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AIZ logoAssurant, Inc.(AIZ)Earnings, Financials & Key Ratios

AIZ•NYSE•Insurance & Managed Care
$236.61
$11.78B mkt cap·13.6× P/E·Price updated May 6, 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%
  • Book Value per Share116.97+20.4%
  • Tangible BV/Share-149.10+2.5%
  • Debt/Equity0.38-7.9%
Analysis→Technical→

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
  • ✓21 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.

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%
TTM7.89%

Profit CAGR

10 Years19.95%
5 Years14.64%
3 Years46.67%
TTM14.8%

EPS CAGR

10 Years23.84%
5 Years21.02%
3 Years51.01%
TTM17.83%

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
EPS
$5.95
Est $5.29
+12.5%
Revenue
$3.4B
Est $3.3B
+3.9%
Q1 2026
Feb 10, 2026
EPS
$5.61
Est $5.55
+1.1%
Revenue
$3.4B
Est $3.3B
+1.3%
Q4 2025
Nov 4, 2025
EPS
$5.73
Est $4.39
+30.5%
Revenue
$3.2B
Est $3.2B
+1.4%
Q3 2025
Aug 5, 2025
EPS
$5.56
Est $4.43
+25.5%
Revenue
$3.2B
Est $3.2B
-0.2%
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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
PRU logoPRUPrudential Financial, Inc.Direct Competitor34.86B100.169.80-14.01%5.62%10.26%0.65
MET logoMETMetLife, Inc.Direct Competitor52.27B80.1616.7010.22%4.44%11.88%0.70
AFL logoAFLAflac IncorporatedDirect Competitor58.42B113.4016.60-8.84%21%13.05%0.29
CNO logoCNOCNO Financial Group, Inc.Direct Competitor4.28B45.7119.450.94%4.94%8.6%1.54
GL logoGLGlobe Life Inc.Direct Competitor12.11B154.3910.983.82%19.36%20.64%0.44
HIG logoHIGThe Hartford Financial Services Group, Inc.Direct Competitor36.71B133.4910.027.1%14.13%22.01%0.23
ESNT logoESNTEssent Group Ltd.Product Competitor5.99B61.418.9712.03%53.73%12.25%0.09
NMIH logoNMIHNMI Holdings, Inc.Product Competitor2.91B38.257.778.39%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
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Revenue6.31B8B9.53B9.61B10.19B10.19B11.13B11.88B12.81B
Revenue Growth %-11.21%26.77%19.11%0.85%6%0.05%9.21%6.7%7.89%
Medical Costs & Claims3.21B4.64B5.62B5.95B6.04B2.36B2.52B2.77B2.93B
Medical Cost Ratio %50.87%58.04%59%61.88%59.27%23.15%22.65%23.29%22.85%
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%
Gross Margin %49.13%41.96%41%38.12%40.73%76.85%77.35%76.71%77.15%
Gross Profit Growth %-56.38%8.28%16.37%-6.24%13.28%88.76%9.91%5.82%8.51%
Operating Expenses2.66B3.02B3.45B3.09B3.38B7.48B7.8B8.18B8.8B
OpEx / Revenue %42.08%37.79%36.23%32.1%33.16%73.42%70.1%68.9%68.67%
Depreciation & Amortization115.7M126.9M125.5M142.3M171.6M182M196.4M223.5M250M
Combined Ratio %92.96%95.83%95.23%93.98%92.43%96.57%92.75%92.19%91.51%
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%
Operating Margin %7.04%4.17%4.77%6.02%7.57%3.43%7.25%7.81%8.49%
Operating Income Growth %-50.95%-24.97%36.34%27.14%33.42%-54.63%130.58%14.94%17.27%
EBITDA560.2M460.4M580.2M720.4M942.9M531.9M1B1.15B1.34B
EBITDA Margin %8.88%5.75%6.09%7.5%9.26%5.22%9.01%9.69%10.44%
Interest Expense49.5M100.3M110.6M104.5M111.8M108.3M108M107M109.7M
Non-Operating Income-49.5M-100.3M-110.6M-104.5M-111.8M-108.3M-108M-107M-109.7M
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%
Pretax Margin %7.04%4.17%4.77%6.02%7.57%3.43%7.25%7.81%8.49%
Income Tax-75.1M80.9M148.3M58.7M168.4M73.3M164.3M167.1M214.7M
Effective Tax Rate %-16.9%24.26%32.61%10.15%21.83%20.95%20.36%18.02%19.74%
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%
Net Margin %8.23%3.14%4.01%4.59%13.37%2.71%5.77%6.4%6.81%
Net Income Growth %-8.09%-51.69%52.43%15.21%208.94%-79.69%132.28%18.32%14.8%
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%
EPS Growth %2.85%-55.06%45.5%9.12%52.24%-50.49%136.63%21%20.26%
EPS (Basic)9.454.246.187.0410.375.0912.0214.5517.29
Diluted Shares Outstanding55.31M59.55M62.31M63.18M60.12M54.78M53.78M52.58M50.2M

AIZ Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets31.84B41.09B44.29B44.65B33.92B33.12B33.64B35.02B36.29B
Asset Growth %7.18%29.04%7.79%0.81%-24.03%-2.37%1.56%4.12%3.62%
Total Investment Assets12.3B15.09B16.59B8.22B8.67B7.52B8.22B8.54B10.06B
Long-Term Investments11.06B13.69B15.13B7.4B1.21B1.09B6.11B1.09B7.34B
Short-Term Investments9.95B11.63B12.72B7.11B7.46B6.44B2.11B7.46B2.72B
Total Current Assets000017.69B17.47B12.75B19.03B13.15B
Cash & Equivalents996.8M1.25B1.87B2.21B2.04B1.54B1.63B1.81B1.83B
Receivables11.15B10.81B11.29B8.15B8.19B9.49B9.01B9.76B8.6B
Other Current Assets-22.1B-23.69B-25.88B-17.47B00000
Goodwill & Intangibles1.23B6.1B4.89B4.44B12.69B13.18B13.23B13.14B13.36B
Goodwill917.7M2.32B2.34B2.59B2.57B2.6B2.61B2.62B2.65B
Intangible Assets313M3.78B2.54B1.85B10.11B10.58B10.62B10.53B10.71B
PP&E (Net)347.6M392.5M433.7M446.1M561.4M645.1M685.8M768.3M841.7M
Other Assets-12.64B-20.19B-20.46B-12.28B1.78B738.3M862.3M991.7M1.6B
Total Liabilities27.56B35.96B38.61B38.7B28.46B28.89B28.83B29.91B30.42B
Total Debt1.07B2.01B2.01B2.25B2.2B2.13B2.08B2.08B2.21B
Net Debt71.4M752M139.8M45.3M161.7M593.2M453M275.4M372.8M
Long-Term Debt1.07B2.01B2.01B2.25B2.2B1.91B2.08B2.08B2.21B
Short-Term Debt00000224.7M000
Total Current Liabilities000021.73B23.74B23.47B23.96B23.89B
Accounts Payable3.93B3.14B3.05B1.97B2.05B2.7B2.42B2.91B2.1B
Deferred Revenue000018.62B19.8B20.11B20.21B20.88B
Other Current Liabilities-4.29B-3.48B-3.59B-2.67B364.2M366.6M392.7M277.7M266.4M
Deferred Taxes000000000
Other Liabilities-1.2B-2.06B-2.01B-2.25B4.52B3.24B3.28B3.87B4.32B
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%
Equity Growth %4.48%19.91%10.68%4.8%-8.24%-22.61%13.73%6.18%14.98%
Shareholders Equity4.27B5.11B5.65B5.95B5.46B4.23B4.81B5.11B5.87B
Minority Interest10.9M21.9M29.3M3.4M00000
Retained Earnings4.04B5.76B5.97B3.55B4.04B3.7B4.03B4.38B4.83B
Common Stock1.5M1.6M1.6M600K700K600K600K500K500K
Accumulated OCI234M-155.4M411.5M709.8M-150M-986.2M-765M-836.1M-544.2M
Return on Equity (ROE)12.4%5.33%7.07%7.58%23.85%5.71%14.22%15.33%15.9%
Return on Assets (ROA)1.69%0.69%0.9%0.99%3.47%0.83%1.93%2.21%2.45%
Equity / Assets13.45%12.49%12.83%13.34%16.11%12.77%14.3%14.58%16.18%
Debt / Equity0.25x0.39x0.35x0.38x0.40x0.50x0.43x0.41x0.38x
Book Value per Share77.4186.2291.1994.2590.8877.1989.4297.12116.97
Tangible BV per Share55.16-16.2612.7524.01-120.10-163.43-156.51-152.86-149.10

AIZ Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations530.4M656.7M1.41B1.34B781.7M596.9M1.14B1.33B1.83B
Operating CF Growth %294.27%23.81%115.23%-5.05%-41.75%-23.64%90.67%17.1%37.61%
Operating CF / Revenue %8.4%8.21%14.83%13.96%7.67%5.86%10.22%11.22%14.31%
Net Income519.6M251M382.6M441.8M1.37B276.6M642.5M760.2M872.7M
Depreciation & Amortization115.7M126.9M125.8M144.3M171.6M182M196.4M223.5M250M
Stock-Based Compensation35.5M57.1M55.9M57.9M66.7M62.6M75.1M81.1M0
Deferred Taxes-4.2M20.4M89.5M191.6M131.7M63.8M-108.5M244.9M0
Other Non-Cash Items-233.2M49.6M130.7M134.3M-717.4M230.2M71.6M24M298.2M
Working Capital Changes97M151.7M628.9M372.1M-243.3M-218.3M261M-1M413M
Cash from Investing-541.2M-2.2B-619.8M-735.2M157.6M-262.1M-637.7M-657.8M-1.46B
Capital Expenditures-62.1M-82.8M-110.3M-121.2M-187.4M-186.3M-202.5M-221.3M-235.5M
Acquisitions-129.1M-1.05B-7.6M-531.9M1.3B-67.7M-300K-17.9M-23.5M
Purchase of Investments-4.34B-6.32B-4.34B-2.59B-3.2B-3.2B-2.29B-2.48B-3.38B
Sale/Maturity of Investments4B5.34B3.88B2.45B2.5B3.23B1.89B2.07B2.17B
Other Investing-11.4M-92.2M-44M58.5M-256.1M-39.2M-32.8M-16.5M6M
Cash from Financing-26.7M1.84B-179.2M-264.8M-1.09B-818.4M-403.9M-477.5M-364.2M
Dividends Paid-119M-148M-170M-173.3M-162.3M-150.2M-152.3M-155.9M-168.4M
Share Repurchases-388.9M-139.3M-271.8M-297M-839.3M-572.8M-193.1M-307.4M-303.7M
Stock Issued0276.4M0000000
Debt Issuance (Net)1000K1000K1000K1000K-1000K-1000K-1000K01000K
Other Financing30.4M25M27.1M-37M0-19.5M-6.7M-14.2M-13.8M
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%
Exchange Rate Effect2.3M-35M-1.3M19.5M-23.3M-34.5M-5.8M-17.1M14.5M
Cash at Beginning1.03B996.8M1.25B1.87B2.23B2.05B1.54B1.63B1.81B
Cash at End996.8M1.25B1.87B2.23B2.05B1.54B1.63B1.81B1.83B
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%
FCF Growth %850.03%22.55%127.06%-6.32%-51.32%-30.91%127.86%18.79%43.82%
FCF Margin %7.42%7.17%13.67%12.7%5.83%4.03%8.4%9.36%12.47%
FCF per Share8.479.6420.9119.329.887.517.421.1431.84

AIZ Key Ratios

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

Metric2016201720182019202020212022202320242025
Combined Ratio94.02%92.96%95.83%95.23%93.98%92.43%96.57%92.75%92.19%91.51%
Medical Cost Ratio0%50.87%58.04%59%61.88%59.27%23.15%22.65%23.29%22.85%
Return on Equity (ROE)13.11%12.4%5.33%7.07%7.58%23.85%5.71%14.22%15.33%15.9%
Return on Assets (ROA)1.89%1.69%0.69%0.9%0.99%3.47%0.83%1.93%2.21%2.45%
Equity / Assets13.79%13.45%12.49%12.83%13.34%16.11%12.77%14.3%14.58%16.18%
Book Value / Share66.1777.4186.2291.1994.2590.8877.1989.4297.12116.97
Debt / Equity0.26x0.25x0.39x0.35x0.38x0.40x0.50x0.43x0.41x0.38x
Revenue Growth-31.08%-11.21%26.77%19.11%0.85%6%0.05%9.21%6.7%7.89%

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 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 8, 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 $872.7M in net income for fiscal year 2025 (6.8% net margin).

Dividend & Returns

Yes, Assurant, Inc. (AIZ) pays a dividend with a yield of 1.42%. 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.

Explore More AIZ

Assurant, Inc. (AIZ) financial analysis — history, returns, DCA and operating performance tools

Full AIZ Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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