KabuDo

AIZ Insurance

Assurant, Inc.

Assurant protects and services consumers' phones, electronics, cars, and homes — but sells almost entirely through other companies: mobile carriers, retailers, auto dealers, banks, mortgage servicers, and property managers that offer its coverage to their own customers. Its Global Lifestyle segment covers mobile device protection and trade-in, extended service contracts, and vehicle service contracts; Global Housing provides lender-placed homeowners insurance (coverage a mortgage servicer buys when a borrower's own insurance lapses) and renters insurance. FY2025 revenue was $12.8 billion and net income $873 million, up 15%.

Latest 10-K (primary source) ↗Website ↗Investor relations ↗

Last updated

Analysis last edited: October 4, 2026 · Financial data fetched: October 4, 2026 11:06 (SEC EDGAR) · Source 10-K filed: February 19, 2026

Next update expectedAfter FY2026’s 10-K is filed (roughly 60–90 days after fiscal year end (sooner for larger filers)), financials and analysis will be refreshed.

01

Company profile

Legal name
ASSURANT, INC.
Headquarters
ATLANTA, GA
Incorporated in
Delaware
Fiscal year end
12/31
Exchange & ticker
NYSE: AIZ
Industry
Insurance
CIK
1267238
Website
https://www.assurant.com/ ↗
IR page
https://ir.assurant.com/ ↗

Workforce (as of FY2025 year-end)

  • Employees

    14,800

Source: Form 10-K (FY2025) cover page and business description

02

Earnings calendar

When the company reports each quarter: the quarter-end date, the day results were released, and when the 10-Q or 10-K was filed.

Next report

Q3 FY2026

Quarter end: September 2026. In past years, Q3 results were released 16–35 days after quarter end (Nov 4, 2025; Oct 16, 2024; Oct 31, 2023). No date has been announced in the sources this site uses.

Reporting pattern

  • Fiscal year ends around December 31.
  • Reports four times a year: three quarterly reports (10-Q) and an annual report (10-K) for Q4.
  • Earnings releases came 15–41 days after quarter end over the last 12 quarters.
QuarterQuarter endedEarnings release (8-K)Report filed (10-Q / 10-K)
Q2 FY2026Jun 30, 2026Aug 4, 2026 (+35 days)Aug 6, 2026 10-Q (+37 days)
Q1 FY2026Mar 31, 2026May 5, 2026 (+35 days)May 7, 2026 10-Q (+37 days)
Q4 FY2025Dec 31, 2025Feb 10, 2026 (+41 days)Feb 19, 2026 10-K (+50 days)
Q3 FY2025Sep 30, 2025Nov 4, 2025 (+35 days)Nov 6, 2025 10-Q (+37 days)
Q2 FY2025Jun 30, 2025Aug 5, 2025 (+36 days)Aug 7, 2025 10-Q (+38 days)
Q1 FY2025Mar 31, 2025May 6, 2025 (+36 days)May 8, 2025 10-Q (+38 days)
Q4 FY2024Dec 31, 2024Jan 23, 2025 (+23 days)Feb 20, 2025 10-K (+51 days)
Q3 FY2024Sep 30, 2024Oct 16, 2024 (+16 days)Nov 7, 2024 10-Q (+38 days)
Q2 FY2024Jun 30, 2024Jul 15, 2024 (+15 days)Aug 8, 2024 10-Q (+39 days)
Q1 FY2024Mar 31, 2024May 7, 2024 (+37 days)May 9, 2024 10-Q (+39 days)
Q4 FY2023Dec 31, 2023Feb 6, 2024 (+37 days)Feb 15, 2024 10-K (+46 days)
Q3 FY2023Sep 30, 2023Oct 31, 2023 (+31 days)Nov 2, 2023 10-Q (+33 days)

Source: SEC EDGAR filing history. Release dates are the dates the earnings release was furnished to the SEC on Form 8-K (Item 2.02), which is normally the day results are announced. Fiscal years are labeled by the calendar year in which they end.

03

Flagship products & services

  • Global Lifestyle

    Mobile device solutions

    Examples: Device protection, trade-in and upgrade programs, certified pre-owned devices

    End-to-end device lifecycle services for carriers and OEMs.

  • Global Lifestyle

    Extended service contracts and financial services

    Examples: Electronics and appliance protection, credit card and bank account benefits

    Through retailers and financial institutions.

  • Global Lifestyle

    Vehicle service contracts

    Examples: Mechanical breakdown coverage, guaranteed asset protection

    Global Automotive: $4.2B of revenue in 2025.

  • Global Housing

    Lender-placed and renters insurance

    Examples: Lender-placed homeowners and flood, renters insurance

    Homeowners $2.19B and Renters and Other $576M of revenue in 2025.

Descriptions and figures are from the FY2025 Form 10-K's Item 1.

04

Recent strategic focus

FY2025 developments from the 10-K.

  1. New carrier agreement

    Assurant signed a new agreement with a large U.S. mobile carrier and expanded its reverse logistics business in mobile.

    Source: Form 10-K (FY2025) Item 1

  2. New renters book

    Assurant acquired a new renters insurance book in 2025, contributing to growth in Renters and Other.

    Source: Form 10-K (FY2025) Item 1 and MD&A

  3. Leadership changes

    Michael Campbell, head of Global Housing, became Chief Operating Officer in September 2025, and Ryan Lumsden succeeded him as President of Global Housing.

    Source: Form 10-K (FY2025) Item 1

Capex ÷ D&A (FY2025)

0.94x

Roughly matches depreciation — mostly maintenance/replacement

formulacapital expenditures ÷ depreciation & amortization

e.g.$236M ÷ $250M = 0.94x

termsCapital expenditures (capex) · Depreciation & amortization (D&A)

M&A spend (5-year total)

$126M

Latest year: $24M

Cash-flow-statement spending on acquisitions, net of cash acquired

Where the money goes, over time

Unit: $M. Capex went from $187M in FY2021 to $236M in FY2025

  • Capex
  • M&A spend

formulacapital expenditures ÷ depreciation & amortization

termsCapital expenditures (capex) · Depreciation & amortization (D&A)

Source: each period's Form 10-K (SEC EDGAR). Latest: filed 2026-02-19

05

Key figures at a glance

FY2021–FY2025, 5 years.

Total revenue (FY2025)

$12.81B

As reported in the 10-K

Revenue CAGR (4 years)

+5.9%▲favorable

formula(last-period revenue ÷ first-period revenue) ^ (1 ÷ years) − 1

e.g.($12,814M ÷ $10,188M) ^ (1÷4) − 1 = 5.9%

termsCAGR · ^ (exponent) · Revenue (net sales)

ROE (FY2025)

15.9%▲favorable

5-year average: 15.2%

As reported in the 10-K

P/B (FY2025 end)

2.04x

formulaP/E × EPS ÷ BVPS (= period-end share price ÷ book value per share)

e.g.14.2x × $16.93 ÷ $117.92 = 2.04x

termsP/B · P/E · EPS · BVPS

Period-end (fiscal year-end) value, not today's P/B

  • ▲

    Revenue grew +5.9% a year over 4 years (strong growth)

    From $10.19B in FY2021 to $12.81B in FY2025. The annualized rate (CAGR) makes it possible to compare growth pace across companies of different sizes.

  • ▲

    Free cash flow was positive in 5 of 5 years

    Operating cash flow minus capital expenditures: the cash left over after funding the business’s own investment, available for dividends, buybacks, acquisitions, or debt paydown. A negative year can mean heavy investment, or weak core earnings — worth distinguishing.

  • ▲

    ROE averaged 15.2% over 5 years (latest: 15.9%)

    How much profit was generated on shareholders’ equity. Roughly 10%+ is often cited as solid for a U.S. company, though this varies a lot by industry and capital intensity.

06

Business model

Global Lifestyle

Protection and services for mobile devices, consumer electronics and appliances, and vehicles, sold through carriers, device makers, cable operators, retailers, auto dealers, and financial institutions. In mobile, Assurant handles the device lifecycle — claims, repair, trade-in and upgrade programs, and resale of refurbished devices.

Global Lifestyle: how money and goods flow

  1. 01 what it draws on

    Inputs & resources

    • Partnerships with carriers, OEMs, retailers, dealers, and banks
    • Repair, logistics, and claims operations
    • Underwriting capital

  2. 02 what it does

    Activities

    • Underwriting and administering protection contracts
    • Repairing, refurbishing, and reselling devices
    • Running trade-in and upgrade programs

  3. 03 who it serves

    Customers

    • Clients' end consumers — mobile subscribers, electronics buyers, vehicle owners, cardholders

  4. 04 how money comes in

    How it earns

    • Premiums and fees on protection contracts
    • Service fees and device sales

Global Lifestyle: how it makes money

  • Revenue $9.58B (+7%) and Adjusted EBITDA $801M (non-GAAP) in FY2025.
  • Mobile device solutions were 53.0% of Connected Living revenue in 2025, up from 44.8% in 2023.
  • About 80.7% of segment revenue came from North America, 7.7% from Latin America, 5.9% from Europe, and 5.7% from Asia Pacific.

Global Housing

Lender-placed homeowners, manufactured housing, and flood insurance for mortgage lenders and servicers; renters insurance distributed through property managers; and administration of the U.S. National Flood Insurance Program, where Assurant is the second-largest administrator.

Global Housing: how money and goods flow

  1. 01 what it draws on

    Inputs & resources

    • Insurance-tracking systems linked to clients' mortgage portfolios
    • Reinsurance for catastrophe protection

  2. 02 what it does

    Activities

    • Tracking clients' loans for insurance lapses
    • Issuing lender-placed policies automatically
    • Selling renters insurance

  3. 03 who it serves

    Customers

    • Mortgage lenders and servicers, property managers, and their borrowers and renters

  4. 04 how money comes in

    How it earns

    • Insurance premiums
    • Fees for administering the NFIP (100% reinsured to the U.S. government)

Global Housing: how it makes money

  • Revenue $2.77B (+13%) and Adjusted EBITDA $859M (+28%) in FY2025, with $46M lower reportable catastrophe losses.
  • Lender-placed placement rates rose in some areas, including California and Texas, as voluntary homeowners coverage became harder to get.

Revenue by segment (FY2025)

Unit: $M — bar length = revenue, (%) = share of total company revenue, margin = segment profit ÷ segment revenue × 100

  • Global Lifestyle

    9,583 (78%)

    profit 801 · margin 8.4%

  • Global Housing

    2,769 (22%)

    profit 859 · margin 31.0%

Source: Form 10-K (FY2025) — Item 1, Segments, and Note 5 Revenue is net earned premiums, fees and other income; profit is segment Adjusted EBITDA, a non-GAAP measure. Corporate and Other (Adjusted EBITDA of −$124M) isn't shown.

07

Contract structure

Short-term or spot sales carry different earnings quality than long-term or auto-renewing contracts — this shows how the company actually contracts with its customers.

Assurant's revenue comes through business-to-business-to-consumer partnerships: it signs agreements with companies that offer its products to their customers, and earns premiums and fees over the term of each protection contract. Many client agreements are exclusive, so keeping and renewing a few large clients matters a great deal.

  • Multi-year / recurring

    Lender-placed insurance agreements

    Part of Global Housing revenue ($2.77B)

    Typical term: Typically three to five years; the majority are exclusive

    Policies issue automatically when a borrower's coverage lapses; not individually underwritten.

  • Device, electronics, and vehicle protection programs

    Global Lifestyle revenue ($9.58B)

    Typical term: Revenue recognized over each protection contract's term

    Dependent on a few clients, especially mobile carriers and cable operators.

  • NFIP administration

    Part of Renters and Other ($576M)

    Typical term: Fees for collecting premiums and processing claims

    100% reinsured to the U.S. government.

Source: Form 10-K (FY2025) — Item 1 and Note on revenue

08

Customers & suppliers

Who the company sells to and buys from. Companies rarely name either, so named counterparties come only from the company's own filings and press releases; otherwise this lists the concentration figures the 10-K discloses.

Customers

Assurant's direct clients are businesses — mobile carriers, device makers, cable operators, retailers, auto dealers, financial institutions, mortgage lenders and servicers, and property managers — that offer its products to their own customers.

Named by the company

The 10-K doesn't name clients; it says a new agreement was signed with 'a large U.S. mobile carrier.'

What the filings disclose

  • Each segment receives a substantial portion of its revenue from a few clients. (Form 10-K (FY2025), Item 1A)
  • The majority of lender-placed agreements are exclusive, typically with three-to-five-year terms. (Form 10-K (FY2025), Item 1)

Suppliers

Reinsurers that absorb catastrophe risk, and repair and logistics networks for devices and vehicles.

Named by the company

None named in the 10-K or the company’s press releases.

What the filings disclose

  • 2025 reinsurance premiums were $203.2M; the main U.S. per-occurrence catastrophe program provides $1.76B of coverage. (Form 10-K (FY2025), Item 1)
  • The NFIP business is 100% reinsured to the U.S. government. (Form 10-K (FY2025), Item 1)

09

Competitors & peers

Competitors the 10-K names, and the peer group the company itself chose in its proxy statement. Nothing here is this site's own pick.

Assurant's 10-K says no single competitor competes with it in all its business lines; it competes with insurers, warranty and protection companies, financial services firms, device repair and logistics companies, technology and software companies, and specialists focused on one market. No company is named.

Competitors named in the 10-K

Assurant's 10-K doesn't name competitors.

Peer group the company chose

2025 compensation peer group, from the proxy statement. Peers are companies the board considers comparable — for example when setting executive pay — not necessarily direct competitors.

Companies of similar size, complexity, business focus, and executive talent market: revenue of about $3–30 billion, total assets of $10–100 billion, market capitalization of about $2–20 billion, and roughly 4,000–42,000 employees.

Source: Proxy statement (DEF 14A, filed 2026-04-06) — Compensation Discussion and Analysis, peer group

Company names link to this site’s analysis where one exists; “site ↗” opens the company’s own website.

10

Five years of financials

Each chart's axis holds a single unit (never mixing dollars, %, and $/share). The table's per-period header links to the filing the numbers came from.

Total revenue over time

Unit: $M

Source: each period's Form 10-K (SEC EDGAR). Latest: filed 2026-02-19

Profit over time (operating → net)

Unit: $M

  • Pretax income
  • Net income

Source: each period's Form 10-K (SEC EDGAR). Latest: filed 2026-02-19

Cash flow over time

Unit: $M (below zero = cash went out)

  • Operating CF
  • Investing CF
  • Free CF

formulacash flow from operations − capital expenditures

termsFree cash flow (FCF) · Cash flow from operations (operating CF) · Capital expenditures (capex)

Source: each period's Form 10-K (SEC EDGAR). Latest: filed 2026-02-19

Financial stability & capital efficiency

Unit: %

  • Equity ratio
  • ROE

formulatotal equity ÷ total assets × 100 (as reported in the 10-K)

termsStockholders’ equity · Total assets

formulanet income ÷ average equity (beginning + ending, ÷2) × 100 (as reported in the 10-K)

termsNet income (attributable to the company) · Stockholders’ equity

Earnings per share (EPS) and dividend per share

Unit: $

  • EPS
  • Dividend per share

Source: each period's Form 10-K (SEC EDGAR). Latest: filed 2026-02-19

Line itemFY202110-K on EDGAR ↗FY202210-K on EDGAR ↗FY202310-K on EDGAR ↗FY202410-K on EDGAR ↗FY202510-K on EDGAR ↗
Income statement ($M)
Revenue10,18810,19311,13211,87812,814
Pretax income7713508079271,087
Net income (attributable)1,362277643760873
Revenue growthcalc(this year’s revenue − last year’s revenue) ÷ last year’s revenue × 100—0.1%9.2%6.7%7.9%
Net margincalcnet income attributable to the company ÷ revenue × 10013.4%2.7%5.8%6.4%6.8%
Balance sheet ($M)
Total assets33,92133,11733,63535,02136,290
Total equity5,4644,2294,8105,1075,872
Interest-bearing debtSum of short- and long-term borrowings, notes/bonds payable2,2032,1302,0812,0832,207
Equity ratio16.1%12.8%14.3%14.6%16.2%
ROE24.9%5.7%14.2%15.3%15.9%
Cash flow ($M)
Operating CF7825971,1381,3331,834
Investing CF158-262-638-658-1,458
Financing CF-1,090-818-404-477-364
Free cash flowcalccash flow from operations − capital expenditures5944119361,1111,598
Cash and equivalents2,0411,5371,6271,8081,834
Per share & other
EPS ($)22.665.0511.9514.4616.93
BVPS ($)98.0080.0492.57100.46117.92
Dividend per share ($)2.662.742.822.963.28
Payout ratiocalcdividend per share ÷ diluted EPS × 10011.7%54.3%23.6%20.5%19.4%
P/E (x)6.924.814.114.814.2
P/B (x)calcP/E × EPS ÷ BVPS (= period-end share price ÷ book value per share)1.591.561.822.122.04

P/B and EV/EBITDA use each period’s period-end (fiscal year-end) figures, not the current share price. Figures without a "calc" tag are as reported in the Form 10-K (five-year selected financial data and the consolidated financial statements), pulled automatically from SEC EDGAR. Where a later filing restated a prior period, the restated figure is used.

11

Is ROIC above WACC?

ROIC (the return on money invested in the business) above WACC (the cost of raising that money) means the company is creating value. WACC is an estimate, so its assumptions can be adjusted below.

Banks, insurers, and similar financial companies aren’t compared this way, since deposits/policies are the business itself and debt can’t be cleanly separated from operating capital.

12

What the price implies (DCF)

A company's value can be written as its free cash flow divided by (cost of capital − perpetual growth). Working that backwards from the market's valuation shows how much growth the share price assumed — compared here with the company's actual past growth.

Not applied to banks, insurers, and similar financial companies: their operating cash flow includes deposits or premiums held for customers, so it isn’t free cash flow available to investors.

13

Earnings quality

The same reported profit can mean different things depending on whether it's backed by cash, driven by the core business, or the result of a one-off item. Four checks below.

Financial companies’ operating cash flow behaves differently from an operating company’s, so this analysis doesn’t apply.

14

Strengths & weaknesses

Strengths

  1. 1. Embedded in partners' sales

    Assurant's products are sold by carriers, retailers, dealers, banks, and mortgage servicers, and it runs the claims, repair, and logistics behind them — the 10-K says owning multiple pieces of the value chain lets it offer end-to-end solutions.

    Evidence: Form 10-K (FY2025) Item 1

  2. 2. Growth in both segments

    Global Lifestyle revenue rose 7% and Global Housing revenue 13% in 2025, and net income rose 15% to $873M.

    Evidence: Form 10-K (FY2025) MD&A

  3. 3. Lender-placed demand rising

    Placement rates increased in some areas, including California and Texas, as voluntary homeowners insurance became less available.

    Evidence: Form 10-K (FY2025) Item 1

  4. 4. Steady capital return

    Dividends per share rose every year from $2.66 (FY2021) to $3.28 (FY2025), and shares outstanding fell from 56M to 50M.

    Evidence: SEC EDGAR XBRL

Weaknesses

  1. 1. Dependence on a few clients

    Each segment gets a substantial portion of its revenue from a few clients — in Global Lifestyle especially mobile carriers and cable operators — and losing one could materially hurt results.

    Evidence: Form 10-K (FY2025) Item 1 and Item 1A

  2. 2. Catastrophe exposure in housing

    Homeowners, manufactured housing, and other property lines are exposed to hurricanes and other catastrophes, which usually hit in the second half of the year.

    Evidence: Form 10-K (FY2025) Item 1

  3. 3. Goodwill-heavy balance sheet

    Goodwill from acquisitions was $2.65B, or 45% of total equity, at year-end 2025.

    Evidence: Form 10-K (FY2025) Item 1A and MD&A

15

What draws investors to it

Why the stock can look attractive to investors — each point paired with what has to hold for it to stay true, and the opposing view. This is this site's analysis, not a recommendation to buy or sell.

P/E (FY2025)

14.2x

Price at fiscal year-end ÷ diluted EPS

Dividend yield (FY2025)

1.36%

Dividends per share ÷ fiscal year-end price

Payout ratio (FY2025)

19%

Dividends per share ÷ diluted EPS

  1. 1. Growth in less obvious insurance niches

    Device protection and lender-placed insurance grew revenue 7% and 13% in 2025, and net income rose 15%.

    What has to hold
    Major clients renew and device and housing markets hold up.
    The other side
    A few clients provide much of each segment's revenue, so one lost contract can change the picture.

    Evidence: Form 10-K (FY2025) MD&A and Item 1A

  2. 2. Rising dividend and buybacks

    Dividends per share rose every year from $2.66 to $3.28 over FY2021–FY2025, and Assurant returned $468M to shareholders in 2025.

    What has to hold
    Subsidiaries keep sending capital to the parent — $925M in 2025.
    The other side
    A severe hurricane season could absorb capital.

    Evidence: Form 10-K (FY2025) Item 1; SEC EDGAR XBRL

P/E, dividend yield, and payout ratio use the FY2025 year-end share price. FCF yield isn't shown for insurers because operating cash flow includes premiums held to pay future claims.

16

Resilience

How well the company could absorb a bad year: its financial buffer, how its revenue and profit held up in the worst year on record, and what the 10-K says about the business's exposure to shocks. Figures and filing statements only — no overall rating.

1. Financial buffer (FY2025)

For an insurer or bank, debt-coverage ratios like these don’t describe its ability to absorb losses — that depends on its capital, reserves, and investment portfolio, which are covered in part 3 below.

2. Worst year in the record, and the recovery

FigureWorst year-over-year changeBack to the prior level?
RevenueNo decline in the record—
Net income-79.7% in FY2022 ($1.36B → $277M)Not yet, as of FY2025

Covers only the 5 fiscal years on record (FY2021–FY2025), which may not include a full recession — the worst year here isn’t necessarily how the company would fare in a severe downturn.

3. Business resilience (from the 10-K)

  • Moderate leverage

    Debt to total capital was 27.3% at year-end 2025; in August 2025 Assurant refinanced its 2026 notes with new notes due 2036.

    Source: Form 10-K (FY2025), Item 1

  • Cash from subsidiaries

    Subsidiaries paid $925M of dividends or returns of capital to the parent in 2025, net of capital infusions.

    Source: Form 10-K (FY2025), Item 1 and MD&A

  • Catastrophe reinsurance

    A reinsurance program with reinstatement provisions protects against multiple catastrophes in one year.

    Source: Form 10-K (FY2025), Item 1

  • Two different businesses

    Device and vehicle protection (Global Lifestyle) and housing insurance (Global Housing) respond to different risks, and the 10-K describes the model as creating earnings and capital diversification.

    Source: Form 10-K (FY2025), Item 1

17

Risks (including geopolitical)

Starting from the 10-K's Risk Factors section, organized by category — geopolitical, currency, raw materials, regulatory, disaster, and more — with impact and likelihood assessed by this site.

Risk map

Vertical = impact on results, horizontal = likelihood. Upper right = most severe. Numbers match the list below (placement is this site’s own assessment).

Impact
High
1
Med
34
2
Low
LowMedHigh

Likelihood →

"Company disclosure" vs. "this site’s assessment"

The description and mitigation for each risk are this site’s summary of the 10-K’s "Risk Factors" section. Impact and likelihood are this site’s own assessment, not the company’s — where the company discloses its own likelihood assessment, that is noted in the summary.

Impact is judged from how large the affected business is relative to total revenue/profit, and from the risk’s track record of moving results in the past. Likelihood is judged from the filing’s wording and the current business environment (already occurring, or recurring).

  1. 1Customer/supplier concentration

    Losing a major client

    Company disclosure (summarized from the 10-K)
    Many client agreements are exclusive, and a few clients provide a substantial portion of each segment's revenue; non-renewal or worse terms would hit results.
    Company’s stated mitigation
    Multi-year agreements and integrated systems with clients.
    This site’s assessment
    Impact High / Likelihood Med
  2. 2Disaster

    Catastrophes and climate change

    Company disclosure (summarized from the 10-K)
    Hurricanes and other catastrophes hit homeowners, renters, and flood lines, and inflation in materials and labor raises claim costs.
    Company’s stated mitigation
    A reinsurance program costing $203M in 2025, with $1.76B of U.S. per-occurrence coverage in the main program, plus reinstatement provisions.
    This site’s assessment
    Impact Med / Likelihood High
  3. 3Demand & macro

    Device and housing cycles

    Company disclosure (summarized from the 10-K)
    Mobile results move with trade-in and upgrade volumes tied to new device releases and carrier promotions; lender-placed results depend on the housing market and placement rates.
    Company’s stated mitigation
    Diversification across mobile, electronics, auto, and housing.
    This site’s assessment
    Impact Med / Likelihood Med
  4. 4Law & regulation

    Insurance and consumer regulation

    Company disclosure (summarized from the 10-K)
    Pricing of lender-placed and other products is subject to regulatory constraints.
    Company’s stated mitigation
    Pricing reviews, including built-in inflation adjustments.
    This site’s assessment
    Impact Med / Likelihood Med

18

What to watch going forward

  • Renewals with the largest mobile carrier and mortgage servicer clients.
  • Hurricane season results in Global Housing.
  • Placement rates in lender-placed insurance as the homeowners market shifts.
  • Growth of mobile programs and device trade-in volumes.

19

Source documents

This page's financial figures come from the Form 10-Ks listed below. Check the original filings for full detail.

Form 10-K (FY2025)Accession no. 0001267238-26-000010 — filed 2026-02-19Open on EDGAR ↗Form 10-K (FY2024)Accession no. 0001267238-25-000008 — filed 2025-02-20Open on EDGAR ↗Form 10-K (FY2023)Accession no. 0001267238-24-000008 — filed 2024-02-15Open on EDGAR ↗Form 10-K (FY2022)Accession no. 0001267238-23-000007 — filed 2023-02-17Open on EDGAR ↗Form 10-K (FY2021)Accession no. 0001267238-22-000006 — filed 2022-02-22Open on EDGAR ↗Assurant, Inc. investor relations pageEarnings releases, investor presentations, etc. (official company source)Open website ↗

Last updated

Analysis last edited: October 4, 2026 · Financial data fetched: October 4, 2026 11:06 (SEC EDGAR) · Source 10-K filed: February 19, 2026

Next update expectedAfter FY2026’s 10-K is filed (roughly 60–90 days after fiscal year end (sooner for larger filers)), financials and analysis will be refreshed.

This page is this site’s own analysis based on public information, and does not represent Assurant, Inc.’s views. It is not a recommendation to buy or sell any security, and this site does not guarantee the accuracy of any figure or statement here. Always verify against the original source documents before making an investment decision.