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Stocks / United States / AIZ · Insurance Carriers, Nec · NYSE

Assurant, Inc. (AIZ)

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Assurant, Inc. (AIZ) reported revenue of $3.5 billion for Q2 FY2026, the quarter ended 30 June 2026, up 9.4% on the same quarter a year earlier. Net income was $299 million, up 26.9% on the year, and diluted earnings per share $5.95. The figures are the company's own, from the 10-Q it filed with the SEC on 6 August 2026.

Revenue$3.5 billionup 9.4%
Net income$299 millionup 26.9%
Diluted EPS$5.95
QuarterQ2 FY2026ended 30 June 2026

Ratios

From the filings

ROE17.4%
ROCE21.8%
Operating margin9.9%
Net margin7.9%
FCF margin12.3%
Interest cover11.76
Debt to equity0.35
Cash conversion1.76
Share count, 1 year-2.3%
Sales CAGR, 3 years7.9%
Profit CAGR, 3 years46.7%
EPS, TTM$20.90

At the close of 21 September 2026

Price$277.38
Market cap$13.7 billion
Stock P/E13.27
Price to book2.25
EV / EBITDA7.52
Dividend yield1.2%
Market cap / sales1.02
52-week high$301.57
52-week low$207.70
Price, 1 year32.3%
Price CAGR, 3 years24.1%
Price CAGR, 5 years11.6%

Every figure is arithmetic on the filed lines (hover a name for the formula); the priced ones use the latest daily close, CBOE delayed quotes, daily history, by CBOE, for splits. Debt to equity here stands on long-term debt as Assurant, Inc. files it, at the balance sheet of 31 December 2019, the latest that carries it, with lease liabilities counted separately and never inside it. Nothing here is a valuation or a view.

Price, 17 September 2021 to 21 September 2026

Daily closes from CBOE delayed quotes, daily history, by CBOE, for splits; the last is 21 September 2026. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on AIZ

Filings15 in twelve months: 6 current reports (8-K), about 4 results of operations; 2 officer or director change; 1 shareholder vote
Planned insider sales8 Form 144 notices in twelve months, $13.4 million; latest 6 August 2026
Options tapeput/call 0.07 by open interest on 23 September 2026; the straddle prices a 4.7% move to 16 October 2026
Holders8 of the followed funds hold it; largest Geode Capital Management; 7 Schedule 13D or 13G filings in twelve months
Insider trading10 sales and 0 purchases on Form 4 in twelve months
Congress0 House trades disclosed in six months
Short interest1.4 million shares short, 4.17 days to cover at 31 August 2026
Documentsthe 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Quarterly results, the last 12 quarters

Q3 FY2023Q4 FY2023 *Q1 FY2024Q2 FY2024Q3 FY2024Q4 FY2024 *Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue2,7742,9832,8802,9252,9683,1053,0743,1583,2323,3503,4203,454
Operating income229227293233152250184289331284336377
Operating margin8%8%10%8%5%8%6%9%10%8%10%11%
Interest expense27.026.826.826.726.726.826.826.727.928.328.328.4
Pre-tax income229227293233152250184289331284336377
Tax rate17%19%19%19%12%19%20%19%20%21%18%21%
Net income190182236189134201147235266225274299
Net margin7%6%8%6%5%6%5%7%8%7%8%9%
Diluted EPS$3.54$3.39$4.47$3.58$2.55$3.86$2.83$4.56$5.17$4.37$5.41$5.95
Operating cash flow33036382.5711436103392266505671240454
Capital expenditure50.454.350.855.447.168.053.459.962.959.347.745.2
Free cash flow28030831.765638934.8339206442612193409
Buybacks49.312646.141.699.412064.363.381.894.312477.6
Dividends paid37.138.537.439.937.541.140.942.740.644.244.047.9
Shares outstanding53m52m52m52m51m51m51m51m50m50m50m49m
Filing10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Profit and loss, 12 fiscal years and the trailing twelve months

FY2014FY2015FY2016FY2017FY2018FY2019 FY2020 FY2021 FY2022FY2023FY2024FY2025TTM
Revenue10,38210,3257,5326,4158,0589,5699,59810,18810,19311,13211,87812,81413,456
Selling, general and administrative3,6883,9243,4432,7102,9803,1863,0483,241n/an/an/an/an/a
Operating income7442018494443345545157833508079271,0871,327
Operating margin7.2%1.9%11.3%6.9%4.1%5.8%5.4%7.7%3.4%7.2%7.8%8.5%9.9%
Interest expense58.455.157.649.5100111104112108108107110113
Pre-tax income7442018494443344555787713508079271,0871,327
Income tax27359.6283-75.180.914858.716873.3164167215264
Effective tax rate36.7%29.6%33.4%-16.9%24.3%32.6%10.2%21.8%20.9%20.4%18.0%19.7%19.9%
Net income4711425655202513834411,3622776427608731,064
Net margin4.5%1.4%7.5%8.1%3.1%4.0%4.6%13.4%2.7%5.8%6.4%6.8%7.9%
Diluted EPS$6.44$2.05$9.13$9.39$3.98$5.84$6.99$22.83$5.05$11.95$14.46$16.93$20.90
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K

Income statement lines from each year's 10-K, the year linked to its filing; TTM is the sum of the last four quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Cash flow and capital returned

FY2014FY2015FY2016FY2017FY2018FY2019 FY2020 FY2021 FY2022FY2023FY2024FY2025TTM
Operating cash flown/a2301095306571,4131,3427825971,1381,3331,8341,871
Capital expenditure83.611585.262.182.8110121187186202221236215
Free cash flown/a11523.44685741,3031,2215944119361,1111,5981,656
Free cash flow marginn/a1.1%0.3%7.3%7.1%13.6%12.7%5.8%4.0%8.4%9.4%12.5%12.3%
Depreciation and amortisation132137125116127126142172182196224250268
Share-based compensation49.438.841.635.557.155.957.966.762.675.181.185.791.6
Buybacks215293863389139272297839573193307304378
Dividends paid77.594.2125119134151155158150152156168177
Dividend per share$1.06$1.37$2.03$2.15$2.28$2.43$2.55$2.66$2.74$2.82$2.96$3.28n/a
Diluted shares, weighted73m69m62m55m60m62m63m60m55m54m53m51m50m
Shares outstanding at period end69m66m56m52m62m60m58m56m53m52m51m50m49m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K

Buybacks and dividends are the cash paid in the year, from the cash flow statement; the dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

FY2014FY2015FY2016FY2017FY2018FY2019 FY2020 FY2021 FY2022FY2023FY2024FY2025TTM
Total assets31,56230,04329,70931,84341,08944,29144,65033,91233,12433,63535,02136,29036,081
Cash and equivalents1,3191,2881,0329971,2541,8672,2082,0411,5371,6271,8081,8341,699
Goodwill8418348319182,3222,2052,5892,5722,6032,6092,6162,6462,656
Long-term debtn/an/an/a1,0682,0062,007n/an/an/an/an/an/an/a
Shareholders' equity5,1814,5244,0984,2715,1125,6535,9515,4644,2294,8105,1075,8726,098
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K

At the fiscal year end; the TTM column is the latest quarter end. A line the company does not tag under the usual name is left out.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded2.2%6.0%7.9%9.4%
Profit growth, compounded19.9%14.6%46.7%48.3%
Return on equity, average12.0%14.9%14.4%14.9%

Compounded growth is the latest fiscal year over the year that many years earlier, annualised; the TTM column is the last four quarters over the four before. Return on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Filings

FilingPeriodFiledWhere
10-Q30 June 20266 August 2026EDGAR
10-Q31 March 20267 May 2026EDGAR
10-K31 December 202519 February 2026EDGAR
10-Q30 September 20256 November 2025EDGAR
10-Q30 June 20257 August 2025EDGAR
10-Q31 March 20258 May 2025EDGAR
10-K31 December 202420 February 2025EDGAR
10-Q30 September 20247 November 2024EDGAR
10-Q30 June 20248 August 2024EDGAR
10-Q31 March 20249 May 2024EDGAR

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