AIZ · Assurant, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $12.81B | $11.88B | $11.13B | $10.19B | $10.19B | $10.09B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | $3.24B | $3.11B |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $156.40M | $139.40M | $109.30M | $86.30M | $73.80M | $60.00M |
| Operating Income | $1.09B | $927.30M | $806.80M | $349.90M | $783.00M | $515.30M |
| Interest Expense | $109.70M | $107.00M | $108.00M | $108.30M | $111.80M | $104.50M |
| Income Tax | $214.70M | $167.10M | $164.30M | $73.30M | $169.50M | $72.60M |
| Net Income | $872.70M | $760.20M | $642.50M | $276.60M | $1.37B | $441.80M |
| EPS - Basic | $17.14 | $14.55 | $12.02 | $5.09 | $23.13 | $7.04 |
| EPS - Diluted | $16.93 | $14.46 | $11.95 | $5.05 | $22.83 | $6.99 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.83B | $1.81B | $1.63B | $1.54B | $2.04B | $2.23B |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $36.29B | $35.02B | $33.64B | $33.12B | $33.91B | $44.65B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $30.42B | $29.91B | $28.83B | $28.90B | $28.42B | $38.70B |
| Stockholders' Equity | $5.87B | $5.11B | $4.81B | $4.23B | $5.49B | $5.95B |
| Retained Earnings | $4.83B | $4.38B | $4.03B | $3.70B | $4.07B | $3.55B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.83B | $1.33B | $1.14B | $596.90M | $781.70M | $1.34B |
| Investing Cash Flow | ($1.46B) | ($657.80M) | ($637.70M) | ($262.10M) | $157.60M | ($735.20M) |
| Financing Cash Flow | ($364.20M) | ($477.50M) | ($403.90M) | ($818.40M) | ($1.09B) | ($264.80M) |
| CapEx | $235.50M | $221.30M | $202.50M | $186.30M | $187.40M | $121.20M |
| Free Cash Flow | $1.60B | $1.11B | $935.60M | $410.60M | $594.30M | $1.22B |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 8.5% | 7.8% | 7.2% | 3.4% | 7.7% | 5.1% |
| EBITDA margin | 9.7% | 9.0% | 8.2% | 4.3% | 8.4% | 5.7% |
| Net margin | 6.8% | 6.4% | 5.8% | 2.7% | 13.5% | 4.4% |
| Free cash flow margin | 12.5% | 9.4% | 8.4% | 4.0% | 5.8% | 12.1% |
| FCF / Net income | 1.83 | 1.46 | 1.46 | 1.48 | 0.43 | 2.76 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | 31.8% | 30.8% |
| Effective tax rate | 19.7% | 18.0% | 20.4% | 20.9% | 11.0% | 14.1% |
| Return on assets | 2.4% | 2.2% | 1.9% | 0.8% | 4.0% | 1.0% |
| Return on equity | 14.9% | 14.9% | 13.4% | 6.5% | 25.0% | 7.4% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 9.9x | 8.7x | 7.5x | 3.2x | 7.0x | 4.9x |
| Equity multiplier | 6.18 | 6.86 | 6.99 | 7.83 | 6.18 | 7.50 |
| Liabilities / Assets | 0.84 | 0.85 | 0.86 | 0.87 | 0.84 | 0.87 |
| Efficiency | ||||||
| Asset turnover | 0.35 | 0.34 | 0.33 | 0.31 | 0.30 | 0.23 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 14.2x | 14.7x | 14.1x | 24.8x | 6.8x | 19.5x |
| P / B | 2.1x | 2.2x | 1.9x | 1.6x | 1.7x | 1.4x |
| P / S | 1.0x | 0.9x | 0.8x | 0.7x | 0.9x | 0.9x |
| EV / EBITDA | 8.4x | 8.8x | 8.1x | 12.2x | 8.6x | 11.1x |
| Growth | ||||||
| Revenue growth (YoY) | 7.9% | 6.7% | 9.2% | 0.1% | 0.9% | 0.1% |
| Revenue CAGR (3y) | 7.9% | 5.2% | 3.3% | 0.3% | 8.1% | 16.3% |
| Revenue CAGR (5y) | 4.9% | 3.3% | 6.7% | 9.7% | 6.2% | -0.5% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 17.3% | 14.9% | 130.6% | -55.3% | 52.0% | -7.1% |
| Net income growth (YoY) | 14.8% | 18.3% | 132.3% | -79.8% | 210.6% | 15.5% |
| EPS growth (YoY) | 17.1% | 21.0% | 136.6% | -77.9% | 226.6% | 19.7% |
| EPS CAGR (3y) | 49.7% | -14.1% | 19.6% | -4.7% | 79.0% | -9.4% |
| EPS CAGR (5y) | 19.4% | 19.9% | 24.6% | -11.7% | 20.1% | 27.8% |
| FCF growth (YoY) | 43.8% | 18.8% | 127.9% | -30.9% | -51.3% | -6.3% |
| FCF CAGR (5y) | 5.5% | -3.1% | 10.3% | 54.6% | 64.5% | 54.3% |
| Book value growth (YoY) | 15.0% | 6.2% | 13.7% | -23.0% | -7.8% | 5.3% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$12.85B totalGlobal Lifestyle$9.94B · 77.4%
Global Housing$2.91B · 22.6%
Geographic
$12.81B totalUS$10.55B · 82.3%
Non Us$2.27B · 17.7%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Insurance Carriers, NEC
Comparing ASSURANT against the 2 most active filers in the same SIC group.
Dividends
$3.36/share trailing 12 months · +10.5% YoY
| Ex-date | Per share |
|---|---|
| Feb 17, 2026 | $0.8800 |
| Dec 1, 2025 | $0.8800 |
| Sep 2, 2025 | $0.8000 |
| Jun 9, 2025 | $0.8000 |
| Feb 3, 2025 | $0.8000 |
| Dec 9, 2024 | $0.8000 |
| Sep 3, 2024 | $0.7200 |
| Jun 10, 2024 | $0.7200 |
| Feb 2, 2024 | $0.7200 |
| Nov 24, 2023 | $0.7200 |
| Aug 25, 2023 | $0.7000 |
| May 26, 2023 | $0.7000 |
| Feb 24, 2023 | $0.7000 |
| Nov 25, 2022 | $0.7000 |
| Aug 26, 2022 | $0.6800 |
| May 27, 2022 | $0.6800 |
| Feb 25, 2022 | $0.6800 |
| Nov 26, 2021 | $0.6800 |
| Aug 27, 2021 | $0.6600 |
| May 28, 2021 | $0.6600 |
| Feb 19, 2021 | $0.6600 |
| Nov 27, 2020 | $0.6600 |
| Aug 28, 2020 | $0.6300 |
| May 22, 2020 | $0.6300 |