AIZ
Assurant, Inc.233.32
+0.06+0.03%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Home warranty investments detailed
Q&A unpacked home warranty ramp-up, pegging $15-20M incremental 2026 investments in the $140M corporate line—early national rollout across six Compass brands already yielding daily sales. Housing in-force policies grow via California and Midwest gains offsetting flat Florida, improving risk mix amid persistent hard market. Reverse logistics eyes other major US carriers beyond T-Mobile. Management shrugged off regulator profit cap worries via routine filings, affirmed reserve strength sans PYD guide. Buybacks rise to $250-350M. Home warranty investments excite; watch scaling traction.
Key Stats
Market Cap
11.77BP/E (TTM)
14.23Basic EPS (TTM)
16.40Dividend Yield
0.01%Recent Filings
10-K
FY2025 results
Assurant posted strong FY2025 results with net earned premiums, fees and other income up 7% to $12.4B, fueled by 7% growth in Global Lifestyle to $9.6B from mobile and financial services, and 13% in Global Housing to $2.8B via lender-placed policies—yet Q4 momentum shone in Housing's favorable non-cat claims and Lifestyle's automotive margins. Adjusted EBITDA climbed 15% to $1.66B, with Housing up 28% (ex-cats) on policy growth while Lifestyle gained 4%. Q4 accelerated via lower catastrophes and tech investments. Returned $468M to shareholders; debt-to-capital steady at 27%. Client concentration threatens renewal momentum.
8-K
Strong Q4, FY earnings growth
Assurant posted Q4 GAAP net income of $225.2M, up 12% from 2024, and full-year $872.7M, up 15%, fueled by Global Housing's 28% Adjusted EBITDA surge despite lower catastrophes. Revenues climbed 8% to $12.35B. Growth persists. 2026 outlook holds Adjusted EBITDA steady or mid-to-high single digits higher, excluding prior-year development.
8-K
Assurant adds investment expert Blake
Assurant appointed Lynn Blake, ex-State Street investment chief with 30+ years in asset management, to its Board on January 28, 2026, assigning her to the Finance and Risk and Nominating committees, pending regulatory nod. Blake's risk and governance savvy bolsters financial strategy. Debra Perry retires at the 2026 annual meeting. Smooth succession.
10-Q
Q3 FY2025 results
Assurant crushed Q3 with net income doubling to $265.6M from $133.8M y/y, fueled by 9% revenue growth to $3.23B on 9% net earned premium jump to $2.63B and steady net investment income at $134M. Global Housing surged on lower catastrophes while Lifestyle posted 12% Adjusted EBITDA growth to $207M (defined/reconciled in Note 4); diluted EPS leaped to $5.17 from $2.55 on 51M shares, fully reconciling. Cash equivalents held at $1.71B with $2.21B debt after swapping $175M 6.10% 2026 notes for $300M 5.55% 2036 notes in August. Operating cash flow strong at $1.16B YTD minus $176M capex yields $987M FCF (derived). Competition shadows growth in device protection.
8-K
Q3 earnings soar, outlook raised
Assurant crushed Q3 2025 with GAAP net income doubling to $265.6 million, fueled by sharply lower catastrophes and double-digit growth in Global Housing and Lifestyle segments. Adjusted EBITDA ex-catastrophes rose 13% to $433.5 million. Earnings power surged. The company raised its full-year outlook to low double-digit Adjusted EPS growth ex-cats and nearly 10% Adjusted EBITDA growth, backed by $300 million in share repurchases.
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