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Assurant
Assurant (AIZ) investor relations material
Assurant Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Achieved ninth consecutive year of profitable growth, with double-digit increases in adjusted EBITDA and EPS, both excluding and including catastrophes for 2025.
2025 net income rose 15% to $872.7M, with strong performance across Global Lifestyle and Global Housing segments.
Recognized by Forbes and Fortune for employer excellence and innovation, reflecting a strong, collaborative culture.
Continued to expand partnerships, launch new products (e.g., Home Warranty), and invest in innovation, driving operational efficiencies and customer experience improvements.
Five-year average ROE of ~14% and return on tangible equity over 30%, delivering 93% total shareholder return.
Financial highlights
2025 adjusted EBITDA grew 11% and adjusted EPS 12% (ex-CATs); including catastrophes, adjusted EBITDA and EPS grew 16% and 19%.
Adjusted EBITDA (ex-CATs) reached $1.73B in 2025, with a 5-year CAGR of 11%; adjusted EPS (ex-CATs) was $22.81, with a 5-year CAGR of 17%.
GAAP net income for 2025 rose 15% to $872.7M; net earned premiums, fees, and other income for 2025 totaled $12.35B, up 8%.
Year-end liquidity stood at $887M; $468M returned to shareholders in 2025 via share repurchases and dividends.
Global Housing delivered 15% adjusted EBITDA growth (ex-CATs), marking the third consecutive year of double-digit earnings growth.
Outlook and guidance
2026 full-year adjusted EBITDA and EPS expected to be consistent with 2025 (ex-CATs), overcoming $113M prior-year reserve development and home warranty investments.
Excluding these impacts, mid- to high-single-digit growth in adjusted EBITDA and EPS (ex-CATs) anticipated.
Global Lifestyle expected to lead growth with high single-digit earnings expansion; Global Housing to show solid underlying growth.
2026 share repurchases guided at $250M–$350M, up from $200M–$300M in 2025.
Corporate and Other Adjusted EBITDA loss expected to approximate $140M, reflecting investments in Home Warranty.
What is the impact of 2025 PYD on 2026 outlook?
Detail Global Lifestyle's 2026 growth drivers
What is the strategy for Home Warranty investment?
Home Warranty: Strategy for market leadership
Lender-placed growth: Hardening market impact?
Share repurchase range: Rationale for 2026
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Next Assurant earnings date
Q1 20266 May, 2026
Assurant
Next Assurant earnings date
Q1 20266 May, 2026
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Frequently asked questions
Insurance and Risk Management
Assurant, previously known as Fortis, is an American insurance and risk management company operating globally. The company operates through two primary divisions: Global Housing and Global Lifestyle, providing various types of insurance solutions for its customers. Assurant is focused on providing a portfolio of specialty insurance products and solutions within property, casualty, and device protection. The headquarters are located in Atlanta, Georgia, and the shares of the company trade on the NYSE.
M&A’s
The modern form of the company has its roots in the La Crosse Mutual Aid Association, created in the 1890s in Wisconsin to provide disability insurance. Through a series of mergers and acquisitions, the company later transformed into the Time Insurance Company. In the late 1970s, the Dutch conglomerate, N.V. AMEV, acquired Time Insurance and embarked on a series of acquisitions, expanding its footprint in the U.S. insurance landscape. This journey culminated in the early 1990s when AMEV combined with VSB Groep NV, with Fortis emerging as the result Subsequently, the U.S. arm, AMEV Holdings, took on the Fortis name. In a strategic shift in 2004, Fortis' American operations were rebranded as Assurant and became an independent entity. In 2015, it announced its exit from the health insurance market to concentrate on housing and lifestyle protection products, selling parts of its health and employee benefits businesses while refining its core offerings.
When looking at the company’s modern-day peers we find names such as AIG, Progressive, and Allstate among the competition.
Global Housing
Assurant's Global Housing division provides solutions centered on housing protection and security. This segment encompasses a variety of insurance products and services tailored for homeowners, renters, and landlords. Offerings range from homeowners insurance, which covers property and liability risks, to renters insurance which protects tenants' personal belongings and offers liability coverage. Additionally, the Global Housing division provides lender-placed insurance solutions, ensuring continuous protection for properties when a homeowner's policy lapses. Specialty coverages for catastrophic events, such as floods, are also part of the division's portfolio.
Global Lifestyle
Assurant's Global Lifestyle division operates within of consumer protection related to electronic devices, appliances, and vehicles. This business unit offers a range of products and services, including extended service contracts, mobile device protection, and vehicle protection plans. Through partnerships with major industry entities, Assurant's Global Lifestyle provides coverage solutions against potential damages or malfunctions. The segment not only focuses on protective measures but also addresses the need for device repairs and replacements. With a structured approach to ensuring coverage and after-sales service, the Global Lifestyle segment aims to facilitate a structured support system for its clientele throughout the product's lifecycle.
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