Earnings summaries and quarterly performance for ASSURANT.
Executive leadership at ASSURANT.
KD
Keith Demmings
Detailed
President and Chief Executive Officer
CEO
BN
Biju Nair
Detailed
Executive Vice President and President, Global Connected Living
JR
Jay Rosenblum
Detailed
Executive Vice President, Chief Legal Officer
JS
Jeffrey Strickland
Detailed
Executive Vice President and President, Global Automotive
KM
Keith Meier
Detailed
Executive Vice President, Chief Financial Officer
MC
Michael Campbell
Detailed
Executive Vice President, Chief Operating Officer
RL
Robert Lonergan
Detailed
Executive Vice President, Chief Marketing and Risk Officer
RL
Ryan Lumsden
Detailed
Executive Vice President and President, Global Housing
Board of directors at ASSURANT.
Research analysts who have asked questions during ASSURANT earnings calls.
MH
Mark Hughes
Truist Securities
6 questions for AIZ
Also covers: AJG, AMBC, AMSF +42 more
Charlie Lederer
BMO
4 questions for AIZ
Also covers: AON, TWFG
JS
Jeffrey Schmitt
William Blair
4 questions for AIZ
Also covers: AMP, CBOE, FTDR +8 more
JB
John Barnidge
Piper Sandler
4 questions for AIZ
Also covers: AFL, AMP, APO +17 more
Thomas Mcjoynt-Griffith
Keefe, Bruyette & Woods
3 questions for AIZ
Also covers: AGO, AII, GSHD +9 more
TM
Tommy McJoynt
Keefe, Bruyette & Woods (KBW)
3 questions for AIZ
Also covers: AGO, AII, BWIN +11 more
DL
Dan Lukepenot
Dowling & Partners
2 questions for AIZ
JK
James Kane
Morgan Stanley
2 questions for AIZ
MH
Mark Hughes
Truist
2 questions for AIZ
Also covers: ECPG, EIG, NMIH +3 more
MK
Molly Knoell
KBW
2 questions for AIZ
Also covers: TWFG
Brian Meredith
UBS
1 question for AIZ
Also covers: ACGL, AIG, AXS +17 more
Dan
HC Wainwright
1 question for AIZ
Also covers: AADI, APDN, SNOW
JS
James Shell
Piper Sandler
1 question for AIZ
JS
Jeff Schmitt
William Blair & Company, L.L.C.
1 question for AIZ
Also covers: AMP, CBOE, FRGE +11 more
JH
Jian Huang
Morgan Stanley
1 question for AIZ
Also covers: ALL, BOW, CB +10 more
Recent press releases and 8-K filings for AIZ.
Assurant reports Q4 2025 earnings
AIZ
Earnings
Guidance Update
Share Buyback
- Adjusted EBITDA excluding catastrophes was $446 million (+3% y/y) and Adjusted EPS excluding catastrophes was $5.75, up from $5.54 in Q4 2024.
- Global Lifestyle Adjusted EBITDA rose to $195 million (+2%), with Connected Living at $121 million and Global Automotive at $74 million; Global Housing Adjusted EBITDA excluding catastrophes reached $285 million (+3%), net earned premiums grew 10% and the combined ratio was 68.9%.
- Ended the quarter with $887 million in HoldCo liquidity; deployed $94 million to share repurchases and paid $44 million in dividends, with an additional $30 million of buybacks completed post-quarter.
- 2026 outlook calls for Adjusted EBITDA and EPS excluding catastrophes to be consistent with 2025 levels.
Feb 11, 2026, 1:00 PM
Assurant reports Q4 2025 results and 2026 outlook
AIZ
Earnings
Guidance Update
Share Buyback
- Assurant delivered 11% adjusted EBITDA growth ex-CATs (16% incl. CATs) and 12% adjusted EPS growth ex-CATs (19% incl. CATs) for full-year 2025, generating a 14% average ROE and 93% total shareholder return over five years.
- In Q4 2025, Global Lifestyle adjusted EBITDA rose 2% (6% ex inventory adjustment), with Connected Living up 7% underlying and Global Automotive up 3%; net earned premiums, fees and other income grew 7% year-over-year.
- Q4 Global Housing adjusted EBITDA was $276 million (including $9 million of CATs), or $285 million ex-CATs (+3%; +8% underlying ex reserve development); year-end liquidity stood at $887 million, and the company returned $138 million to shareholders ($94 million repurchased, $44 million dividends).
- Assurant launched its home warranty business with a multi-year agreement across six Compass International real estate brands, targeting expansion of its service network and investing $15–20 million in 2026 to scale the offering.
- For 2026, Assurant expects mid-to-high single-digit adjusted EBITDA and EPS growth excluding CATs and prior-year reserve development, a catastrophe reinsurance load of $180–185 million, a corporate EBITDA loss of about $140 million, and share repurchases of $250–350 million.
Feb 11, 2026, 1:00 PM
Assurant reports Q4 2025 results and 2026 outlook
AIZ
Earnings
Guidance Update
Share Buyback
- Q4 Global Lifestyle Adjusted EBITDA increased 2% year-over-year; excluding a $7 million non-run-rate mobile inventory adjustment, underlying growth was 6%.
- Q4 Global Housing Adjusted EBITDA was $276 million (up 3% excluding $9 million of catastrophes); underlying growth reached 8% after lower reserve development impacts.
- Full-year 2025 adjusted EBITDA grew 11% and adjusted EPS grew 12% excluding catastrophes; including catastrophes, these metrics rose 16% and 19%, respectively.
- Year-end liquidity stood at $887 million; Assurant returned $138 million to shareholders in Q4 (including $94 million of share repurchases and $44 million of dividends), for $300 million of buybacks in 2025; dividend increased 10%.
- For 2026, Assurant expects mid- to high-single-digit Adjusted EBITDA and EPS growth excluding prior-year reserve development, estimates an annual catastrophe load of $180–185 million, and plans $250–350 million in share repurchases.
Feb 11, 2026, 1:00 PM
Assurant reports Q4 2025 results and 2026 outlook
AIZ
Earnings
Guidance Update
Share Buyback
- 2025 results: Achieved double-digit growth with adjusted EBITDA up 11% excl. catastrophes (16% incl.) and adjusted EPS up 12% excl. catastrophes (19% incl.), delivering $22.81 adjusted EPS excl. cats and 93% total shareholder return over five years.
- Segment performance: Global Lifestyle delivered mid-single-digit EBITDA growth, protecting 66 million devices; Global Housing EBITDA (ex-cat) surged to >$1 billion with an 80% combined ratio (ex-PYD) and 15% growth in renters’ policies.
- 2026 guidance: Excluding $113 million of favorable prior-year reserve development and catastrophes, expects mid-to-high single-digit growth in adjusted EBITDA and EPS; annual CAT load $180–185 million; corporate EBITDA loss of $140 million including home warranty investments.
- Capital priorities: Increased 2026 share repurchase authorization to $250–350 million (from $200–300 million) and raised the dividend by 10% (21st consecutive year); completed four small acquisitions in 2025, including RL Circular Operations.
Feb 11, 2026, 1:00 PM
Assurant reports Q4 and full year 2025 financial results
AIZ
Earnings
Guidance Update
- Assurant delivered $225.2 million in GAAP Q4 net income, up 12%, with diluted EPS of $4.41, up 14% year-over-year.
- Full-year 2025 GAAP net income rose 15% to $872.7 million, and diluted EPS climbed 17% to $16.93.
- Excluding reportable catastrophes, Adjusted EBITDA reached $445.9 million in Q4 (+3%) and $1,734.4 million for 2025 (+11%).
- For 2026, Assurant expects Adjusted EBITDA ex-catastrophes to be consistent with 2025 levels or grow mid-to-high single digits, with ex-cat EPS guidance similarly aiming for mid-to-high single-digit growth.
Feb 10, 2026, 9:21 PM
Assurant reports Q4 and full year 2025 results
AIZ
Earnings
Guidance Update
- GAAP net income rose 12% in Q4 to $225.2 million and 15% in the full year to $872.7 million.
- Adjusted EBITDA grew 14% in Q4 to $436.5 million and 16% for the year to $1,536.2 million.
- Adjusted earnings per diluted share increased 17% in Q4 to $5.61 and 19% for the year to $19.77.
- For 2026, Assurant expects underlying growth driven by high-single-digit expansion in its Global Lifestyle segment.
Feb 10, 2026, 9:10 PM
Assurant acquires RL Circular Operations to accelerate APAC growth
AIZ
M&A
- Assurant, Inc. (NYSE: AIZ) announced the acquisition of RL Circular Operations and its related subsidiaries from TIC Group to drive Asia–Pacific expansion.
- RL Circular Operations is a leading reverse logistics and post-purchase workflow provider serving retailers, manufacturers, and suppliers in Australia.
- The deal enhances Assurant’s global protection services by expanding its reverse logistics capabilities and post-purchase offerings in the APAC region.
Jan 19, 2026, 12:01 AM
Assurant acquires RL Circular Operations to expand APAC footprint
AIZ
M&A
- Assurant, a global protection company, has acquired RL Circular Operations (formerly TIC Reverse Logistics), a leading reverse logistics provider in Australia and New Zealand, reinforcing its post-purchase services in APAC.
- The deal enhances Assurant’s integrated circular economy solutions and AI-driven capabilities to improve returns management, device lifecycle, and sustainability outcomes across the region.
- The acquisition expands Assurant’s extended warranty and mobile value chain offerings, strengthening its position in priority APAC markets and driving higher asset monetisation for retail partners.
Jan 18, 2026, 10:00 PM
Assurant reports Q3 2025 strong results and raises outlook
AIZ
Earnings
Guidance Update
Share Buyback
- 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
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
Quarterly earnings call transcripts for ASSURANT.
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