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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Assurant
Assurant (AIZ) investor relations material
Assurant Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Nov, 2026
Executive summary
Q3 adjusted EBITDA excluding reportable catastrophes rose 12% to $484.1 million; adjusted EPS on the same basis increased 12% to $6.46.
Nine-month adjusted EBITDA and adjusted EPS, excluding catastrophes, grew 12% to $1,441.4 million and 13% to $19.36, respectively.
Performance supports a record 2026 and the goal of 10 consecutive years of profitable earnings growth.
Financial highlights
Q3 revenue rose to $3,529.5 million from $3,231.5 million; net income increased to $275.2 million from $265.6 million.
Nine-month revenue was $10,403.8 million versus $9,463.9 million; net income rose 31% to $847.9 million from $647.5 million.
Q3 adjusted EBITDA was $464.4 million, up 8%; excluding reportable catastrophes, it was $484.1 million, up 12%.
Q3 GAAP diluted EPS was $5.49, up 6%; adjusted diluted EPS was $6.15, up 7%.
Outlook and guidance
FY26 adjusted EBITDA growth is expected at ~10% and adjusted EPS growth in the low double digits, excluding catastrophes.
Excluding the $52 million lower favorable prior-year Housing reserve development, expected adjusted EBITDA growth is low-to-mid teens and adjusted EPS growth is mid-teens.
Segment outlook: Global Lifestyle adjusted EBITDA growth in the mid-to-high teens; Global Housing growth in the mid-single digits excluding catastrophes; Corporate and Other loss of ~$150 million.
FY26 outlook excludes Q4 prior-year reserve development; the 2025 comparison included $113 million of favorable development versus $61 million in the first nine months of 2026.
Planned FY26 share repurchases increased to $350 million, the top of the initial range, subject to M&A opportunities, market conditions and other conditions.
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Latest events from Assurant
- Record Q2 earnings, 18% EBITDA and 19% EPS growth, and raised full-year outlook.AIZ
Q2 2026 - Profitable growth, board updates, and key proposals approved; dividend raised for 21st year.AIZAGM 2026
- Record Q1 earnings, 87% net income growth, strong capital returns, and raised 2026 outlook.AIZQ1 2026
- Director elections, auditor ratification, and key compensation votes set for May 2026 meeting.AIZProxy filing
- Strong 2025 growth, robust governance, and key votes on compensation and equity plan ahead.AIZProxy filing
- Double-digit profit and net income growth, strong segments, and home warranty entry highlight 2025.AIZQ4 2025
- Q3 2025 net income nearly doubled, with double-digit adjusted EPS growth and raised outlook.AIZQ3 2025
- 2024 outlook raised as strong earnings growth continues despite higher catastrophe losses.AIZQ3 2024
- Q2 2024 delivered strong earnings growth and a raised outlook, led by Global Housing.AIZQ2 2024
Next Assurant earnings date
Q4 20262 Feb, 2027
Assurant
Next Assurant earnings date
Q4 20262 Feb, 2027
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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.