Assurant Inc Financials

AIZN

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Assurant Inc (AIZN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 43/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Assurant Inc's revenue grew 7.9% year-over-year to $12.8B, a solid pace of expansion. This earns a growth score of 51/100.

Leverage

Assurant Inc has elevated debt relative to equity (D/E of 5.18), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Assurant Inc has a free cash flow margin of 12.5%, earning a moderate score of 62/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Assurant Inc's ROE of 14.9% shows moderate profitability relative to equity, earning a score of 59/100. This is up from 14.9% the prior year.

Piotroski F-Score Neutral

6/9

Assurant Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.10x

For every $1 of reported earnings, Assurant Inc generates $2.10 in operating cash flow ($1.8B OCF vs $872.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$12.8B

YoY+7.9%

5Y CAGR+6.0%

10Y CAGR+2.2%

Assurant Inc generated $12.8B in revenue in fiscal year 2025. This represents an increase of 7.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$1.6B

YoY+43.8%

5Y CAGR+5.5%

10Y CAGR+30.1%

Assurant Inc generated $1.6B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 43.8% from the prior year.

Net Income

$872.7M

YoY+14.8%

5Y CAGR+14.6%

10Y CAGR+19.9%

Assurant Inc reported $872.7M in net income in fiscal year 2025. This represents an increase of 14.8% from the prior year.

EPS (Diluted)

$16.93

YoY+17.1%

5Y CAGR+19.4%

10Y CAGR+23.5%

Assurant Inc earned $16.93 per diluted share (EPS) in fiscal year 2025. This represents an increase of 17.1% from the prior year.

Cash & Debt

$1.8B

YoY+1.5%

5Y CAGR-3.6%

10Y CAGR+3.6%

Assurant Inc held $1.8B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$3.28

YoY+10.8%

5Y CAGR+5.2%

Assurant Inc paid $3.28 per share in dividends in fiscal year 2025. This represents an increase of 10.8% from the prior year.

Shares Outstanding

50M

YoY-2.2%

5Y CAGR-3.0%

10Y CAGR-2.6%

Assurant Inc had 50M shares outstanding in fiscal year 2025. This represents a decrease of 2.2% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

6.8%

YoY+0.4pp

5Y CAGR+2.2pp

10Y CAGR+5.4pp

Assurant Inc's net profit margin was 6.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.4 percentage points from the prior year.

Return on Equity

14.9%

YoY-0.0pp

5Y CAGR+7.5pp

10Y CAGR+11.7pp

Assurant Inc's ROE was 14.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.0 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$303.7M

YoY-1.2%

5Y CAGR+0.4%

10Y CAGR+0.4%

Assurant Inc spent $303.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 1.2% from the prior year.

Capital Expenditures

$235.5M

YoY+6.4%

5Y CAGR+14.2%

10Y CAGR+7.4%

Assurant Inc invested $235.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 6.4% from the prior year.

AIZN Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$12.8B+7.9%	$11.9B+6.7%	$11.1B+9.2%	$10.2B+0.1%	$10.2B+6.1%	$9.6B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	$3.2B+6.5%	$3.0B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$109.7M+2.5%	$107.0M-0.9%	$108.0M-0.3%	$108.3M-3.1%	$111.8M+7.0%	$104.5M
Income Tax	$214.7M+28.5%	$167.1M+1.7%	$164.3M+124.1%	$73.3M-56.5%	$168.4M+186.9%	$58.7M
Net Income	$872.7M+14.8%	$760.2M+18.3%	$642.5M+132.3%	$276.6M-79.7%	$1.4B+208.9%	$440.8M
EPS (Diluted)	$16.93+17.1%	$14.46+21.0%	$11.95+136.6%	$5.05-77.7%	$22.66+224.6%	$6.98

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$3.4B+3.7%	$3.2B+2.3%	$3.2B+2.7%	$3.1B-1.0%	$3.1B+4.6%	$3.0B+1.5%	$2.9B+1.6%	$2.9B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$28.3M+1.4%	$27.9M+4.5%	$26.7M-0.4%	$26.8M0.0%	$26.8M+0.4%	$26.7M0.0%	$26.7M-0.4%	$26.8M
Income Tax	$58.3M-11.1%	$65.6M+22.2%	$53.7M+44.7%	$37.1M-23.8%	$48.7M+175.1%	$17.7M-60.0%	$44.2M-21.8%	$56.5M
Net Income	$225.2M-15.2%	$265.6M+12.9%	$235.3M+60.5%	$146.6M-27.2%	$201.3M+50.4%	$133.8M-29.1%	$188.7M-20.2%	$236.4M
EPS (Diluted)	N/A	$5.17+13.4%	$4.56+61.1%	$2.83	N/A	$2.55-28.8%	$3.58-19.9%	$4.47

AIZN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$36.3B+3.6%	$35.0B+4.1%	$33.6B+1.6%	$33.1B-2.4%	$33.9B-24.0%	$44.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.8B+1.5%	$1.8B+11.1%	$1.6B+5.9%	$1.5B-24.7%	$2.0B-7.6%	$2.2B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.6B+1.2%	$2.6B+0.3%	$2.6B+0.2%	$2.6B+1.2%	$2.6B-0.7%	$2.6B
Total Liabilities	$30.4B+1.7%	$29.9B+3.8%	$28.8B-0.2%	$28.9B+1.5%	$28.5B-26.5%	$38.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$5.9B+15.0%	$5.1B+6.2%	$4.8B+13.7%	$4.2B-22.6%	$5.5B-8.2%	$6.0B
Retained Earnings	$4.8B+10.2%	$4.4B+8.7%	$4.0B+8.9%	$3.7B-8.5%	$4.0B+13.9%	$3.5B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$36.3B+1.4%	$35.8B+0.7%	$35.5B+1.5%	$35.0B-0.1%	$35.0B-0.9%	$35.3B+4.6%	$33.8B+1.6%	$33.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.8B+7.1%	$1.7B+15.2%	$1.5B-11.0%	$1.7B-7.6%	$1.8B-0.3%	$1.8B+5.9%	$1.7B+33.6%	$1.3B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.6B-0.1%	$2.6B+0.7%	$2.6B+0.4%	$2.6B+0.2%	$2.6B-0.4%	$2.6B+0.3%	$2.6B+0.4%	$2.6B
Total Liabilities	$30.4B+1.3%	$30.0B0.0%	$30.0B+0.9%	$29.8B-0.5%	$29.9B-0.5%	$30.1B+4.5%	$28.8B+1.6%	$28.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$5.9B+2.0%	$5.8B+4.7%	$5.5B+5.0%	$5.2B+2.5%	$5.1B-2.8%	$5.3B+5.0%	$5.0B+1.7%	$4.9B
Retained Earnings	$4.8B+2.1%	$4.7B+3.4%	$4.6B+3.2%	$4.4B+1.2%	$4.4B+1.3%	$4.3B+0.3%	$4.3B+2.8%	$4.2B

AIZN Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.8B+37.6%	$1.3B+17.1%	$1.1B+90.7%	$596.9M-23.6%	$781.7M-41.8%	$1.3B
Capital Expenditures	$235.5M+6.4%	$221.3M+9.3%	$202.5M+8.7%	$186.3M-0.6%	$187.4M+54.6%	$121.2M
Free Cash Flow	$1.6B+43.8%	$1.1B+18.8%	$935.6M+127.9%	$410.6M-30.9%	$594.3M-51.3%	$1.2B
Investing Cash Flow	-$1.5B-121.6%	-$657.8M-3.2%	-$637.7M-143.3%	-$262.1M-266.3%	$157.6M+121.4%	-$735.2M
Financing Cash Flow	-$364.2M+23.7%	-$477.5M-18.2%	-$403.9M+50.6%	-$818.4M+24.9%	-$1.1B-311.6%	-$264.8M
Dividends Paid	$168.4M+8.0%	$155.9M+2.4%	$152.3M+1.4%	$150.2M-4.7%	$157.6M+1.9%	$154.6M
Share Buybacks	$303.7M-1.2%	$307.4M+59.2%	$193.1M-66.3%	$572.8M-31.8%	$839.3M+182.6%	$297.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$671.0M+32.9%	$505.0M+90.2%	$265.5M-32.3%	$392.4M+281.7%	$102.8M-76.4%	$436.5M-38.6%	$710.9M+761.7%	$82.5M
Capital Expenditures	$59.3M-5.7%	$62.9M+5.0%	$59.9M+12.2%	$53.4M-21.5%	$68.0M+44.4%	$47.1M-15.0%	$55.4M+9.1%	$50.8M
Free Cash Flow	$611.7M+38.4%	$442.1M+115.0%	$205.6M-39.4%	$339.0M+874.1%	$34.8M-91.1%	$389.4M-40.6%	$655.5M+1967.8%	$31.7M
Investing Cash Flow	-$403.8M-49.8%	-$269.5M+25.7%	-$362.9M+13.9%	-$421.6M-693.8%	$71.0M+134.3%	-$207.2M-7.1%	-$193.4M+41.1%	-$328.2M
Financing Cash Flow	-$136.2M-2624.0%	-$5.0M+95.2%	-$104.3M+12.1%	-$118.7M+25.7%	-$159.7M-13.4%	-$140.8M-74.3%	-$80.8M+16.0%	-$96.2M
Dividends Paid	$44.2M+8.9%	$40.6M-4.9%	$42.7M+4.4%	$40.9M-0.5%	$41.1M+9.6%	$37.5M-6.0%	$39.9M+6.7%	$37.4M
Share Buybacks	$94.3M+15.3%	$81.8M+29.2%	$63.3M-1.6%	$64.3M-46.6%	$120.3M+21.0%	$99.4M+138.9%	$41.6M-9.8%	$46.1M

AIZN Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	6.8%+0.4pp	6.4%+0.6pp	5.8%+3.1pp	2.7%-10.7pp	13.4%+8.8pp	4.6%
Return on Equity	14.9%-0.0pp	14.9%+1.5pp	13.4%+6.8pp	6.5%-18.4pp	24.9%+17.5pp	7.4%
Return on Assets	2.4%+0.2pp	2.2%+0.3pp	1.9%+1.1pp	0.8%-3.2pp	4.0%+3.0pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.18-0.7	5.86-0.1	5.99-0.8	6.83+1.6	5.21-1.3	6.50
FCF Margin	12.5%+3.1pp	9.4%+1.0pp	8.4%+4.4pp	4.0%-1.8pp	5.8%-6.9pp	12.7%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	6.7%-1.5pp	8.2%+0.8pp	7.4%+2.7pp	4.8%-1.7pp	6.5%+2.0pp	4.5%-1.9pp	6.5%-1.8pp	8.2%
Return on Equity	3.8%-0.8pp	4.6%+0.3pp	4.3%+1.5pp	2.8%-1.1pp	3.9%+1.4pp	2.5%-1.2pp	3.8%-1.0pp	4.8%
Return on Assets	0.6%-0.1pp	0.7%+0.1pp	0.7%+0.2pp	0.4%-0.2pp	0.6%+0.2pp	0.4%-0.2pp	0.6%-0.2pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.18-0.0	5.21-0.2	5.46-0.2	5.68-0.2	5.86+0.1	5.72-0.0	5.750.0	5.75
FCF Margin	18.3%+4.6pp	13.7%+7.2pp	6.5%-4.5pp	11.0%+9.9pp	1.1%-12.0pp	13.1%-9.3pp	22.4%+21.3pp	1.1%

Frequently Asked Questions

What is Assurant Inc's annual revenue?

Assurant Inc (AIZN) reported $12.8B in total revenue for fiscal year 2025. This represents a 7.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Assurant Inc's revenue growing?

Assurant Inc (AIZN) revenue grew by 7.9% year-over-year, from $11.9B to $12.8B in fiscal year 2025.

Is Assurant Inc profitable?

Yes, Assurant Inc (AIZN) reported a net income of $872.7M in fiscal year 2025, with a net profit margin of 6.8%.

What is Assurant Inc's earnings per share (EPS)?

Assurant Inc (AIZN) reported diluted earnings per share of $16.93 for fiscal year 2025. This represents a 17.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Assurant Inc's net profit margin?

Assurant Inc (AIZN) had a net profit margin of 6.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Assurant Inc pay dividends?

Yes, Assurant Inc (AIZN) paid $3.28 per share in dividends during fiscal year 2025.

What is Assurant Inc's return on equity (ROE)?

Assurant Inc (AIZN) has a return on equity of 14.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Assurant Inc's free cash flow?

Assurant Inc (AIZN) generated $1.6B in free cash flow during fiscal year 2025. This represents a 43.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Assurant Inc's operating cash flow?

Assurant Inc (AIZN) generated $1.8B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Assurant Inc's total assets?

Assurant Inc (AIZN) had $36.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Assurant Inc's capital expenditures?

Assurant Inc (AIZN) invested $235.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Assurant Inc buy back shares?

Yes, Assurant Inc (AIZN) spent $303.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Assurant Inc have outstanding?

Assurant Inc (AIZN) had 50M shares outstanding as of fiscal year 2025.

What is Assurant Inc's debt-to-equity ratio?

Assurant Inc (AIZN) had a debt-to-equity ratio of 5.18 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Assurant Inc's return on assets (ROA)?

Assurant Inc (AIZN) had a return on assets of 2.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Assurant Inc's Piotroski F-Score?

Assurant Inc (AIZN) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Assurant Inc's earnings high quality?

Assurant Inc (AIZN) has an earnings quality ratio of 2.10x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Assurant Inc?

Assurant Inc (AIZN) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.