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Assurant (AIZ) Financials

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$256.14 +1.32 (+0.52%)
As of 03:58 PM Eastern
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 142 565 520 237 364 422 1,357 277 643 760 873
Consolidated Net Income / (Loss)		 142 565 520 253 387 442 1,362 277 643 760 873
Net Income / (Loss) Continuing Operations		 142 565 520 253 306 519 603 277 643 760 873
Total Pre-Tax Income 		201 849 445 334 455 578 771 350 807 927 1,087
Total Revenue		 10,326 7,445 6,366 7,957 9,569 9,598 10,188 10,193 11,024 11,878 12,814
Net Interest Income / (Expense)		 0.00 -58 -50 -100 0.00 -105 0.00 -108 -108 -107 -110
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 58 50 100 0.00 105 0.00 108 108 107 110
Long-Term Debt Interest Expense		 - 58 50 100 - 105 - 108 108 107 110
Total Non-Interest Income		 10,326 7,502 6,416 8,058 9,569 9,598 10,188 10,193 11,132 11,878 12,814
Other Service Charges		 1,304 1,423 1,383 1,308 1,170 1,042 1,173 1,243 1,323 1,639 1,876
Net Realized & Unrealized Capital Gains on Investments		 658 1,079 525 593 440 277 443 184 421 443 456
Premiums Earned		 8,351 5,007 4,404 6,157 7,959 8,278 8,572 8,765 9,388 9,796 10,483
Total Non-Interest Expense		 10,124 6,603 5,922 7,624 9,114 8,915 9,416 9,843 10,217 10,950 11,727
Property & Liability Insurance Claims		 4,743 1,809 1,871 2,343 2,386 2,275 2,202 2,360 2,522 2,767 2,928
Other Operating Expenses		 3,979 3,443 2,710 2,980 3,460 6,640 7,194 7,366 7,695 8,077 8,688
Other Special Charges		 0.00 - - - 31 - 21 0.90 - 0.00 1.30
Income Tax Expense		 60 283 -75 81 148 59 168 73 164 167 215
Basic Earnings per Share		 $2.08 $9.23 $9.45 $4.00 $5.87 $7.02 $22.95 $5.09 $12.02 $14.55 $17.14
Weighted Average Basic Shares Outstanding		 68.16M 61.26M 54.99M 59.24M 61.94M 60.11M 59.14M 54.37M 52.87M 51.70M 50.47M
Diluted Earnings per Share		 $2.05 $9.13 $9.39 $3.98 $5.84 $6.98 $22.66 $5.05 $11.95 $14.46 $16.93
Weighted Average Diluted Shares Outstanding		 69.02M 61.93M 55.31M 59.55M 62.31M 63.18M 60.12M 54.78M 53.20M 52.05M 51.09M
Weighted Average Basic & Diluted Shares Outstanding		 68.10M 61.30M 55M 59.20M 59.82M 57.90M 55.16M 52.92M 51.98M 50.79M 49.70M
Cash Dividends to Common per Share		 $1.37 $2.03 $2.15 $2.28 $2.43 $2.55 $2.66 $2.74 $2.82 $2.96 $3.28

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 190 183 236 189 134 201 147 235 266 225 274
Consolidated Net Income / (Loss)		 190 183 236 189 134 201 147 235 266 225 274
Net Income / (Loss) Continuing Operations		 190 183 236 189 134 201 147 235 266 225 274
Total Pre-Tax Income 		229 227 293 233 152 250 184 289 331 284 336
Total Revenue		 2,747 2,929 2,853 2,925 2,968 3,105 3,074 3,158 3,232 3,350 3,420
Net Interest Income / (Expense)		 -27 -54 -27 -27 -27 -54 -27 -27 -28 -28 -28
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 27 54 27 27 28 28 28
Long-Term Debt Interest Expense		 27 - 27 27 27 - 27 27 28 28 28
Total Non-Interest Income		 2,774 2,983 2,880 2,925 2,968 3,105 3,074 3,158 3,232 3,350 3,420
Other Service Charges		 310 434 386 375 439 439 403 464 484 525 500
Net Realized & Unrealized Capital Gains on Investments		 106 127 118 105 111 109 109 107 120 120 138
Premiums Earned		 2,357 2,422 2,377 2,445 2,417 2,558 2,562 2,588 2,627 2,706 2,782
Total Non-Interest Expense		 2,518 2,703 2,560 2,692 2,816 2,855 2,890 2,869 2,900 3,067 3,085
Property & Liability Insurance Claims		 645 599 623 696 777 671 780 722 710 717 769
Other Operating Expenses		 1,874 2,104 1,937 1,969 2,013 2,131 2,084 2,121 2,162 2,322 2,287
Income Tax Expense		 39 44 57 44 18 49 37 54 66 58 62
Basic Earnings per Share		 $3.55 $3.44 $4.50 $3.59 $2.56 $3.90 $2.86 $4.60 $5.22 $4.46 $5.47
Weighted Average Basic Shares Outstanding		 53.54M 53.46M 52.53M 52.50M 52.20M 52.23M 50.80M 51.14M 50.83M 50.47M 49.70M
Diluted Earnings per Share		 $3.54 $3.39 $4.47 $3.58 $2.55 $3.86 $2.83 $4.56 $5.17 $4.37 $5.41
Weighted Average Diluted Shares Outstanding		 53.75M 53.78M 52.87M 52.72M 52.46M 52.58M 51.25M 51.57M 51.32M 51.09M 50.20M
Weighted Average Basic & Diluted Shares Outstanding		 52.59M 51.98M 51.99M 51.79M 51.29M 50.79M 50.70M 50.46M 50.08M 49.70M 49.55M
Cash Dividends to Common per Share		 $0.70 - $0.72 $0.72 $0.72 - $0.80 $0.80 $0.80 - $0.88

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -508 -246 -35 292 613 362 -174 -518 91 180 26
Net Cash From Operating Activities		 230 109 530 657 1,413 1,342 782 597 1,138 1,333 1,834
Net Cash From Continuing Operating Activities		 261 109 530 657 1,128 1,114 631 597 1,138 1,333 1,834
Net Income / (Loss) Continuing Operations		 142 565 520 251 383 519 1,362 277 643 760 873
Consolidated Net Income / (Loss)		 142 565 520 251 383 441 1,362 277 643 760 873
Depreciation Expense		 137 125 116 127 126 142 172 182 196 224 250
Non-Cash Adjustments to Reconcile Net Income		 -250 156 1,010 184 -534 273 -1,540 -196 -12 389 162
Changes in Operating Assets and Liabilities, net		 246 -344 -1,011 152 1,154 181 637 334 312 -40 550
Net Cash From Investing Activities		 264 726 -541 -2,203 -620 -735 158 -262 -638 -658 -1,458
Net Cash From Continuing Investing Activities		 -401 726 -541 -2,203 -337 -519 303 -262 -638 -658 -1,458
Purchase of Property, Leasehold Improvements and Equipment		 -115 -85 -62 -83 -110 -121 -187 -186 -203 -221 -236
Purchase of Investment Securities		 -3,024 -4,734 -4,630 -7,644 -3,650 -2,525 -3,333 -3,351 -2,253 -2,534 -3,304
Divestitures		 50 874 0.00 61 0.00 0.00 1,316 4.80 0.00 -5.00 0.00
Sale and/or Maturity of Investments		 2,688 4,671 4,125 5,464 3,423 2,127 2,508 3,271 1,818 2,102 2,082
Net Cash From Financing Activities		 -462 -1,080 -27 1,838 -179 -265 -1,090 -818 -404 -478 -364
Net Cash From Continuing Financing Activities		 -368 -1,080 -27 1,838 -179 -265 -1,090 -818 -404 -478 -364
Issuance of Debt		 0.00 250 304 2,766 934 444 347 0.00 173 0.00 298
Repayment of Debt		 0.00 -373 -221 -942 -699 -201 -420 -76 -225 0.00 -176
Repurchase of Common Equity		 -293 -863 -389 -139 -252 -307 -839 -573 -193 -307 -304
Payment of Dividends		 - -125 -119 -148 -170 -173 -162 -150 -152 -156 -168
Other Financing Activities, Net		 -75 32 398 9.30 7.50 -27 -16 -20 -6.70 -14 -14
Effect of Exchange Rate Changes		 - - 2.30 - -1.60 20 -24 -35 -5.80 -17 15

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 24 202 -346 431 100 -5.70 -138 -183 226 122 -242
Net Cash From Operating Activities		 331 363 83 711 437 103 392 266 505 671 240
Net Cash From Continuing Operating Activities		 331 363 83 711 437 103 392 266 505 671 240
Net Income / (Loss) Continuing Operations		 190 183 236 189 134 201 147 235 266 225 274
Consolidated Net Income / (Loss)		 190 183 236 189 134 201 147 235 266 225 274
Depreciation Expense		 46 55 51 51 59 64 57 59 62 72 67
Non-Cash Adjustments to Reconcile Net Income		 36 -74 60 -17 207 139 73 -298 69 317 78
Changes in Operating Assets and Liabilities, net		 59 199 -264 488 37 -301 116 269 108 57 -178
Net Cash From Investing Activities		 -157 3.10 -328 -193 -207 71 -422 -363 -270 -404 -282
Net Cash From Continuing Investing Activities		 -157 3.10 -328 -193 -207 71 -422 -363 -270 -404 -282
Purchase of Property, Leasehold Improvements and Equipment		 -50 -54 -51 -55 -47 -68 -53 -60 -63 -59 -48
Purchase of Investment Securities		 -581 -764 -743 -516 -681 -524 -894 -916 -698 -807 -873
Divestitures		 - - - - - - 0.00 - - - 1.40
Sale and/or Maturity of Investments		 475 821 465 378 521 668 525 613 492 463 637
Net Cash From Financing Activities		 -142 -162 -96 -81 -141 -160 -119 -104 -5.00 -136 -203
Net Cash From Continuing Financing Activities		 -142 -162 -96 -81 -141 -160 -119 -104 -5.00 -136 -203
Repurchase of Common Equity		 -49 -126 -46 -42 -99 -120 -64 -63 -82 -94 -124
Payment of Dividends		 -37 -39 -37 -40 -38 -41 -41 -43 -41 -44 -44
Other Financing Activities, Net		 -5.10 2.50 -13 0.70 -3.90 1.70 -14 1.70 -4.30 2.30 -34
Effect of Exchange Rate Changes		 -8.40 -1.60 -3.60 -5.50 12 -20 9.80 19 -4.70 -9.40 2.20

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 30,036 29,709 4,427 41,089 44,291 44,650 33,921 33,117 33,635 35,021 36,290
Cash and Due from Banks		 1,288 1,032 - 1,254 1,867 2,208 2,041 1,537 1,627 1,808 1,834
Trading Account Securities		 10,715 9,994 - 11,636 12,711 7,106 7,661 6,565 7,135 7,384 8,785
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		 130 110 - 126 131 67 62 85 97 131 135
Premises and Equipment, Net		 298 344 - 393 434 446 561 645 686 768 842
Mortgage Servicing Rights		 1,151 624 - 760 815 138 257 296 329 343 325
Unearned Premiums Asset		 1,261 1,218 - 1,644 1,693 1,549 1,943 2,406 2,266 2,054 1,989
Deferred Acquisition Cost		 3,151 3,267 3,485 5,103 6,668 7,388 8,811 9,677 9,967 9,993 10,188
Goodwill		 834 831 918 2,322 2,343 2,589 2,572 2,603 2,609 2,616 2,646
Intangible Assets		 277 240 - 622 540 696 719 639 567 536 522
Other Assets		 9,133 10,357 24 15,621 13,229 22,451 9,295 8,664 8,353 9,390 9,024
Total Liabilities & Shareholders' Equity		 30,036 29,709 3,782 41,089 44,291 44,650 33,921 33,117 33,635 35,021 36,290
Total Liabilities		 25,512 25,611 3,782 35,955 38,609 38,695 28,457 28,889 28,826 29,914 30,418
Short-Term Debt		 - - - - - - - 2,732 - 3,331 3,766
Long-Term Debt		 1,165 1,067 - 2,006 2,007 2,253 2,203 2,130 2,081 2,083 2,207
Claims and Claim Expense		 3,897 3,301 3,782 2,814 2,688 1,610 1,605 2,210 1,989 2,914 2,101
Future Policy Benefits		 9,467 10,113 - 9,241 9,807 1,359 413 508 487 537 56
Unearned Premiums Liability		 6,424 6,627 - 15,648 16,604 17,293 18,624 19,802 20,110 20,211 20,881
Other Long-Term Liabilities		 713 825 - 2,397 3,977 13,528 2,568 1,507 1,366 837 1,407
Commitments & Contingencies		 0.00 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 4,524 4,098 0.00 5,134 5,682 5,955 5,464 4,229 4,810 5,107 5,872
Total Preferred & Common Equity		 4,524 4,098 0.00 5,112 5,653 5,951 5,464 4,229 4,810 5,107 5,872
Total Common Equity		 4,524 4,098 0.00 5,109 5,650 5,949 5,464 4,229 4,810 5,107 5,872
Common Stock		 3,150 3,177 - 4,497 4,539 1,957 1,696 1,638 1,669 1,687 1,712
Retained Earnings		 4,857 5,297 - 5,760 5,966 3,549 4,041 3,699 4,028 4,378 4,826
Treasury Stock		 -3,601 -4,471 - -4,992 -5,267 -267 -123 -123 -123 -123 -123
Accumulated Other Comprehensive Income / (Loss)		 119 95 - -155 412 710 -150 -986 -765 -836 -544

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 33,105 33,209 33,635 33,225 33,773 35,332 35,021 34,988 35,526 35,782 35,769
Cash and Due from Banks		 1,402 1,425 1,627 1,282 1,713 1,813 1,808 1,670 1,487 1,713 1,592
Trading Account Securities		 6,877 6,787 7,135 7,458 7,435 7,816 7,384 7,830 8,280 8,509 8,981
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		 91 94 97 97 120 120 131 139 124 121 119
Premises and Equipment, Net		 643 664 686 706 733 742 768 786 812 831 849
Mortgage Servicing Rights		 303 322 329 333 330 329 343 346 330 328 310
Unearned Premiums Asset		 2,342 2,410 2,266 2,003 1,815 1,783 2,054 1,843 1,931 1,916 2,025
Deferred Acquisition Cost		 9,819 9,904 9,967 9,979 10,041 10,084 9,993 9,960 10,139 10,131 10,201
Goodwill		 2,606 2,605 2,609 2,609 2,618 2,625 2,616 2,621 2,631 2,650 2,655
Intangible Assets		 608 590 567 563 555 546 536 553 530 528 511
Other Assets		 8,414 8,408 8,353 8,198 8,413 9,474 9,390 9,241 9,264 9,057 8,526
Total Liabilities & Shareholders' Equity		 33,105 33,209 33,635 33,225 33,773 35,332 35,021 34,988 35,526 35,782 35,769
Total Liabilities		 28,619 28,718 28,826 28,305 28,769 30,077 29,914 29,754 30,027 30,024 29,899
Short-Term Debt		 2,529 2,572 - 2,455 - - - 3,600 - 3,612 3,673
Long-Term Debt		 2,129 2,080 2,081 2,081 2,082 2,083 2,083 2,084 2,084 2,206 2,208
Claims and Claim Expense		 2,020 2,011 1,989 2,015 2,115 3,049 2,914 2,570 2,351 2,212 2,169
Future Policy Benefits		 523 511 487 522 512 504 537 507 512 510 55
Unearned Premiums Liability		 19,931 20,120 20,110 20,031 20,245 20,400 20,211 20,133 20,497 20,609 20,903
Other Long-Term Liabilities		 1,486 1,425 1,366 1,201 1,303 1,296 1,331 861 865 874 893
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		 4,486 4,491 4,810 4,920 5,004 5,255 5,107 5,234 5,499 5,759 5,869
Total Preferred & Common Equity		 4,486 4,491 4,810 4,920 5,004 5,255 5,107 5,234 5,499 5,759 5,869
Total Common Equity		 4,486 4,491 4,810 4,920 5,004 5,255 5,107 5,234 5,499 5,759 5,869
Common Stock		 1,654 1,674 1,669 1,660 1,670 1,684 1,687 1,674 1,685 1,702 1,672
Retained Earnings		 3,877 3,991 4,028 4,194 4,310 4,322 4,378 4,431 4,571 4,726 4,949
Treasury Stock		 -123 -123 -123 -123 -123 -123 -123 -123 -123 -123 -123
Accumulated Other Comprehensive Income / (Loss)		 -923 -1,051 -765 -811 -853 -627 -836 -749 -635 -547 -629

Annual Metrics And Ratios for Assurant

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.08 $9.23 $9.45 $4.00 $5.87 $7.04 $23.13 $5.09 $12.02 $14.55 $17.14
Adjusted Weighted Average Basic Shares Outstanding		 68.16M 61.26M 54.99M 59.24M 61.94M 60.11M 59.14M 54.37M 53.46M 52.23M 50.47M
Adjusted Diluted Earnings per Share		 $2.05 $9.13 $9.39 $3.98 $5.84 $6.99 $22.83 $5.05 $11.95 $14.46 $16.93
Adjusted Weighted Average Diluted Shares Outstanding		 69.02M 61.93M 55.31M 59.55M 62.31M 63.18M 60.12M 54.78M 53.78M 52.58M 51.09M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $5.87 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 64.78M 55.64M 52.48M 61.70M 59.82M 57.90M 55.16M 52.92M 51.98M 50.79M 49.70M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Assurant

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 49,699,769.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 49,699,769.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 5.52
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.82% 10.43% 8.98% 8.15% 8.03% 5.99% 7.73% 7.98% 8.89% - 11.26%
EBITDA Growth		 415.38% 104.06% 75.97% 12.68% -23.55% 11.39% -30.01% 22.79% 87.38% - 67.26%
EBIT Growth		 2,591.76% 135.31% 99.12% 14.00% -33.79% 10.33% -37.28% 24.09% 118.61% - 82.69%
NOPAT Growth		 2,504.11% 167.99% 108.10% 20.73% -29.62% 10.30% -37.99% 24.70% 98.51% - 86.97%
Net Income Growth		 2,504.11% 167.99% 108.10% 20.73% -29.62% 10.30% -37.99% 24.70% 98.51% - 86.97%
EPS Growth		 2,428.57% 158.78% 110.85% 23.45% -27.97% 13.86% -36.69% 27.37% 102.75% - 91.17%
Operating Cash Flow Growth		 -48.99% 30.86% -68.22% 283.44% 32.07% -71.65% 375.64% -62.65% 15.69% - -38.76%
Free Cash Flow Firm Growth		 -257.86% 275.78% 96.93% 193.64% 171.15% -104.13% -2,243.49% -111.64% -305.04% - 57.60%
Invested Capital Growth		 46.79% -24.20% 3.19% -22.51% -19.74% 4.35% 15.45% 7.01% 57.77% - 7.62%
Revenue Q/Q Growth		 1.58% 6.64% -4.33% 1.56% 1.46% 4.62% -0.99% 2.75% 2.31% - 2.08%
EBITDA Q/Q Growth		 9.22% 2.58% 21.90% -17.50% -25.90% 49.48% -23.42% 44.76% 13.07% - 13.11%
EBIT Q/Q Growth		 11.99% -0.96% 29.26% -20.48% -34.95% 65.02% -26.52% 57.32% 14.60% - 18.38%
NOPAT Q/Q Growth		 21.63% -4.00% 29.53% -20.18% -29.09% 50.45% -27.17% 60.50% 12.88% - 21.71%
Net Income Q/Q Growth		 21.63% -4.00% 29.53% -20.18% -29.09% 50.45% -27.17% 60.50% 12.88% - 21.71%
EPS Q/Q Growth		 22.07% -4.24% 31.86% -19.91% -28.77% 51.37% -26.68% 61.13% 13.38% - 23.80%
Operating Cash Flow Q/Q Growth		 78.26% 9.71% -77.25% 761.70% -38.60% -76.45% 281.71% -32.34% 90.21% - -64.19%
Free Cash Flow Firm Q/Q Growth		 -13.52% 187.47% 86.32% 4,104.99% -13.74% -105.08% -1,236.08% 80.11% -1,419.62% - 49.26%
Invested Capital Q/Q Growth		 -0.02% -24.63% -2.34% -25.07% 3.55% -2.02% 51.85% -30.55% 52.68% - -0.81%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 10.00% 9.62% 11.93% 9.69% 7.08% 10.11% 7.82% 11.02% 12.18% - 11.76%
EBIT Margin		 8.33% 7.74% 10.17% 7.96% 5.11% 8.05% 5.98% 9.15% 10.25% - 9.81%
Profit (Net Income) Margin		 6.92% 6.23% 8.21% 6.45% 4.51% 6.48% 4.77% 7.45% 8.22% - 8.01%
Tax Burden Percent		 83.09% 80.54% 80.71% 81.02% 88.32% 80.52% 79.80% 81.42% 80.19% - 81.67%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 16.91% 19.46% 19.29% 18.98% 11.68% 19.48% 20.20% 18.58% 19.81% - 18.33%
Return on Invested Capital (ROIC)		 9.68% 8.60% 10.02% 9.21% 6.46% 10.94% 5.66% 12.53% 10.95% - 9.31%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.68% 8.60% 10.02% 9.21% 6.46% 10.94% 5.66% 12.53% 10.95% - 9.31%
Return on Net Nonoperating Assets (RNNOA)		 7.64% 6.60% 10.01% 6.54% 4.46% 4.59% 5.70% 4.97% 7.85% - 9.69%
Return on Equity (ROE)		 17.32% 15.20% 20.03% 15.76% 10.93% 15.53% 11.36% 17.49% 18.80% - 19.00%
Cash Return on Invested Capital (CROIC)		 -31.04% 35.58% 5.08% 35.19% 30.89% 6.54% -7.76% 3.00% -35.85% - 1.49%
Operating Return on Assets (OROA)		 2.69% 2.55% 3.50% 2.76% 1.76% 2.79% 2.12% 3.26% 3.63% - 3.65%
Return on Assets (ROA)		 2.24% 2.06% 2.82% 2.24% 1.55% 2.24% 1.69% 2.65% 2.91% - 2.98%
Return on Common Equity (ROCE)		 17.32% 15.20% 20.03% 15.76% 10.93% 15.53% 11.36% 17.49% 18.80% - 19.00%
Return on Equity Simple (ROE_SIMPLE)		 11.76% 0.00% 15.55% 15.94% 14.11% 0.00% 12.81% 13.04% 14.74% - 17.04%
Net Operating Profit after Tax (NOPAT)		 190 183 236 189 134 201 147 235 266 - 274
NOPAT Margin		 6.92% 6.23% 8.21% 6.45% 4.51% 6.48% 4.77% 7.45% 8.22% - 8.01%
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%
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		 91.67% 92.26% 89.83% 92.04% 94.90% 91.95% 94.02% 90.85% 89.75% - 90.19%
Earnings before Interest and Taxes (EBIT)		 229 227 293 233 152 250 184 289 331 - 336
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 275 282 344 283 210 314 240 348 394 - 402
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.67 1.81 2.00 1.73 1.96 2.13 2.04 1.82 1.90 - 1.84
Price to Tangible Book Value (P/TBV)		 5.78 5.32 5.64 4.72 4.94 5.57 5.17 4.28 4.23 - 4.00
Price to Revenue (P/Rev)		 0.70 0.79 0.87 0.75 0.87 0.92 0.88 0.81 0.87 - 0.82
Price to Earnings (P/E)		 14.18 13.53 12.88 10.83 13.89 14.33 15.89 13.97 12.88 - 10.82
Dividend Yield		 1.98% 1.71% 1.89% 1.72% 1.45% 1.39% 1.45% 1.58% 1.48% - 1.54%
Earnings Yield		 7.05% 7.39% 7.76% 9.23% 7.20% 6.98% 6.29% 7.16% 7.77% - 9.24%
Enterprise Value to Invested Capital (EV/IC)		 1.17 1.33 1.39 1.27 1.44 1.55 1.34 1.40 1.30 - 1.29
Enterprise Value to Revenue (EV/Rev)		 1.00 0.83 1.15 0.78 0.89 0.94 1.21 0.86 1.19 - 1.15
Enterprise Value to EBITDA (EV/EBITDA)		 12.47 9.11 11.39 7.61 9.45 9.71 14.00 9.54 11.60 - 10.08
Enterprise Value to EBIT (EV/EBIT)		 15.84 11.33 13.77 9.18 11.69 12.05 17.93 12.14 14.27 - 12.20
Enterprise Value to NOPAT (EV/NOPAT)		 20.29 14.23 17.13 11.30 14.26 14.69 21.88 14.80 17.71 - 15.11
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.18 8.03 13.65 6.06 6.64 8.38 8.93 8.86 11.88 - 8.99
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 3.22 27.74 3.16 4.15 24.26 0.00 48.19 0.00 - 89.59
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.04 0.43 0.92 0.42 0.40 0.41 1.09 0.38 1.01 - 1.00
Long-Term Debt to Equity		 0.46 0.43 0.42 0.42 0.40 0.41 0.40 0.38 0.38 - 0.38
Financial Leverage		 0.79 0.77 1.00 0.71 0.69 0.42 1.01 0.40 0.72 - 1.04
Leverage Ratio		 7.74 7.39 7.10 7.05 7.03 6.92 6.72 6.60 6.46 - 6.37
Compound Leverage Factor		 7.74 7.39 7.10 7.05 7.03 6.92 6.72 6.60 6.46 - 6.37
Debt to Total Capital		 50.88% 30.20% 47.97% 29.38% 28.38% 28.97% 52.06% 27.49% 50.26% - 50.05%
Short-Term Debt to Total Capital		 28.13% 0.00% 25.96% 0.00% 0.00% 0.00% 32.97% 0.00% 31.20% - 31.26%
Long-Term Debt to Total Capital		 22.75% 30.20% 22.01% 29.38% 28.38% 28.97% 19.09% 27.49% 19.06% - 18.79%
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%
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%
Common Equity to Total Capital		 49.12% 69.80% 52.03% 70.62% 71.62% 71.03% 47.94% 72.51% 49.74% - 49.95%
Debt to EBITDA		 5.41 2.07 3.94 1.76 1.86 1.81 5.42 1.87 4.49 - 3.92
Net Debt to EBITDA		 3.75 0.45 2.83 0.31 0.24 0.24 3.83 0.54 3.17 - 2.86
Long-Term Debt to EBITDA		 2.42 2.07 1.81 1.76 1.86 1.81 1.99 1.87 1.70 - 1.47
Debt to NOPAT		 8.81 3.24 5.93 2.61 2.81 2.74 8.48 2.91 6.86 - 5.88
Net Debt to NOPAT		 6.11 0.71 4.25 0.46 0.36 0.36 5.99 0.83 4.84 - 4.29
Long-Term Debt to NOPAT		 3.94 3.24 2.72 2.61 2.81 2.74 3.11 2.91 2.60 - 2.21
Noncontrolling Interest Sharing Ratio		 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)		 -2,724 2,383 -56 2,247 1,938 -98 -1,315 -262 -3,974 - -557
Operating Cash Flow to CapEx		 655.75% 667.77% 162.40% 1,283.21% 926.75% 151.18% 734.83% 443.24% 802.86% - 503.77%
Free Cash Flow to Firm to Interest Expense		 -100.88 44.28 0.00 84.15 72.59 -1.84 -49.06 -9.79 -142.43 - -19.70
Operating Cash Flow to Interest Expense		 12.24 6.74 0.00 26.63 16.35 1.92 14.64 9.94 18.10 - 8.49
Operating Cash Flow Less CapEx to Interest Expense		 10.37 5.73 0.00 24.55 14.58 0.65 12.65 7.70 15.85 - 6.81
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.32 0.33 0.34 0.35 0.34 0.35 0.35 0.36 0.35 - 0.37
Fixed Asset Turnover		 16.77 16.57 16.51 16.85 16.79 16.34 16.21 15.97 16.01 - 16.10
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 9,142 6,890 9,457 7,086 7,338 7,190 10,918 7,583 11,577 - 11,749
Invested Capital Turnover		 1.40 1.38 1.22 1.43 1.43 1.69 1.19 1.68 1.33 - 1.16
Increase / (Decrease) in Invested Capital		 2,914 -2,200 293 -2,058 -1,804 300 1,461 497 4,239 - 832
Enterprise Value (EV)		 10,715 9,144 13,113 9,011 10,569 11,170 14,668 10,611 15,036 - 15,113
Market Capitalization		 7,488 8,691 9,859 8,643 10,300 10,895 10,654 10,013 10,929 - 10,825
Book Value per Share		 $84.69 $91.45 $93.66 $96.26 $101.47 $99.57 $103.05 $108.45 $114.12 - $118.10
Tangible Book Value per Share		 $24.43 $31.06 $33.29 $35.22 $40.24 $38.12 $40.58 $46.11 $51.16 - $54.40
Total Capital		 9,142 6,890 9,457 7,086 7,338 7,190 10,918 7,583 11,577 - 11,749
Total Debt		 4,652 2,081 4,537 2,082 2,083 2,083 5,684 2,084 5,819 - 5,880
Total Long-Term Debt		 2,080 2,081 2,081 2,082 2,083 2,083 2,084 2,084 2,206 - 2,208
Net Debt		 3,226 453 3,255 369 269 275 4,014 598 4,106 - 4,288
Capital Expenditures (CapEx)		 50 54 51 55 47 68 53 60 63 - 48
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 4,652 2,081 4,537 2,082 2,083 2,083 5,684 2,084 5,819 - 5,880
Total Depreciation and Amortization (D&A)		 46 55 51 51 59 64 57 59 62 - 67
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.55 $3.44 $4.50 $3.59 $2.56 $3.90 $2.86 $4.60 $5.22 $4.46 $5.47
Adjusted Weighted Average Basic Shares Outstanding		 53.54M 53.46M 52.53M 52.50M 52.20M 52.23M 51.28M 51.14M 50.83M 50.47M 49.70M
Adjusted Diluted Earnings per Share		 $3.54 $3.39 $4.47 $3.58 $2.55 $3.86 $2.83 $4.56 $5.17 $4.37 $5.41
Adjusted Weighted Average Diluted Shares Outstanding		 53.75M 53.78M 52.87M 52.72M 52.46M 52.58M 51.73M 51.57M 51.32M 51.09M 50.20M
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		 52.59M 51.98M 51.99M 51.79M 51.29M 50.79M 50.70M 50.46M 50.08M 49.70M 49.55M
Normalized Net Operating Profit after Tax (NOPAT)		 190 183 236 189 134 201 147 235 267 - 274
Normalized NOPAT Margin		 6.92% 6.23% 8.21% 6.45% 4.51% 6.48% 4.77% 7.45% 8.25% - 8.01%
Pre Tax Income Margin		 8.33% 7.74% 10.17% 7.96% 5.11% 8.05% 5.98% 9.15% 10.25% - 9.81%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 8.47 4.21 0.00 8.72 5.67 4.66 6.85 10.82 11.87 - 11.86
NOPAT to Interest Expense		 7.04 3.39 0.00 7.07 5.01 3.76 5.47 8.81 9.52 - 9.69
EBIT Less CapEx to Interest Expense		 6.61 3.20 0.00 6.65 3.91 3.40 4.86 8.58 9.62 - 10.17
NOPAT Less CapEx to Interest Expense		 5.17 2.38 0.00 4.99 3.25 2.49 3.48 6.57 7.27 - 8.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 28.65% 23.70% 19.95% 19.17% 20.68% 20.51% 23.78% 22.62% 19.47% - 17.15%
Augmented Payout Ratio		 44.23% 53.76% 51.21% 52.14% 62.91% 60.94% 72.34% 71.06% 58.32% - 53.50%

Financials Breakdown Chart

Key Financial Trends

Assurant, Inc. (AIZ) has shown improving profitability and stronger cash generation in 2025, with earnings per share rising, cash flow from operations expanding, and a steady dividend policy. Below are the standout trends from the last four years of quarterly statements, aimed at helping retail investors gauge the company’s trajectory.

  • Diluted earnings per share (EPS) climbed to $4.37 in Q4 2025, up from $3.86 in Q4 2024, signaling higher profitability on a per-share basis.
  • Net income attributable to common shareholders rose to $225.2M in Q4 2025 versus $201.3M in Q4 2024, reflecting improved quarterly profitability.
  • Cash flow from operating activities surged to $671M in Q4 2025 (vs. $505M in Q3 2025 and $102.8M in Q4 2024), indicating stronger core cash generation late in 2025.
  • Estimated free cash flow around $612M in Q4 2025 (roughly CFO $671M minus capex of about $59M), suggesting ample cash for debt repayment, buybacks, or dividends.
  • Total revenue rose through 2025, reaching about $3.350B in Q4 2025, up from around $3.073B in Q1 2025, reflecting a healthier top-line trend.
  • Premiums earned remained robust at about $2.706B in Q4 2025, supporting steady non-interest income and overall revenue generation.
  • Dividend per share maintained at $0.80 across 2025 quarters, signaling a stable and predictable cash-return policy for shareholders.
  • Liquidity position appears solid with cash and cash equivalents around $1.71B and total assets near $35.8B (Q3–Q4 2025), providing runway for ongoing operations and capital initiatives.
  • Net realized and unrealized capital gains on investments stayed positive at roughly $120M in recent quarters, contributing to non-operating income tailwinds.
  • Debt mix and reserves are sizable but stable, with long-term debt around $2.21B and short-term debt around $3.61B (Q3–Q4 2025), and total liabilities near $30B, indicating a steady capital structure.
  • Large unearned premiums liability (~$20.0B) on the balance sheet highlights substantial policy liabilities that could pressure earnings if claims or assumptions shift materially.
  • Total liabilities (~$30.0B) far exceed total equity (~$5.8B), implying a relatively high leverage position for an insurer and potential sensitivities to economic or underwriting shocks.
05/26/26 08:13 PM ETAI Generated. May Contain Errors.

Assurant Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Assurant's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Assurant's net income appears to be on an upward trend, with a most recent value of $872.70 million in 2025, rising from $141.60 million in 2015. The previous period was $760.20 million in 2024. Find out what analysts predict for Assurant in the coming months.

Over the last 10 years, Assurant's total revenue changed from $10.33 billion in 2015 to $12.81 billion in 2025, a change of 24.1%.

Assurant's total liabilities were at $30.42 billion at the end of 2025, a 1.7% increase from 2024, and a 19.2% increase since 2015.

In the past 10 years, Assurant's cash and equivalents has ranged from $0.00 in 2017 to $2.21 billion in 2020, and is currently $1.83 billion as of their latest financial filing in 2025.


Related Companies

Financial statements for NYSE:AIZ last updated on 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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