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AIZAssurant, Inc.
$259.86$12.9B
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AIZ logoAssurant, Inc.(AIZ)Earnings, Financials & Key Ratios

AIZ•NYSE•Insurance & Managed Care
14.9× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustrySpecialty InsuranceSub-IndustrySpecialty Personal and Pet Insurance
AboutAssurant, Inc., together with its subsidiaries, provides lifestyle and housing solutions that support, protect, and connect consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company operates through two segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service products and related services for mobile devices, consumer electronics, and appliances; vehicle protection and related services; and credit protection and other insurance products. The Global Housing segment provides lender-placed homeowners insurance, manufactured housing, and flood insurance; and renters insurance and related products, as well as voluntary manufactured housing insurance, voluntary homeowners insurance, and other specialty products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in New York, New York.Show more
  • Revenue$12.81B+7.9%
  • Combined Ratio91.51%-0.7%
  • Net Income$873M+14.8%
  • Return on Equity15.9%+3.7%
  • Medical Cost Ratio22.85%-1.9%
  • Operating Margin8.49%+8.7%
  • Net Margin6.81%+6.4%
  • ROA2.45%+10.5%
  • Equity / Assets16.18%+11.0%

AIZ Key Insights

Assurant, Inc. (AIZ) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 91.5% combined ratio
  • ✓Strong Piotroski F-Score: 7/9
  • ✓22 consecutive years of dividend growth
  • ✓Low loss ratio of 22.8%
  • ✓Good 3Y average ROE of 15.1%
  • ✓Share count reduced 4.5% through buybacks

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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AIZ Price & Volume

Assurant, Inc. (AIZ) stock price & volume — 10-year historical chart

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AIZ Growth Metrics

Assurant, Inc. (AIZ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years2.2%
5 Years5.92%
3 Years7.93%
TTM9.02%

Profit CAGR

10 Years19.95%
5 Years14.64%
3 Years46.67%
TTM49.19%

EPS CAGR

10 Years23.84%
5 Years21.02%
3 Years51.01%
TTM53.39%

Return on Capital

10 Years4.17%
5 Years6.78%
3 Years8.75%
Last Year9.27%

AIZ Recent Earnings

Assurant, Inc. (AIZ) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
May 5, 2026
Metric
Actual
Est
EPS
$5.95+12.5%
$5.29
Rev
$3.4B+3.9%
$3.3B
Q1 2026
Feb 10, 2026
Metric
Actual
Est
EPS
$5.61+1.1%
$5.55
Rev
$3.4B+1.3%
$3.3B
Q4 2025
Nov 4, 2025
Metric
Actual
Est
EPS
$5.73+30.5%
$4.39
Rev
$3.2B+1.4%
$3.2B
Q3 2025
Aug 5, 2025
Metric
Actual
Est
EPS
$5.56+25.5%
$4.43
Rev
$3.2B-0.2%
$3.2B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$5.95vs $5.29+12.5%
$3.4Bvs $3.3B+3.9%
Q1 2026Feb 10, 2026
$5.61vs $5.55+1.1%
$3.4Bvs $3.3B+1.3%
Q4 2025Nov 4, 2025
$5.73vs $4.39+30.5%
$3.2Bvs $3.2B+1.4%
Q3 2025Aug 5, 2025
$5.56vs $4.43+25.5%
$3.2Bvs $3.2B-0.2%
Based on last 12 quarters of dataView full earnings history →

AIZ Peer Comparison

Assurant, Inc. (AIZ) competitors in Specialty Personal and Pet Insurance — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
PRU logoPRUPrudential Financial, Inc.Direct Competitor37.05B106.5310.42-14.01%5.62%10.26%0.65
MET logoMETMetLife, Inc.Direct Competitor55.8B85.5817.8310.22%4.7%12.72%0.70
AFL logoAFLAflac IncorporatedDirect Competitor59.49B115.4716.91-8.84%21%13.05%0.29
CNO logoCNOCNO Financial Group, Inc.Direct Competitor4.76B50.8321.630.94%4.94%8.6%1.54
GL logoGLGlobe Life Inc.Direct Competitor13.4B170.7612.153.82%19.36%20.64%0.44
HIG logoHIGThe Hartford Financial Services Group, Inc.Direct Competitor35.27B128.259.637.1%14.13%22.01%0.23
ESNT logoESNTEssent Group Ltd.Product Competitor5.39B58.458.47-0.49%53.34%12.01%0.09
NMIH logoNMIHNMI Holdings, Inc.Product Competitor2.85B37.487.628.39%55.07%15.8%0.16

Compare AIZ vs Peers

Assurant, Inc. (AIZ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PRU

Most directly comparable listed peer for AIZ.

Scale Benchmark

vs AAPL

Larger-name benchmark to compare AIZ against a more recognizable public peer.

Peer Set

Compare Top 5

vs PRU, MET, AFL, CNO

AIZ Income Statement

Assurant, Inc. (AIZ) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
6.31B8B9.53B9.61B10.19B10.19B11.13B11.88B12.81B13.16B
Revenue Growth %
-11.21%26.77%19.11%0.85%6%0.05%9.21%6.7%7.89%9.02%
Medical Costs & Claims
3.21B4.64B5.62B5.95B6.04B2.36B2.52B2.77B2.93B2.92B
Medical Cost Ratio %
50.87%58.04%59%61.88%59.27%23.15%22.65%23.29%22.85%22.17%
Gross Profit
3.1B▲ 0%
3.36B▲ 8.3%
3.91B▲ 16.4%
3.66B▼ 6.2%
4.15B▲ 13.3%
7.83B▲ 88.8%
8.61B▲ 9.9%
9.11B▲ 5.8%
9.89B▲ 8.5%
10.24B▲ 0%
Gross Margin %
49.13%41.96%41%38.12%40.73%76.85%77.35%76.71%77.15%77.83%
Gross Profit Growth %
-56.38%8.28%16.37%-6.24%13.28%88.76%9.91%5.82%8.51%-
Operating Expenses
2.66B3.02B3.45B3.09B3.38B7.48B7.8B8.18B8.8B9B
OpEx / Revenue %
42.08%37.79%36.23%32.1%33.16%73.42%70.1%68.9%68.67%68.42%
Depreciation & Amortization
115.7M126.9M125.5M142.3M171.6M182M196.4M223.5M250M193.3M
Combined Ratio %
92.96%95.83%95.23%93.98%92.43%96.57%92.75%92.19%91.51%90.58%
Operating Income
444.5M▲ 0%
333.5M▼ 25.0%
454.7M▲ 36.3%
578.1M▲ 27.1%
771.3M▲ 33.4%
349.9M▼ 54.6%
806.8M▲ 130.6%
927.3M▲ 14.9%
1.09B▲ 17.3%
1.24B▲ 0%
Operating Margin %
7.04%4.17%4.77%6.02%7.57%3.43%7.25%7.81%8.49%9.42%
Operating Income Growth %
-50.95%-24.97%36.34%27.14%33.42%-54.63%130.58%14.94%17.27%-
EBITDA
560.2M460.4M580.2M720.4M942.9M531.9M1B1.15B1.34B1.43B
EBITDA Margin %
8.88%5.75%6.09%7.5%9.26%5.22%9.01%9.69%10.44%10.89%
Interest Expense
49.5M100.3M110.6M104.5M111.8M108.3M108M107M109.7M111.2M
Non-Operating Income
-49.5M-100.3M-110.6M-104.5M-111.8M-108.3M-108M-107M-109.7M-111.2M
Pretax Income
444.5M▲ 0%
333.5M▼ 25.0%
454.7M▲ 36.3%
578.1M▲ 27.1%
771.3M▲ 33.4%
349.9M▼ 54.6%
806.8M▲ 130.6%
927.3M▲ 14.9%
1.09B▲ 17.3%
1.24B▲ 0%
Pretax Margin %
7.04%4.17%4.77%6.02%7.57%3.43%7.25%7.81%8.49%9.42%
Income Tax
-75.1M80.9M148.3M58.7M168.4M73.3M164.3M167.1M214.7M239.1M
Effective Tax Rate %
-16.9%24.26%32.61%10.15%21.83%20.95%20.36%18.02%19.74%19.29%
Net Income
519.6M▲ 0%
251M▼ 51.7%
382.6M▲ 52.4%
440.8M▲ 15.2%
1.36B▲ 208.9%
276.6M▼ 79.7%
642.5M▲ 132.3%
760.2M▲ 18.3%
872.7M▲ 14.8%
1B▲ 0%
Net Margin %
8.23%3.14%4.01%4.59%13.37%2.71%5.77%6.4%6.81%7.6%
Net Income Growth %
-8.09%-51.69%52.43%15.21%208.94%-79.69%132.28%18.32%14.8%49.19%
EPS (Diluted)
9.39▲ 0%
4.22▼ 55.1%
6.14▲ 45.5%
6.70▲ 9.1%
10.20▲ 52.2%
5.05▼ 50.5%
11.95▲ 136.6%
14.46▲ 21.0%
17.39▲ 20.3%
19.93▲ 0%
EPS Growth %
2.85%-55.06%45.5%9.12%52.24%-50.49%136.63%21%20.26%53.39%
EPS (Basic)
9.454.246.187.0410.375.0912.0214.5517.29-
Diluted Shares Outstanding
55.31M59.55M62.31M63.18M60.12M54.78M53.78M52.58M50.2M50.2M

AIZ Balance Sheet

Assurant, Inc. (AIZ) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
31.84B41.09B44.29B44.65B33.92B33.12B33.64B35.02B36.29B33.55B
Asset Growth %
7.18%29.04%7.79%0.81%-24.03%-2.37%1.56%4.12%3.62%5.96%
Total Investment Assets
12.3B15.09B16.59B8.22B8.67B7.52B8.22B8.54B10.06B4M
Long-Term Investments
11.06B13.69B15.13B7.4B1.21B1.09B6.11B1.09B7.34B33.28B
Short-Term Investments
9.95B11.63B12.72B7.11B7.46B6.44B2.11B7.46B2.72B8.78B
Total Current Assets
000017.69B17.47B12.75B19.03B13.15B12.4B
Cash & Equivalents
996.8M1.25B1.87B2.21B2.04B1.54B1.63B1.81B1.83B1.59B
Receivables
11.15B10.81B11.29B8.15B8.19B9.49B9.01B9.76B8.6B29.1B
Other Current Assets
-22.1B-23.69B-25.88B-17.47B000000
Goodwill & Intangibles
1.23B6.1B4.89B4.44B12.69B13.18B13.23B13.14B13.36B42.63B
Goodwill
917.7M2.32B2.34B2.59B2.57B2.6B2.61B2.62B2.65B2.65B
Intangible Assets
313M3.78B2.54B1.85B10.11B10.58B10.62B10.53B10.71B511.1M
PP&E (Net)
347.6M392.5M433.7M446.1M561.4M645.1M685.8M768.3M841.7M0
Other Assets
-12.64B-20.19B-20.46B-12.28B1.78B738.3M862.3M991.7M1.6B19.08B
Total Liabilities
27.56B35.96B38.61B38.7B28.46B28.89B28.83B29.91B30.42B29.9B
Total Debt
1.07B2.01B2.01B2.25B2.2B2.13B2.08B2.08B2.21B2.21B
Net Debt
71.4M752M139.8M45.3M161.7M593.2M453M275.4M372.8M615.8M
Long-Term Debt
1.07B2.01B2.01B2.25B2.2B1.91B2.08B2.08B2.21B2.21B
Short-Term Debt
00000224.7M0000
Total Current Liabilities
000021.73B23.74B23.47B23.96B23.89B0
Accounts Payable
3.93B3.14B3.05B1.97B2.05B2.7B2.42B2.91B2.1B0
Deferred Revenue
000018.62B19.8B20.11B20.21B20.88B20.9B
Other Current Liabilities
-4.29B-3.48B-3.59B-2.67B364.2M366.6M392.7M277.7M266.4M-20.9B
Deferred Taxes
0000000000
Other Liabilities
-1.2B-2.06B-2.01B-2.25B4.52B3.24B3.28B3.87B4.32B2.11B
Total Equity
4.28B▲ 0%
5.13B▲ 19.9%
5.68B▲ 10.7%
5.95B▲ 4.8%
5.46B▼ 8.2%
4.23B▼ 22.6%
4.81B▲ 13.7%
5.11B▲ 6.2%
5.87B▲ 15.0%
5.87B▲ 0%
Equity Growth %
4.48%19.91%10.68%4.8%-8.24%-22.61%13.73%6.18%14.98%46.56%
Shareholders Equity
4.27B5.11B5.65B5.95B5.46B4.23B4.81B5.11B5.87B5.87B
Minority Interest
10.9M21.9M29.3M3.4M000000
Retained Earnings
4.04B5.76B5.97B3.55B4.04B3.7B4.03B4.38B4.83B4.95B
Common Stock
1.5M1.6M1.6M600K700K600K600K500K500K6.5B
Accumulated OCI
234M-155.4M411.5M709.8M-150M-986.2M-765M-836.1M-544.2M-629M
Return on Equity (ROE)
12.4%5.33%7.07%7.58%23.85%5.71%14.22%15.33%15.9%17.4%
Return on Assets (ROA)
1.69%0.69%0.9%0.99%3.47%0.83%1.93%2.21%2.45%2.83%
Equity / Assets
13.45%12.49%12.83%13.34%16.11%12.77%14.3%14.58%16.18%17.5%
Debt / Equity
0.25x0.39x0.35x0.38x0.40x0.50x0.43x0.41x0.38x0.38x
Book Value per Share
77.4186.2291.1994.2590.8877.1989.4297.12116.97116.93
Tangible BV per Share
55.16-16.2612.7524.01-120.10-163.43-156.51-152.86-149.1053.86

AIZ Cash Flow Statement

Assurant, Inc. (AIZ) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
530.4M656.7M1.41B1.34B781.7M596.9M1.14B1.33B1.83B1.68B
Operating CF Growth %
294.27%23.81%115.23%-5.05%-41.75%-23.64%90.67%17.1%37.61%467%
Operating CF / Revenue %
8.4%8.21%14.83%13.96%7.67%5.86%10.22%11.22%14.31%12.78%
Net Income
519.6M251M382.6M441.8M1.37B276.6M642.5M760.2M872.7M1B
Depreciation & Amortization
115.7M126.9M125.8M144.3M171.6M182M196.4M223.5M250M259.8M
Stock-Based Compensation
35.5M57.1M55.9M57.9M66.7M62.6M75.1M81.1M063.2M
Deferred Taxes
-4.2M20.4M89.5M191.6M131.7M63.8M-108.5M244.9M0117.2M
Other Non-Cash Items
-233.2M49.6M130.7M134.3M-717.4M230.2M71.6M24M298.2M45.6M
Working Capital Changes
97M151.7M628.9M372.1M-243.3M-218.3M261M-1M413M195.8M
Cash from Investing
-541.2M-2.2B-619.8M-735.2M157.6M-262.1M-637.7M-657.8M-1.46B-1.32B
Capital Expenditures
-62.1M-82.8M-110.3M-121.2M-187.4M-186.3M-202.5M-221.3M-235.5M-182.1M
Acquisitions
-129.1M-1.05B-7.6M-531.9M1.3B-67.7M-300K-17.9M-23.5M-23.5M
Purchase of Investments
-4.34B-6.32B-4.34B-2.59B-3.2B-3.2B-2.29B-2.48B-3.38B-2.44B
Sale/Maturity of Investments
4B5.34B3.88B2.45B2.5B3.23B1.89B2.07B2.17B1.94B
Other Investing
-11.4M-92.2M-44M58.5M-256.1M-39.2M-32.8M-16.5M6M-611.6M
Cash from Financing
-26.7M1.84B-179.2M-264.8M-1.09B-818.4M-403.9M-477.5M-364.2M-245.5M
Dividends Paid
-119M-148M-170M-173.3M-162.3M-150.2M-152.3M-155.9M-168.4M-127.5M
Share Repurchases
-388.9M-139.3M-271.8M-297M-839.3M-572.8M-193.1M-307.4M-303.7M-239.4M
Stock Issued
0276.4M00000000
Debt Issuance (Net)
1000K1000K1000K1000K-1000K-1000K-1000K01000K1000K
Other Financing
30.4M25M27.1M-37M0-19.5M-6.7M-14.2M-13.8M-300K
Net Change in Cash
-35.2M▲ 0%
257.2M▲ 830.7%
613.1M▲ 138.4%
361.5M▼ 41.0%
-173.8M▼ 148.1%
-518.1M▼ 198.1%
90.7M▲ 117.5%
180.3M▲ 98.8%
26.4M▼ 85.4%
164.5M▲ 0%
Exchange Rate Effect
2.3M-35M-1.3M19.5M-23.3M-34.5M-5.8M-17.1M14.5M4.7M
Cash at Beginning
1.03B996.8M1.25B1.87B2.23B2.05B1.54B1.63B1.81B0
Cash at End
996.8M1.25B1.87B2.23B2.05B1.54B1.63B1.81B1.83B0
Free Cash Flow
468.3M▲ 0%
573.9M▲ 22.5%
1.3B▲ 127.1%
1.22B▼ 6.3%
594.3M▼ 51.3%
410.6M▼ 30.9%
935.6M▲ 127.9%
1.11B▲ 18.8%
1.6B▲ 43.8%
1.5B▲ 0%
FCF Growth %
850.03%22.55%127.06%-6.32%-51.32%-30.91%127.86%18.79%43.82%-4.6%
FCF Margin %
7.42%7.17%13.67%12.7%5.83%4.03%8.4%9.36%12.47%11.4%
FCF per Share
8.479.6420.9119.329.887.517.421.1431.8429.88

AIZ Key Ratios

Assurant, Inc. (AIZ) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio
92.96%95.83%95.23%93.98%92.43%96.57%92.75%92.19%91.51%90.58%
Medical Cost Ratio
50.87%58.04%59%61.88%59.27%23.15%22.65%23.29%22.85%22.17%
Return on Equity (ROE)
12.4%5.33%7.07%7.58%23.85%5.71%14.22%15.33%15.9%17.4%
Return on Assets (ROA)
1.69%0.69%0.9%0.99%3.47%0.83%1.93%2.21%2.45%2.83%
Equity / Assets
13.45%12.49%12.83%13.34%16.11%12.77%14.3%14.58%16.18%17.5%
Book Value / Share
77.4186.2291.1994.2590.8877.1989.4297.12116.97116.93
Debt / Equity
0.25x0.39x0.35x0.38x0.40x0.50x0.43x0.41x0.38x0.38x
Revenue Growth
-11.21%26.77%19.11%0.85%6%0.05%9.21%6.7%7.89%9.02%
Related:AIZ Dividend History·AIZ Revenue History·AIZ Price History·AIZ P/E History·AIZ Financial Ratios·AIZ Institutional Holders

AIZ SEC Filings & Documents

Assurant, Inc. (AIZ) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Feb 10, 2026·SEC

Material company update

Jan 28, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 19, 2026·SEC

FY 2025

Feb 20, 2025·SEC

FY 2024

Feb 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

AIZ Frequently Asked Questions

Assurant, Inc. (AIZ) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Assurant, Inc. (AIZ) grew revenue by 7.9% over the past year. This is steady growth.

Yes, Assurant, Inc. (AIZ) is profitable, generating $1.00B in net income for fiscal year 2025 (6.8% net margin).

Dividend & Returns

Yes, Assurant, Inc. (AIZ) pays a dividend with a yield of 1.29%. This makes it attractive for income-focused investors.

Assurant, Inc. (AIZ) has a return on equity (ROE) of 15.9%. This is reasonable for most industries.

Industry Metrics

Assurant, Inc. (AIZ) has a combined ratio of 91.5%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in AIZ back in 2002?

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How much would $100/month in AIZ be worth today?

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