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Assurant, Inc.

AIZ Financial Insurance Property & Casualty

Assurant, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $12.8 billion, up 7.89% from fiscal 2024. In the quarter to June 2026, revenue grew 9.37%, EPS grew 30.0%, free cash flow grew 99.0% and total debt rose 5.93%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years, revenue growth for five, operating cash flow growth for three.

283.31 1.44 +0.51%
Market cap
$13.9B
P/E
13.4×
Fwd P/E
12.9×
Dividend yield
1.24%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios Filings 10-Q 10-K

Insider Decisions trades per month

Total sells 10.96
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — 2 — 3 1 — 1 — —
Insider Ownership 1.17%

Capital & Financial Ratios $m

Market Cap 13,900.00
Revenue 13,456.20
Net Income 1,063.50
Free Cash Flow 1,655.60
Net Debt 509.40
Current Ratio 0.37
Debt/Equity 0.36
P/E ratio 13.41
Fwd P/E 12.90
P/S ratio 1.04
P/B ratio 2.30
Past 5Y EPS Growth 19.35% (at or above 15%: strong)
This Y EPS Growth 14.00%
Next Y EPS Growth 3.67%
Next Y revenue growth 8.24%
Next 5Y EPS Growth 8.07%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 39.11%
10-year low 10-year high
P/S against its own 10 years 98.64%
10-year low 10-year high
P/B against its own 10 years 99.41%
10-year low 10-year high

Dividends

Payout Ratio 0.17
Annual Dividend Rate 3.52
Annual Dividend Yield 1.24%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 3.48
0.88
0.88
0.88
2025 3.28
0.80
0.80
0.80
0.88
2024 2.96
0.72
0.72
0.72
0.80
2023 2.82
0.70
0.70
0.70
0.72
2022 2.74
0.68
0.68
0.68
0.70
2021 2.66
0.66
0.66
0.66
0.68
2020 2.55
0.63
0.63
0.63
0.66
2019 2.43
0.60
0.60
0.60
0.63
2018 2.28
0.56
0.56
0.56
0.60
2017 2.15
0.53
0.53
0.53
0.56
2016 2.03
0.50
0.50
0.50
0.53
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,627 1,808 1,834 1,699
Receivables 8,915 9,634 8,461 8,359
Inventory — — — —
Other — — — —
10,542 11,441 10,295 10,057
2023 2024 2025 Q'26
Payables 25,810 26,994 26,805 26,870
ST’ Debt — — — —
Other — — — —
26,352 27,553 27,445 27,493

Compound Annual Growth %

10y 5y 3y
Sales 2.18% 5.95% 7.93%
Cash Flow 23.08% 6.44% 45.38%
Earnings 19.84% 15.43% 46.24%
Book Value 2.64% (0.28%) 11.56%

Revenue $m

Mar Jun Sep Dec Year
’26 3,420 3,454 — — —
’25 3,074 3,158 3,232 3,350 12,814
’24 2,880 2,925 2,968 3,105 11,878
’23 2,643 2,732 2,774 2,983 11,132
’22 2,483 2,510 2,548 2,653 10,193
’21 2,433 2,542 2,638 2,575 10,188
’20 2,449 2,352 2,377 2,420 9,598
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 240 454 — — —
’25 392 266 505 671 1,834
’24 83 711 437 103 1,333
’23 260 185 331 363 1,138
’22 (501) 173 648 277 597
’21 (419) 948 (2) 255 782
’20 (124) 416 609 440 1,342
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 193 409 — — —
’25 339 206 442 612 1,598
’24 32 656 389 35 1,111
’23 211 136 280 308 936
’22 (542) 127 601 225 411
’21 (458) 902 (48) 199 594
’20 (144) 390 575 400 1,221
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 5.41 5.95 — — —
’25 2.83 4.56 5.17 4.41 16.93
’24 4.47 3.58 2.55 3.87 14.46
’23 2.12 2.90 3.54 3.42 11.95
’22 2.59 0.95 0.14 1.27 5.05
’21 2.64 3.32 14.83 2.14 22.83
’20 2.43 2.81 (0.58) 2.23 6.99
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 64.36 86.00 82.31 88.31 76.27 121.55 119.01 104.49 160.12 174.97

Analyst estimates 2026–2028

Powerpack
High 94.40 106.99 111.43 134.25 142.61 172.22 194.12 172.95 230.55 243.76
People
People Employees 14,700 14,750 14,750 14,200 14,100 15,600 13,700 13,600 14,200 14,800
Revenue/emp, $m 0.51 0.43 0.55 0.67 0.68 0.65 0.74 0.82 0.84 0.87
Income, $m
Income, $m Revenue 7,532 6,415 8,058 9,569 9,598 10,188 10,193 11,132 11,878 12,814
Gross margin, % 75.99 70.84 70.93 75.07 76.29 78.39 76.85 77.35 76.71 77.15
EBT 849 445 334 455 578 771 350 807 927 1,087
EBT margin, % 11.27 6.93 4.14 4.75 6.02 7.57 3.43 7.25 7.81 8.49
Net income 565 520 251 383 441 1,362 277 643 760 873
Depreciation (269) 12 70 126 142 172 182 196 224 250
Per share, $
Per share, $ Revenue 122.95 116.66 136.02 154.48 159.65 172.26 187.47 210.55 229.72 253.90
Earnings 9.23 9.45 4.00 5.87 7.04 23.13 5.09 12.02 14.55 17.14
Cash flow 1.77 9.65 11.09 22.82 22.32 13.22 10.98 21.53 25.78 36.34
Capex (1.39) (0.65) (1.40) (1.78) (2.02) (3.17) (3.43) (3.83) (4.28) (4.67)
Free cash flow 0.38 8.99 9.69 21.04 20.31 10.05 7.55 17.70 21.50 31.67
Book value 66.90 77.86 86.66 91.73 99.06 92.39 77.77 90.97 98.77 116.34
Shares, m 61 55 59 62 60 59 54 53 52 50
Valuation, ×
Valuation, × P/E 10.41 10.47 21.50 22.37 19.35 6.75 25.57 14.13 14.66 14.05
P/S 0.77 0.85 0.66 0.85 0.85 0.90 0.68 0.81 0.93 0.95
P/B 1.41 1.27 1.03 1.43 1.38 1.69 1.64 1.87 2.16 2.07
EV/Sales 0.77 0.86 0.75 0.86 0.86 0.92 0.74 0.85 0.95 0.98
EV/FCF 247.90 11.18 10.54 6.34 6.74 15.78 18.30 10.08 10.17 7.84
Cash, $m
Cash, $m Operating cash flow 109 530 657 1,413 1,342 782 597 1,138 1,333 1,834
Capex (85) (36) (83) (110) (121) (187) (186) (202) (221) (235)
Free cash flow 23 495 574 1,303 1,221 594 411 936 1,111 1,598
Balance, $m
Balance, $m Working capital (11,175) (11,751) (18,549) (19,603) (13,599) (14,660) (15,450) (15,810) (16,112) (17,150)
Total debt 1,067 1,068 2,006 2,007 2,253 2,203 2,130 2,081 2,083 2,207
Net debt 35 71 752 140 45 162 593 453 275 373
Shareholders’ equity 4,098 4,282 5,134 5,682 5,955 5,464 4,229 4,810 5,107 5,872
Returns, %
Returns, % ROA 1.89 1.69 0.65 0.85 0.95 3.45 0.83 1.90 2.19 2.43
ROIC 12.83 6.38 3.54 6.63 6.02 8.57 4.54 9.58 10.77 10.88
ROE 13.12 12.40 5.03 6.73 7.26 23.78 5.71 14.06 15.18 15.76
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Assurant, Inc. vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CINF Cincinnati Financial Corporation $25.7B 8.0× 19.7× +31.59% (above 0%: growing) +85.84% (above 0%: growing) −5.29% (below 0%: shrinking) 37.46% 37.20% Compare
MKL Markel Group Inc. $22.6B 10.1× 12.8× +12.67% (above 0%: growing) +86.91% (above 0%: growing) −15.25% (below 0%: shrinking) 62.92% 30.09% Compare
L Loews Corporation $22.2B 13.5× 16.0× +3.93% (above 0%: growing) +15.51% (above 0%: growing) −18.81% (below 0%: shrinking) 54.18% 15.10% Compare
AIZ Assurant, Inc. $13.9B 13.4× 12.9× +9.37% (above 0%: growing) +30.00% (above 0%: growing) +99.03% (above 0%: growing) 78.34% 11.73%
CNA CNA Financial Corporation $12.8B 10.5× 10.9× +3.01% (above 0%: growing) +7.27% (above 0%: growing) +16.91% (above 0%: growing) 43.35% 11.44% Compare
AFG American Financial Group, Inc. $12.1B 13.0× 11.3× +5.51% (above 0%: growing) +44.44% (above 0%: growing) −68.13% (below 0%: shrinking) 23.15% 16.75% Compare
ORI Old Republic International Corporation $9.3B 8.5× 11.7× +13.37% (above 0%: growing) +61.45% (above 0%: growing) +49.25% (above 0%: growing) 17.62% 17.62% Compare
KNSL Kinsale Capital Group, Inc. $8.1B 14.7× 15.2× +16.75% (above 0%: growing) +33.51% (above 0%: growing) −5.14% (below 0%: shrinking) 40.91% 40.68% Compare
THG The Hanover Insurance Group, Inc. $8.0B 11.0× 10.4× +4.34% (above 0%: growing) +27.21% (above 0%: growing) +2.20% (above 0%: growing) 44.24% 14.75% Compare
Median of peers $12.4B 10.8× 12.3× +9.09% +38.98% −5.21% 42.13% 17.19%

All 45 Insurance Property & Casualty stocks →

AIZ metrics, ten years each

Assurant, Inc. (AIZ) key facts

  • Strength: Assurant, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $12.8 billion, up 7.89% from fiscal 2024.
  • Strength: Net income was $872.7 million, or $17.14 per share (basic), a net margin of 6.75%.
  • Assurant, Inc. (AIZ) is an Insurance Property & Casualty company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, AIZ traded at $283.31, a market capitalization of $13.9 billion.
  • At that price the stock trades at 13.4× trailing-twelve-month earnings and 1.0× sales; its P/E is higher than 39% of its own readings over the past ten years.
  • Assurant, Inc. pays an annual dividend of $3.52 per share, a yield of 1.24%, with a payout ratio of 16.8%.
  • Return on equity was 15.8% and debt-to-equity 0.36.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Assurant, Inc. (AIZ) Latest News

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stockrow.com/AIZ · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com