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Assurant, Inc. 5.25% Subordinat (AIZN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Assurant, Inc. 5.25% Subordinat (AIZN) stock price & volume — 10-year historical chart
Assurant, Inc. 5.25% Subordinat (AIZN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Assurant, Inc. 5.25% Subordinat (AIZN) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $5.47vs $5.34+2.4% | $3.4Bvs $3.3B+3.8% |
| Q1 2026 | Feb 10, 2026 | $5.61vs $5.54+1.3% | $3.4Bvs $3.3B+1.3% |
| Q4 2025 | Nov 4, 2025 | $5.18vs $4.39+18.0% | $3.2Bvs $3.2B+1.4% |
| Q3 2025 | Aug 5, 2025 | $4.56vs $4.50+1.3% | $3.2Bvs $3.1B+1.1% |
Assurant, Inc. 5.25% Subordinat (AIZN) competitors in Housing and title insurers — business model, growth, and fundamentals comparison
Assurant, Inc. 5.25% Subordinat (AIZN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Assurant, Inc. 5.25% Subordinat (AIZN) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 6.31B | 8B | 9.53B | 9.61B | 10.19B | 10.19B | 11.13B | 11.88B | 12.81B | 13.16B |
Revenue Growth % | -11.21% | 26.77% | 19.11% | 0.85% | 6% | 0.05% | 9.21% | 6.7% | 7.89% | 9.02% |
Medical Costs & Claims | 3.21B | 4.64B | 5.62B | 5.95B | 6.04B | 2.36B | 2.52B | 2.77B | 2.93B | 2.92B |
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 | 2.66B | 3.02B | 3.45B | 3.09B | 3.38B | 7.48B | 7.8B | 8.18B | 8.8B | 9B |
OpEx / Revenue % | 42.08% | 37.79% | 36.23% | 32.1% | 33.16% | 73.42% | 70.1% | 68.9% | 68.67% | 68.42% |
Depreciation & Amortization | 115.7M | 126.9M | 125.5M | 142.3M | 171.6M | 182M | 196.4M | 223.5M | 250M | 193.3M |
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 | 560.2M | 460.4M | 580.2M | 720.4M | 942.9M | 531.9M | 1B | 1.15B | 1.34B | 1.43B |
EBITDA Margin % | 8.88% | 5.75% | 6.09% | 7.5% | 9.26% | 5.22% | 9.01% | 9.69% | 10.44% | 10.89% |
Interest Expense | 49.5M | 100.3M | 110.6M | 104.5M | 111.8M | 108.3M | 108M | 107M | 109.7M | 111.2M |
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 | -75.1M | 80.9M | 148.3M | 58.7M | 168.4M | 73.3M | 164.3M | 167.1M | 214.7M | 239.1M |
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) | 9.45 | 4.24 | 6.18 | 7.04 | 10.37 | 5.09 | 12.02 | 14.55 | 17.29 | - |
Diluted Shares Outstanding | 55.31M | 59.55M | 62.31M | 63.18M | 60.12M | 54.78M | 53.78M | 52.58M | 50.2M | 50.2M |
Assurant, Inc. 5.25% Subordinat (AIZN) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Assets | 31.84B | 41.09B | 44.29B | 44.65B | 33.92B | 33.12B | 33.64B | 35.02B | 36.29B | 33.55B |
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 | 12.3B | 15.09B | 16.59B | 8.22B | 8.67B | 7.52B | 8.22B | 8.54B | 10.06B | 4M |
Long-Term Investments | 11.06B | 13.69B | 15.13B | 7.4B | 1.21B | 1.09B | 6.11B | 1.09B | 7.34B | 33.28B |
Short-Term Investments | 9.95B | 11.63B | 12.72B | 7.11B | 7.46B | 6.44B | 2.11B | 7.46B | 2.72B | 8.78B |
Total Current Assets | 0 | 0 | 0 | 0 | 17.69B | 17.47B | 12.75B | 19.03B | 13.15B | 12.4B |
Cash & Equivalents | 996.8M | 1.25B | 1.87B | 2.21B | 2.04B | 1.54B | 1.63B | 1.81B | 1.83B | 1.59B |
Receivables | 11.15B | 10.81B | 11.29B | 8.15B | 8.19B | 9.49B | 9.01B | 9.76B | 8.6B | 29.1B |
Other Current Assets | -22.1B | -23.69B | -25.88B | -17.47B | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 1.23B | 6.1B | 4.89B | 4.44B | 12.69B | 13.18B | 13.23B | 13.14B | 13.36B | 42.63B |
Goodwill | 917.7M | 2.32B | 2.34B | 2.59B | 2.57B | 2.6B | 2.61B | 2.62B | 2.65B | 2.65B |
Intangible Assets | 313M | 3.78B | 2.54B | 1.85B | 10.11B | 10.58B | 10.62B | 10.53B | 10.71B | 511.1M |
PP&E (Net) | 347.6M | 392.5M | 433.7M | 446.1M | 561.4M | 645.1M | 685.8M | 768.3M | 841.7M | 0 |
Other Assets | -12.64B | -20.19B | -20.46B | -12.28B | 1.78B | 738.3M | 862.3M | 991.7M | 1.6B | 19.08B |
Total Liabilities | 27.56B | 35.96B | 38.61B | 38.7B | 28.46B | 28.89B | 28.83B | 29.91B | 30.42B | 29.9B |
Total Debt | 1.07B | 2.01B | 2.01B | 2.25B | 2.2B | 2.13B | 2.08B | 2.08B | 2.21B | 2.21B |
Net Debt | 71.4M | 752M | 139.8M | 45.3M | 161.7M | 593.2M | 453M | 275.4M | 372.8M | 615.8M |
Long-Term Debt | 1.07B | 2.01B | 2.01B | 2.25B | 2.2B | 1.91B | 2.08B | 2.08B | 2.21B | 2.21B |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 224.7M | 0 | 0 | 0 | 0 |
Total Current Liabilities | 0 | 0 | 0 | 0 | 21.73B | 23.74B | 23.47B | 23.96B | 23.89B | 0 |
Accounts Payable | 3.93B | 3.14B | 3.05B | 1.97B | 2.05B | 2.7B | 2.42B | 2.91B | 2.1B | 0 |
Deferred Revenue | 0 | 0 | 0 | 0 | 18.62B | 19.8B | 20.11B | 20.21B | 20.88B | 20.9B |
Other Current Liabilities | -4.29B | -3.48B | -3.59B | -2.67B | 364.2M | 366.6M | 392.7M | 277.7M | 266.4M | -20.9B |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | -1.2B | -2.06B | -2.01B | -2.25B | 4.52B | 3.24B | 3.28B | 3.87B | 4.32B | 2.11B |
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 | 4.27B | 5.11B | 5.65B | 5.95B | 5.46B | 4.23B | 4.81B | 5.11B | 5.87B | 5.87B |
Minority Interest | 10.9M | 21.9M | 29.3M | 3.4M | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 4.04B | 5.76B | 5.97B | 3.55B | 4.04B | 3.7B | 4.03B | 4.38B | 4.83B | 4.95B |
Common Stock | 1.5M | 1.6M | 1.6M | 600K | 700K | 600K | 600K | 500K | 500K | 6.5B |
Accumulated OCI | 234M | -155.4M | 411.5M | 709.8M | -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 | 0.25x | 0.39x | 0.35x | 0.38x | 0.40x | 0.50x | 0.43x | 0.41x | 0.38x | 0.38x |
Book Value per Share | 77.41 | 86.22 | 91.19 | 94.25 | 90.88 | 77.19 | 89.42 | 97.12 | 116.97 | 116.93 |
Tangible BV per Share | 55.16 | -16.26 | 12.75 | 24.01 | -120.10 | -163.43 | -156.51 | -152.86 | -149.10 | 53.86 |
Assurant, Inc. 5.25% Subordinat (AIZN) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 530.4M | 656.7M | 1.41B | 1.34B | 781.7M | 596.9M | 1.14B | 1.33B | 1.83B | 1.68B |
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 | 519.6M | 251M | 382.6M | 441.8M | 1.37B | 276.6M | 642.5M | 760.2M | 872.7M | 1B |
Depreciation & Amortization | 115.7M | 126.9M | 125.8M | 144.3M | 171.6M | 182M | 196.4M | 223.5M | 250M | 259.8M |
Stock-Based Compensation | 35.5M | 57.1M | 55.9M | 57.9M | 66.7M | 62.6M | 75.1M | 81.1M | 0 | 63.2M |
Deferred Taxes | -4.2M | 20.4M | 89.5M | 191.6M | 131.7M | 63.8M | -108.5M | 244.9M | 0 | 117.2M |
Other Non-Cash Items | -233.2M | 49.6M | 130.7M | 134.3M | -717.4M | 230.2M | 71.6M | 24M | 298.2M | 45.6M |
Working Capital Changes | 97M | 151.7M | 628.9M | 372.1M | -243.3M | -218.3M | 261M | -1M | 413M | 195.8M |
Cash from Investing | -541.2M | -2.2B | -619.8M | -735.2M | 157.6M | -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 | -531.9M | 1.3B | -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 | 4B | 5.34B | 3.88B | 2.45B | 2.5B | 3.23B | 1.89B | 2.07B | 2.17B | 1.94B |
Other Investing | -11.4M | -92.2M | -44M | 58.5M | -256.1M | -39.2M | -32.8M | -16.5M | 6M | -611.6M |
Cash from Financing | -26.7M | 1.84B | -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 | 0 | 276.4M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 0 | 1000K | 1000K |
Other Financing | 30.4M | 25M | 27.1M | -37M | 0 | -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 | -1.3M | 19.5M | -23.3M | -34.5M | -5.8M | -17.1M | 14.5M | 4.7M |
Cash at Beginning | 1.03B | 996.8M | 1.25B | 1.87B | 2.23B | 2.05B | 1.54B | 1.63B | 1.81B | 0 |
Cash at End | 996.8M | 1.25B | 1.87B | 2.23B | 2.05B | 1.54B | 1.63B | 1.81B | 1.83B | 0 |
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 | 8.47 | 9.64 | 20.91 | 19.32 | 9.88 | 7.5 | 17.4 | 21.14 | 31.84 | 29.88 |
Assurant, Inc. 5.25% Subordinat (AIZN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
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 | 77.41 | 86.22 | 91.19 | 94.25 | 90.88 | 77.19 | 89.42 | 97.12 | 116.97 | 116.93 |
Debt / Equity | 0.25x | 0.39x | 0.35x | 0.38x | 0.40x | 0.50x | 0.43x | 0.41x | 0.38x | 0.38x |
Revenue Growth | -11.21% | 26.77% | 19.11% | 0.85% | 6% | 0.05% | 9.21% | 6.7% | 7.89% | 9.02% |
Assurant, Inc. 5.25% Subordinat (AIZN) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 5, 2026·SEC
Feb 10, 2026·SEC
Jan 28, 2026·SEC
Assurant, Inc. 5.25% Subordinat (AIZN) stock FAQ — growth, dividends, profitability & financials explained
Assurant, Inc. 5.25% Subordinat (AIZN) grew revenue by 7.9% over the past year. This is steady growth.
Yes, Assurant, Inc. 5.25% Subordinat (AIZN) is profitable, generating $1.00B in net income for fiscal year 2025 (6.8% net margin).
Yes, Assurant, Inc. 5.25% Subordinat (AIZN) pays a dividend with a yield of 17.75%. This makes it attractive for income-focused investors.
Assurant, Inc. 5.25% Subordinat (AIZN) has a return on equity (ROE) of 15.9%. This is reasonable for most industries.
Assurant, Inc. 5.25% Subordinat (AIZN) has a combined ratio of 91.5%. A ratio below 100% indicates underwriting profitability.