49 19.77 17.58 6.56
Net Debt to NOPAT		 5.99 0.36 0.36 0.46 4.25 0.71 6.11 9.43 13.44 12.02 2.15
Long-Term Debt to NOPAT		 3.11 2.74 2.81 2.61 2.72 3.24 3.94 6.17 8.83 7.70 6.56
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,315 -98 1,938 2,247 -56 2,383 -2,724 -2,399 -1,826 -1,355 1,725
Operating Cash Flow to CapEx		 734.83% 151.18% 926.75% 1,283.21% 162.40% 667.77% 655.75% 375.30% 536.36% 528.82% 1,390.34%
Free Cash Flow to Firm to Interest Expense		 -49.06 -1.84 72.59 84.15 0.00 44.28 -100.88 -88.21 0.00 -12.52 0.00
Operating Cash Flow to Interest Expense		 14.64 1.92 16.35 26.63 0.00 6.74 12.24 6.82 0.00 2.56 0.00
Operating Cash Flow Less CapEx to Interest Expense		 12.65 0.65 14.58 24.55 0.00 5.73 10.37 5.00 0.00 2.07 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.35 0.35 0.34 0.35 0.34 0.33 0.32 0.33 0.31 0.30 0.30
Fixed Asset Turnover		 16.21 16.34 16.79 16.85 16.51 16.57 16.77 16.86 16.48 16.90 17.78
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 10,918 7,190 7,338 7,086 9,457 6,890 9,142 9,144 9,164 9,090 6,228
Invested Capital Turnover		 1.19 1.69 1.43 1.43 1.22 1.38 1.40 1.34 1.26 1.22 1.44
Increase / (Decrease) in Invested Capital		 1,461 300 -1,804 -2,058 293 -2,200 2,914 2,556 1,940 1,424 -1,718
Enterprise Value (EV)		 14,668 11,170 10,569 9,011 13,113 9,144 10,715 9,821 9,449 9,673 8,168
Market Capitalization		 10,654 10,895 10,300 8,643 9,859 8,691 7,488 6,564 6,207 6,349 7,468
Book Value per Share		 $103.05 $99.57 $101.47 $96.26 $93.66 $91.45 $84.69 $84.40 $83.08 $80.04 $77.03
Tangible Book Value per Share		 $40.58 $38.12 $40.24 $35.22 $33.29 $31.06 $24.43 $23.92 $22.24 $18.68 $17.30
Total Capital		 10,918 7,190 7,338 7,086 9,457 6,890 9,142 9,144 9,164 9,090 6,228
Total Debt		 5,684 2,083 2,083 2,082 4,537 2,081 4,652 4,658 4,768 4,861 2,129
Total Long-Term Debt		 2,084 2,083 2,083 2,082 2,081 2,081 2,080 2,129 2,129 2,130 2,129
Net Debt		 4,014 275 269 369 3,255 453 3,226 3,257 3,242 3,325 700
Capital Expenditures (CapEx)		 53 68 47 55 51 54 50 49 48 52 47
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 5,684 2,083 2,083 2,082 4,537 2,081 4,652 4,658 4,768 4,861 2,129
Total Depreciation and Amortization (D&A)		 57 64 59 51 51 55 46 47 48 42 45
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.86 $3.90 $2.56 $3.59 $4.50 $3.44 $3.55 $2.91 $2.12 $1.32 $0.14
Adjusted Weighted Average Basic Shares Outstanding		 51.28M 52.23M 52.20M 52.50M 52.53M 53.46M 53.54M 53.75M 53.49M 54.37M 53.72M
Adjusted Diluted Earnings per Share		 $2.83 $3.86 $2.55 $3.58 $4.47 $3.39 $3.54 $2.90 $2.12 $1.31 $0.14
Adjusted Weighted Average Diluted Shares Outstanding		 51.73M 52.58M 52.46M 52.72M 52.87M 53.78M 53.75M 53.89M 53.70M 54.78M 54.07M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 50.70M 50.79M 51.29M 51.79M 51.99M 51.98M 52.59M 53.02M 53.15M 52.92M 52.83M
Normalized Net Operating Profit after Tax (NOPAT)		 147 201 134 189 236 183 190 156 114 68 7.30
Normalized NOPAT Margin		 4.77% 6.48% 4.51% 6.45% 8.21% 6.23% 6.92% 5.78% 4.30% 2.57% 0.29%
Pre Tax Income Margin		 5.98% 8.05% 5.11% 7.96% 10.17% 7.74% 8.33% 7.55% 5.57% 3.63% 0.33%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.85 4.66 5.67 8.72 0.00 4.21 8.47 7.51 0.00 0.89 0.00
NOPAT to Interest Expense		 5.47 3.76 5.01 7.07 0.00 3.39 7.04 5.75 0.00 0.63 0.00
EBIT Less CapEx to Interest Expense		 4.86 3.40 3.91 6.65 0.00 3.20 6.61 5.69 0.00 0.41 0.00
NOPAT Less CapEx to Interest Expense		 3.48 2.49 3.25 4.99 0.00 2.38 5.17 3.93 0.00 0.15 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 23.78% 20.51% 20.68% 19.17% 19.95% 23.70% 28.65% 43.70% 62.11% 54.30% 47.19%
Augmented Payout Ratio		 72.34% 60.94% 62.91% 52.14% 51.21% 53.76% 44.23% 79.61% 204.23% 261.39% 312.22%

Frequently Asked Questions About Assurant's Financials

When does Assurant's financial year end?

According to the most recent income statement we have on file, Assurant's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Assurant's net income changed over the last 9 years?

Assurant's net income appears to be on an upward trend, with a most recent value of $760.20 million in 2024, rising from $141.60 million in 2015. The previous period was $642.50 million in 2023. Check out Assurant's forecast to explore projected trends and price targets.

How has Assurant revenue changed over the last 9 years?

Over the last 9 years, Assurant's total revenue changed from $10.33 billion in 2015 to $11.88 billion in 2024, a change of 15.0%.

How much debt does Assurant have?

Assurant's total liabilities were at $29.91 billion at the end of 2024, a 3.8% increase from 2023, and a 17.3% increase since 2015.

How much cash does Assurant have?

In the past 9 years, Assurant's cash and equivalents has ranged from $0.00 in 2017 to $2.21 billion in 2020, and is currently $1.81 billion as of their latest financial filing in 2024.

How has Assurant's book value per share changed over the last 9 years?

Over the last 9 years, Assurant's book value per share changed from 68.71 in 2015 to 99.57 in 2024, a change of 44.9%.


Related Companies

This page (NYSE:AIZ) was last updated on 5/25/2025 by MarketBeat.com Staff
From Our Partners
Gold Hits New Highs as Global Markets Spiral
When Trump took office in 2017, gold was just $1,100 an ounce. By the time he left, it had soared to $1,839. ...
Premier Gold Co | Sponsored
White House to reset Social Security?
Elon Musk's parting DOGE gift looks set to shock America... A single announcement by July 22nd could soon b...
Altimetry | Sponsored
Buffett’s favorite chart just hit 209% – here’s what that means for gold
A Historic Gold Announcement Is About to Rock Wall Street For months, sharp-eyed analysts have watched the ...
Golden Portfolio | Sponsored
A grave, grave error.
I thought what happened 25 years ago was a once- in-a-lifetime event… but how wrong I was. Because here we...
Porter & Company | Sponsored
Is President Trump Lying To You With This?
President Trump’s economic transition isn’t without hardship. But what if there were a smart, tax-free way to ...
Colonial Metals | Sponsored
Trump’s Bitcoin Reserve is No Accident…
Bitcoin's supply is being drained at unprecedented rates, but while most investors focus solely on Bitcoin, th...
Crypto 101 Media | Sponsored
Trump Exec Order 14179 is wealth “gift” to good Americans?
Is President Trump’s Executive Order 14179… A secret way to restore wealth for good citizens? If you’ve ...
Paradigm Press | Sponsored
This Signal Only Flashes Once Every 4 Years – And It Just Triggered
This same signal has appeared twice before in the past 8 years — both times, it kicked off major moves in cryp...
Crypto Swap Profits | Sponsored