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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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Latest events from Assurant
- Q2 2024 saw strong earnings and a raised outlook, led by Global Housing and Connected Living.AIZ
Q2 20242 Feb 2026 - 2024 outlook raised as strong earnings growth offsets higher catastrophe losses.AIZQ3 202416 Jan 2026
- Double-digit earnings and EPS growth in 2024, with strong capital returns and 2025 growth outlook.AIZQ4 20248 Jan 2026
- 2024 results, governance, and ESG drive key proxy votes, with Board favoring 25% special meeting threshold.AIZProxy Filing1 Dec 2025
- 2024 results highlight growth, governance enhancements, and expanded shareholder rights proposals.AIZProxy Filing1 Dec 2025
- Key votes include director elections, auditor ratification, and charter changes for shareholder rights.AIZProxy Filing1 Dec 2025
- Q1 2025 saw double-digit adjusted earnings growth but net income fell on higher catastrophe losses.AIZQ1 202526 Nov 2025
- Q2 2025 saw 25% net income growth, double-digit EBITDA/EPS gains, and a raised full-year outlook.AIZQ2 202523 Nov 2025
- Q3 2025 net income nearly doubled, prompting a raised outlook for double-digit EPS growth.AIZQ3 20256 Nov 2025
Next Assurant earnings date
Q1 20266 May, 2026
Assurant
Next Assurant earnings date
Q1 20266 May, 2026
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