Financial Performance - GAAP net income for Q4 2025 increased 12% to $225.2 million, compared to $201.3 million in Q4 2024, driven by lower reportable catastrophes and higher segment earnings, particularly in Global Housing[6] - Adjusted EBITDA for Q4 2025 rose 14% to $436.5 million, up from $381.4 million in Q4 2024, primarily due to lower reportable catastrophes and growth in Global Housing[6] - Full year 2025 GAAP net income increased 15% to $872.7 million, compared to $760.2 million in 2024, mainly due to higher segment earnings in Global Housing and lower reportable catastrophes[9] - Full year 2025 Adjusted EBITDA increased 16% to $1,536.2 million, up from $1,322.4 million in 2024, driven by higher segment earnings in Global Housing and growth in Global Lifestyle[9] - Adjusted EBITDA for 2025 was reported at $1,536.2 million, up from $1,322.4 million in 2024[28] - Total revenues for 2025 reached $12,814.3 million, up from $11,877.5 million in 2024, reflecting a growth of 7.9%[32] - Adjusted EBITDA for 2025, including FX impact, increased by 16.2% year-over-year[31] Premiums and Income - Net earned premiums, fees, and other income from Global Lifestyle and Global Housing segments totaled $3.23 billion in Q4 2025, an 8% increase from $2.99 billion in Q4 2024[6] - Full year 2025 net earned premiums, fees, and other income reached $12.35 billion, an 8% increase from $11.42 billion in 2024, supported by growth across all lines of business[9] - Net earned premiums for Q4 2025 were $2,705.7 million, an increase of 5.8% from $2,557.5 million in Q4 2024[32] Adjusted Earnings - Adjusted earnings per diluted share for 2025 was $22.81, consistent with 2025 levels when excluding reportable catastrophes[17] - Adjusted earnings per diluted share for Q4 2025 were $5.61, compared to $4.79 in Q4 2024, representing a 17.2% increase[30] Segment Performance - Global Housing Adjusted EBITDA for Q4 2025 increased 22% to $275.6 million, compared to $225.4 million in Q4 2024, primarily due to lower reportable catastrophes[10] - Global Lifestyle Adjusted EBITDA is anticipated to increase by high single digits, driven by contributions from Connected Living and Global Automotive[17] Capital Management - Share repurchases and common stock dividends totaled $138 million in Q4 2025, with $468 million for the full year 2025[14] - Common stock dividends per share increased to $0.88 in Q4 2025 from $0.80 in Q4 2024, a growth of 10%[32] - Holding company liquidity totaled $887 million as of December 31, 2025, significantly above the minimum level of $225 million[12] - Capital deployment priorities include maintaining a strong financial position, supporting business growth through organic investments and M&A, and returning capital to shareholders[18] Company Developments - The company launched Assurant Home Warranty in 2025, contributing to new partnerships and market expansion[3] - The company operates in 21 countries and leverages data-driven technology solutions to enhance customer experiences[20] Assets and Liabilities - Total assets increased to $36,289.6 million in 2025 from $35,020.6 million in 2024, a rise of 3.6%[33] - The company’s debt rose to $2,206.9 million in 2025, compared to $2,083.1 million in 2024, reflecting an increase of 5.9%[33] Future Projections - Adjusted EBITDA for 2026 is expected to be consistent with 2025 levels or increase mid-to-high single digits, excluding $113.1 million of favorable prior year development[17] - Adjusted earnings per diluted share for 2026 is projected to be consistent with 2025 levels or increase mid-to-high single digits, excluding the same $113.1 million of favorable prior year development[17] - Corporate and Other Adjusted EBITDA loss is expected to approximate $140 million, reflecting organic investments in the Home Warranty business[17]

ATLANTA--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ): (Unaudited) Q4'25  Q4'24  Change  12M'25  12M'24  Change $ in millions, except per share data GAAP net income 225.2  201.3  12%  872.7  760.2  15% Adjusted EBITDA1 436.5  381.4  14%  1,536.2  1,322.4  16% Adjusted EBITDA, ex. reportable catastrophes2 445.9  431.5  3%  1,734.4  1,569.4  11%       GAAP net income per diluted share 4.41 3.87 14% 16.93 14.46 17% Adjusted earnings per diluted share3. ...

Core Insights - Assurant, Inc. (AIZ) is anticipated to show improvements in both revenue and earnings for the fourth quarter of 2025, with results expected to be reported on February 10 [1][9] - The Zacks Consensus Estimate for AIZ's fourth-quarter revenues is $3.28 billion, reflecting a 4.7% increase year-over-year [1] - The consensus estimate for earnings is $5.55 per share, indicating a 15.8% year-over-year increase, with a 5.5% upward revision in the past 30 days [2] Revenue and Earnings Estimates - The expected revenue for the fourth quarter is $3.28 billion, with a year-over-year growth of 4.7% [1] - The estimated earnings per share for the fourth quarter is $5.55, which represents a 15.8% increase compared to the previous year [2] Earnings Prediction Model - The earnings prediction model indicates a likely earnings beat for Assurant, supported by a positive Earnings ESP of +13.61% and a Zacks Rank of 3 (Hold) [3][4] - The Most Accurate Estimate stands at $6.31, which is higher than the Zacks Consensus Estimate of $5.55 [4] Factors Influencing Q4 Results - Strong performance in the Global Housing segment and growth in Global Lifestyle are expected to positively impact fourth-quarter results [5][9] - Net earned premiums are projected to increase by 3.8% to $2.6 billion, while fees and other income are expected to rise by 6.1% to $465.4 million [6] Segment Performance - The Global Housing segment is expected to generate revenues of $734 million, reflecting a 7.1% increase year-over-year, with actual estimates at $698.6 million [8] - The Global Lifestyle segment is projected to achieve revenues of $2.5 billion, indicating a 2.7% growth from the previous year [10] Investment Income and Expenses - Net investment income is estimated at $129.3 million, driven by higher assets and yields in fixed maturity securities, despite some offsetting factors [7] - Total expenses are expected to rise to $2.8 billion due to increased underwriting and administrative costs [11]

Assurant (AIZ) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended December 2025. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price.The earnings report, which is expected to be released on February 10, might help the stock move higher if these key numbers are better than expecta ...

Core Insights - Assurant, Inc. has appointed Lynn Blake to its Board of Directors, effective January 28, 2026, bringing over 30 years of experience in asset management to support the company's financial strategy and business priorities [1] - Blake will serve on the Finance and Risk Committee and the Nominating and Corporate Governance Committee, enhancing Assurant's governance and strategic direction [1] - Debra Perry will retire from the Board effective at the 2026 annual shareholder meeting, with appreciation expressed for her contributions to Assurant's strategy and governance [1] Company Overview - Assurant, Inc. is a global protection company that partners with leading brands to safeguard and service connected devices, homes, and automobiles [1] - The company operates in 21 countries and leverages data-driven technology solutions to enhance customer experiences [1] - Assurant reported revenues of $10.7 billion and a net income of $642.5 million for the year 2023 [1]

ATLANTA--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ), a premier global protection company that safeguards and services connected devices, homes, and automobiles in partnership with the world's leading brands, today announced the launch of F&I On Demandâ"¢, a virtual staffing solution designed to help auto dealerships address personnel shortages in finance and insurance (F&I) departments. As dealerships manage hiring, training, and staffing challenges, F&I On Demand is a patent-pending. ...

Core Insights - Assurant, Inc. (AIZ) has acquired RL Circular Operations and its subsidiaries to enhance its post-purchase services and expand its circular logistics in Australia and New Zealand [1][10] Group 1: Acquisition Details - RL Circular Operations, previously known as TIC Reverse Logistics, is recognized as a leading provider of post-purchase workflow and reverse logistics services in Australia and New Zealand [2] - The acquisition aims to strengthen Assurant's capabilities in post-purchase services and leverage AI-based technologies for sustainable retail practices [3][10] Group 2: Strategic Rationale - The integration of RL Circular Operations will enable Assurant to provide more efficient post-sales services in response to increasing consumer demand for seamless returns and sustainable lifecycle solutions [4] - This acquisition reduces Assurant's reliance on third-party logistics providers, enhancing its competitive position in the retail sector within the APAC region [5] Group 3: Growth Opportunities - The partnership is expected to create new growth opportunities by combining Assurant's global capabilities and investments in AI and robotics with RL's expertise [6] - The acquisition is likely to bolster Assurant's Connected Living business, contributing to overall revenue growth [8] Group 4: Recent Activities - This acquisition follows Assurant's recent purchase of OptoFidelity's mobile test automation portfolio, which supports the company's goal of driving greater circularity and innovation [9]

Company Overview - Assurant, Inc. is based in Atlanta, Georgia, and was founded in 1892, focusing on protection in everyday life with a market capitalization of approximately $11.8 billion [1] - The company operates globally across North America, Latin America, Europe, and Asia-Pacific, with a focus on homes, vehicles, and connected devices [1] Business Segments - The Global Lifestyle segment supports mobile devices, consumer electronics, appliances, and auto-related services, while also offering select financial and insurance products [2] - The Global Housing segment anchors the portfolio with homeowners, renters, flood, and manufactured housing insurance [2] Earnings Expectations - Assurant is expected to announce its fourth-quarter 2025 earnings report on February 10, with analysts estimating earnings of $5.26 per share, a 9.8% increase from $4.79 per share reported in the same quarter last year [3] - For fiscal 2025, analysts expect EPS to rise 17.1% from $16.64 in fiscal 2024 to $19.48, followed by an 8.6% increase to $21.16 in fiscal 2026 [4] Stock Performance - Over the past 52 weeks, Assurant's stock has increased by 10.5%, underperforming the S&P 500 Index's 16.9% rise but outperforming the Invesco KBW Property & Casualty Insurance ETF's 5% increase [5] - Following the release of solid third-quarter earnings, the stock rose by 1.7%, reflecting balanced growth supported by higher premiums, stronger investment income, and rising fee-based revenues [6] Analyst Ratings - Analysts maintain a cautiously positive outlook on Assurant, assigning an overall "Moderate Buy" rating, with five out of nine analysts recommending a "Strong Buy," one a "Moderate Buy," and three suggesting a "Hold" [7]

Core Insights - Assurant, Inc. has announced the acquisition of RL Circular Operations and its subsidiaries, enhancing its capabilities in reverse logistics and post-purchase workflows [1] Company Overview - Assurant, Inc. is a global protection company that specializes in safeguarding and servicing connected devices, homes, and automobiles [1] - The company partners with leading brands to deliver its services [1] Acquisition Details - The acquisition targets RL Circular Operations, a division of TIC Group recognized as a leading provider of reverse logistics services in Australia [1] - This move is expected to strengthen Assurant's position in the reverse logistics market, particularly for retailers, manufacturers, and suppliers [1]

Core Viewpoint - Assurant, Inc. will release its fourth quarter and full year 2025 financial results on February 10, 2026, after market close [1] Financial Results Announcement - The financial results will be available on Assurant's website at www.assurant.com [1] - A conference call will be hosted by Assurant the following morning after the news release [1]