CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · AIZ

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin8.5%7.8%7.2%3.4%7.7%5.1%
EBITDA margin9.7%9.0%8.2%4.3%8.4%5.7%
Net margin6.8%6.4%5.8%2.7%13.5%4.4%
Free cash flow margin12.5%9.4%8.4%4.0%5.8%12.1%
FCF / Net income1.831.461.461.480.432.76
R&D / Revenue------
SG&A / Revenue----31.8%30.8%
Effective tax rate19.7%18.0%20.4%20.9%11.0%14.1%
Return on assets2.4%2.2%1.9%0.8%4.0%1.0%
Return on equity14.9%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 coverage9.9x8.7x7.5x3.2x7.0x4.9x
Equity multiplier6.186.866.997.836.187.50
Liabilities / Assets0.840.850.860.870.840.87
Efficiency
Asset turnover0.350.340.330.310.300.23
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E14.2x14.7x14.1x24.8x6.8x19.5x
P / B2.1x2.2x1.9x1.6x1.7x1.4x
P / S1.0x0.9x0.8x0.7x0.9x0.9x
EV / EBITDA8.4x8.8x8.1x12.2x8.6x11.1x
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 total
Global Lifestyle$9.94B · 77.4%
Global Housing$2.91B · 22.6%

Geographic

$12.81B total
US$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

CompanyRevenue (last FY)Net marginROE
HALL$159.92M-67.6%-179.3%
IGIC$516.88M24.6%17.9%

Comparing ASSURANT against the 2 most active filers in the same SIC group.

Dividends

$3.36/share trailing 12 months · +10.5% YoY

Ex-datePer 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