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Investor Relations14 Oct 2025
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Assurant (AIZ) investor relations material
Assurant Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Q2 2025 delivered strong results with 25% GAAP net income growth and 19% Adjusted EBITDA growth year-over-year, driven by Global Housing and Global Lifestyle segments, and lower catastrophe losses.
Adjusted EBITDA increased 14% and adjusted EPS rose 16% year-to-date, both excluding catastrophes.
Achieved a 12% five-year CAGR in adjusted EBITDA and 18% in adjusted EPS since 2019, excluding catastrophes.
Raised full-year 2025 outlook, now expecting adjusted EPS growth approaching 10% and adjusted EBITDA growth in the mid- to high single digits, both excluding catastrophes.
Share repurchase guidance increased to $250–$300 million, reflecting a robust capital position.
Financial highlights
Q2 2025 GAAP net income: $235.3M, up 25% year-over-year; Adjusted EBITDA: $386.0M, up 19%.
Adjusted EBITDA excluding catastrophes: $415.8M, up 13% year-over-year; adjusted EPS (ex. catastrophes): $5.56, up 17%.
Q2 2025 revenues grew 8% year-over-year to $3.16B; net earned premiums up 6% to $2.59B.
Book yields on investments rose to 5.33%, up 10 bps sequentially and 20 bps year-over-year.
Holding company liquidity at $518M at quarter end.
Outlook and guidance
2025 adjusted EPS expected to approach 10% growth; adjusted EBITDA to grow mid- to high single digits, both excluding catastrophes.
Share repurchases for 2025 expected at $250M–$300M, at the upper end of guidance.
Management expects sufficient liquidity for the next twelve months, with $517.8M in holding company liquidity as of June 30, 2025.
2025 catastrophe reinsurance premiums estimated at $210M, reflecting exposure changes and improved market conditions.
Outlook incorporates macroeconomic factors such as tariffs, inflation, FX, and interest rates.
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Q3 20255 Nov, 2025
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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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