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Assurant (AIZ) investor relations material
Assurant Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved 13% year-to-date growth in Adjusted EBITDA and 15% growth in Adjusted EPS, both excluding reportable catastrophes, with strong performance in Global Housing and Global Lifestyle segments.
Consolidated net income rose 99% year-over-year to $265.6M for Q3 2025, driven by lower catastrophe losses and growth in both Global Housing and Global Lifestyle.
Raised full-year 2025 outlook, expecting low double-digit growth in adjusted EPS and nearly 10% growth in adjusted EBITDA, excluding catastrophes.
Maintained strong capital position and disciplined capital return, with $487M cash generated and $331M returned to shareholders year-to-date.
Recognized by Time as one of the world's best companies for the third consecutive year.
Financial highlights
Q3 2025 Adjusted EBITDA (excluding catastrophes) grew 13% year-over-year to $434M; Adjusted EPS (excluding catastrophes) rose 13% to $5.76.
GAAP net income for Q3 2025 was $265.6M, up 99% from Q3 2024; nine-month net income rose 16% year-over-year.
Global Housing Q3 Adjusted EBITDA was $256M ($259M excluding catastrophes), up 13% year-over-year; Global Lifestyle Adjusted EBITDA up 12% to $207M.
Net earned premiums, fees, and other income for Global Lifestyle grew 7% year-over-year; Global Housing grew 16%.
Holding company liquidity at quarter end was $613M; $122M returned to shareholders in Q3 ($81M in share repurchases, $41M in dividends).
Outlook and guidance
Full-year 2025 adjusted EPS expected to grow low double digits; Adjusted EBITDA growth approaching 10%, both excluding catastrophes.
Global Housing and Global Lifestyle expected to deliver strong growth for the year; $300M in share repurchases planned.
Strategic investments of approximately $15M in 2025 for high-impact programs in Global Housing.
Additional investments and a new adjacent business program anticipated in 2026, with more details to be provided in February.
Depreciation expense expected at $150M, interest expense $110M, and effective tax rate between 19% and 21%.
How did lower catastrophes affect Q3'25 earnings?
What drove Global Housing's Q3'25 ex-catastrophe growth?
Update on share repurchase progress for 2025
Describe the new adjacent business program
Rank key drivers of Housing segment growth
Expected impact of new Connected Living deals
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Q4 202511 Feb, 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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