ASSURANT (AIZ) Company Report

In Q3 2025, total company Adjusted EBITDA and EPS grew 13%, both excluding catastrophes, driven by double-digit performance in Global Lifestyle and Global Housing.
Assurant increased its 2025 guidance to low-double-digit adjusted EPS growth and Adjusted EBITDA growth approaching 10%, both excluding cats.
In Q3, Assurant returned $122 million to shareholders via $81 million of repurchases and $41 million of dividends, and anticipates full-year buybacks of $300 million.
The company issued $300 million of 2036 senior notes and redeemed $175 million of 2026 notes, ending the quarter with $613 million in holding company liquidity.

Nov 5, 2025, 1:00 PM

Transcript

Assurant reports Q3 2025 earnings

AIZ

Earnings

Guidance Update

Share Buyback

Adjusted EBITDA ex-cats of $434 million in Q3 2025, up 13% YoY; Adjusted EPS ex-cats of $5.76 per share, also up 13% (Q3 2025 vs. Q3 2024).
YTD 2025 Adjusted EBITDA ex-cats grew 13%, Adjusted EPS ex-cats grew 15%, with $487 million cash generated and $331 million returned to shareholders.
Global Housing segment Adj. EBITDA ex-cats of $259 million, up 13% YoY; Connected Living EBITDA of $79 million (+14% YoY) and Global Automotive EBITDA of $128 million (+10% YoY).
Raised 2025 outlook to approaching 10% Adjusted EBITDA ex-cats growth and low double-digit Adjusted EPS ex-cats growth.
Ended Q3 2025 with $613 million HoldCo liquidity; $81 million in share repurchases in Q3 plus $27 million in October, and $41 million in dividends.

Nov 5, 2025, 1:00 PM

Presentation

Assurant reports Q3 2025 results

AIZ

Earnings

Guidance Update

Share Buyback

13% adjusted EBITDA and EPS growth in Q3 2025 excluding catastrophes, driven by strong performance in both Global Housing and Global Lifestyle
Raised 2025 outlook: expecting low double-digit adjusted EPS growth and ~10% full-year adjusted EBITDA growth excluding catastrophes
Global Lifestyle: Q3 EBITDA up 12% YoY, with Connected Living earnings +11% (2.1 million net mobile subscriber additions) and Global Auto EBITDA +15% (6% normalized growth)
Global Housing: Q3 adjusted EBITDA of $259 million excluding $3 million of catastrophes, up 13% YoY, supported by policy growth, improved loss experience, and reserve development
Returned $122 million to shareholders in Q3 (including $81 million in share repurchases and $41 million in dividends); holdco liquidity at $613 million; issued $300 million of 2036 senior notes

Nov 5, 2025, 1:00 PM

Transcript

Assurant reports Q3 2025 earnings with double-digit growth

AIZ

Earnings

Guidance Update

Share Buyback

Q3 adjusted EBITDA and EPS both grew 13% excluding catastrophes; Global Lifestyle EBITDA up 12% (Connected Living +11%, Global Auto +15%) and Global Housing EBITDA excluding cats rose 13% (underlying +9%).
Raised full-year 2025 outlook, now expecting low-double-digit EPS growth and ~10% EBITDA growth excluding cats; Corporate loss guidance set at ~$120 M.
Capital deployment: returned $122 M in Q3 (repurchases $81 M, dividends $41 M), YTD buybacks of $234 M; issued $300 M of 2036 senior notes, redeemed $175 M due 2026; holdco liquidity at $613 M.
Strategic partnerships: launched a dedicated reverse logistics facility with a major U.S. mobile carrier and a Best Buy Geek Squad protection offering ; Global Housing achieved 8% YoY policy growth alongside a multi-year PMC renewal and two new PMC agreements.

Nov 5, 2025, 1:00 PM

Transcript

Assurant reports Q3 2025 results and raises 2025 outlook

AIZ

Earnings

Guidance Update

Share Buyback

GAAP net income of $265.6 million (+99% YoY) and diluted EPS of $5.17 (+103% YoY) in Q3 2025.
Q3 Adjusted EBITDA of $431.5 million (+75% YoY) and ex-catastrophes Adjusted EBITDA of $433.5 million (+13% YoY).
2025 outlook raised: Adjusted EBITDA ex-catastrophes expected to approach 10% growth; Adjusted earnings per diluted share ex-catastrophes to deliver low double-digit growth.
Q3 capital deployment: repurchased ~$81 million of shares (398 thousand shares) and paid $41 million in dividends; holding company liquidity of $613 million at September 30, 2025.

Nov 4, 2025, 9:28 PM

Press Release

Assurant acquires OptoFidelity’s mobile device test automation portfolio

AIZ

M&A

New Projects/Investments

Assurant has acquired the mobile device test automation technology portfolio from OptoFidelity to enhance its Device Care Centers’ processing, repair, and refurbishment capabilities.
The integration aims to boost operational efficiency, precision, and throughput in preparing Certified Pre-Owned devices for resale.
The modular technology supports scalable testing across iOS and Android devices and aligns with Assurant’s Global Connected Living strategy.
OptoFidelity, founded in 2005, has delivered over 9,000 test systems; Assurant will partner with FutureDial to maintain support for existing clients.

Oct 9, 2025, 12:00 PM

Press Release

Assurant reports Q2 2025 earnings and raises outlook

AIZ

Earnings

Guidance Update

Share Buyback

Q2 2025 adjusted EBITDA rose 13% and adjusted EPS increased 17% excluding catastrophes; year-to-date adjusted EBITDA +14% and EPS +16%, prompting a raised full-year outlook of ~10% EPS growth and mid-to-high single-digit EBITDA growth excl. cats.
Global Housing delivered Q2 adjusted EBITDA of $214 M (incl. $30 M in cats; excl. cats $244 M, +18%) and YTD EBITDA +25% excl. cats; YTD combined ratio 87%, with a full-year target in the mid-80s assuming $300 M in catastrophe losses.
Global Lifestyle saw Q2 adjusted EBITDA up 6% (7% CC) led by Connected Living (+11% CC) and added 2.4 M mobile protection subscribers to 65 M total; Global Auto net written premiums +8% YTD, supported by rate increases and new business wins.
Strong cash generation: holding company liquidity $518 M, Q2 upstream cash $230 M, returned $105 M to shareholders (including $62 M buybacks); YTD share repurchases $150 M, with full-year buyback target raised to $250–300 M.
Continued investment in AI and technology, including generative AI for loan document processing and robotics in device care centers, to drive efficiency and enhance customer experience across housing and lifestyle.

Aug 6, 2025, 11:35 PM

Assurant Inc Q1 2025 Results: Robust Growth & Strategic Initiatives

AIZ

Earnings

Share Buyback

Product Launch

Dividends

Q1 2025 results delivered 14% Adjusted EBITDA growth and 16% Adjusted EPS growth (excl. catastrophes), reaffirming a modest growth outlook .
Strong performance in Global Housing with 17% top-line growth from 70,000 new lender-placed policies and 31% Adjusted EBITDA growth (from $205M to $269M), alongside ongoing improvements in Global Automotive loss experience .
Launched strategic initiatives including Verizon’s Total Wireless PROTECT plan, reinforcing value-added partnerships and a diversified distribution model .
Maintained a robust capital position with over $500 million in liquidity and executed disciplined capital returns via share repurchases ($200M-$300M) and dividends .

May 7, 2025, 12:01 PM

Transcript Presentation

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