Assurant, Inc. logo AIZ - Assurant, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 11
HOLD 7
SELL 1
STRONG
SELL
0
| PRICE TARGET: $268.25 DETAILS
HIGH: $285.00
LOW: $246.00
MEDIAN: $271.00
CONSENSUS: $268.25
UPSIDE: 5.27%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Revenue
Revenue 12,814.3 11,877.5 11,131.6 10,193 10,187.6 9,610.5 9,529.8 8,000.7 6,311.1 7,107.7 10,312.5 10,383.2 9,031.3 8,489.9 8,252.3 8,527.7 8,700.5 8,601.2 8,453.5 8,070.6 7,497.7 7,410.7 7,076.2 6,532.2 6,186.9 6,212.0
Cost of Revenue 2,927.8 2,766.5 2,521.8 2,359.8 6,037.7 5,947.2 5,622.9 4,643.4 3,210.6 0 0 5,890.9 5,145.8 5,058.6 5,077.5 3,641.0 3,868.0 4,019.1 5,142.4 4,720.6 4,632.5 4,660.2 4,492.4 4,167.2 0 486.3
Gross Profit 9,886.5 9,111 8,609.8 7,833.2 4,149.9 3,663.3 3,906.9 3,357.3 3,100.5 7,107.7 10,312.5 4,492.3 3,885.5 3,431.2 3,174.8 4,886.7 4,832.5 4,582.1 3,311.1 3,349.9 2,865.2 2,750.5 2,583.8 2,365.0 6,186.9 5,725.7
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2,377.4 0 0 2,189.5 2,146.4 2,156.0 2,004.9 1,876.2 1,846.5 2,081.8
Other Expenses 8,799.1 8,183.7 7,803 7,483.3 3,378.6 3,085.2 3,452.2 3,023.8 2,656 1,888.9 4,797.3 3,748.1 3,095.8 2,673.5 175.0 1,888.3 1,745.5 1,732.6 61.2 62.8 61.3 57.9 319.6 118.4 14.0 24.7
Operating Expenses 8,799.1 8,183.7 7,803 7,483.3 3,378.6 3,085.2 3,452.2 3,023.8 2,656 6,683 10,124 3,748.1 3,095.8 2,673.5 2,468.7 4,280.3 4,122.9 4,018.8 2,300.0 2,254.2 2,209.6 2,214.6 2,324.4 1,994.6 1,860.6 2,106.5
Operating Income
Operating Income 1,087.4 927.3 806.8 349.9 771.3 578.1 454.7 333.5 444.5 906.2 256.3 744.1 789.7 757.8 706.1 606.4 709.6 563.3 1,011.0 1,095.7 655.6 535.9 259.4 370.4 4,326.3 3,619.2
Interest Expense 109.7 107 108 108.3 111.8 104.5 110.6 100.3 49.5 57.6 55.1 58.4 77.7 60.3 60.4 60.6 60.7 61.0 61.2 61.2 61.3 56.4 1.2 0 14.0 24.7
Interest Income 0 0 0 0 0 0 0 0 0 0.0 0.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 1,447.1 1,257.8 1,111.2 640.2 1,054.7 824.9 690.8 560.7 609.7 3,828.1 6,794.8 934.7 992.3 942.4 895.9 783.3 861.6 686.4 1,133.4 1,250.3 800.0 595.5 308.6 417.3 4,326.3 24.7
EBIT 1,197.1 1,034.3 914.8 458.2 883.1 682.6 565.3 433.8 494 3,741.6 6,657.7 802.5 867.4 818.1 766.5 667.1 770.3 624.2 1,072.2 1,157.0 716.9 592.3 260.5 370.4 4,326.3 24.7
Income Before Tax 1,087.4 927.3 806.8 349.9 771.3 578.1 454.7 333.5 444.5 848.6 201.2 744.1 789.7 757.8 706.1 606.4 709.6 563.3 1,011.0 1,095.7 655.6 535.9 259.4 370.4 4,326.3 194.2
Income Tax Expense 214.7 167.1 164.3 73.3 168.4 58.7 148.3 80.9 (75.1) 283.2 59.6 273.2 300.8 274.0 167.2 327.3 279.0 115.5 357.3 379.9 176.3 185.4 73.7 110.7 0 104.5
Net Income 872.7 760.2 642.5 276.6 1,361.8 440.8 382.6 251 519.6 565.4 141.6 470.9 488.9 483.7 539.0 279.2 430.6 447.8 653.7 717.4 479.4 350.6 185.7 (1,001.2) 98.1 89.7
Per Share Data
EPS (Basic) 17.29 14.55 12.02 5.09 10.37 7.04 6.18 4.24 9.45 9.23 2.08 6.52 6.38 5.74 5.65 2.52 3.65 3.80 5.46 5.66 3.53 2.53 1.70 -9.17 0.90 0.85
EPS (Diluted) 17.39 14.46 11.95 5.05 10.20 6.70 6.14 4.22 9.39 9.13 2.05 6.44 6.30 5.67 5.58 2.50 3.63 3.77 5.38 5.57 3.50 2.53 1.70 -9.17 0.90 0.85
Shares Outstanding 50.5 52.2 53.5 54.4 59.1 60.1 61.9 59.2 55.0 61.3 68.2 72.2 76.6 84.3 96.6 110.6 118.0 117.8 119.7 126.8 135.8 138.4 109.2 109.2 108.9 104.9
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000
Current Assets
Cash & Cash Equivalents 1,834.1 1,807.7 1,627.4 1,536.7 2,040.8 2,207.6 1,867.1 1,254 996.8 1,032.0 1,318.6 1,040.7 807.1 958.2 0 0 0
Short-Term Investments 2,717.9 7,456.7 2,106.2 6,439.2 7,463.1 7,107.5 12,724.9 11,630.3 9,946.7 9,799.8 453.5 703.4 300.1 275.9 0 0 0
Net Receivables 8,596.1 9,764 9,011.8 9,490.9 8,185.8 8,154.3 11,286.2 10,809.5 11,153.8 10,321.7 507.9 557.3 435.5 4,952.0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 (17,469.4) (25,878.2) (23,693.8) (22,097.3) (21,153.5) (2,280.0) (2,301.4) (1,542.6) (6,186.1) 0 0 0
Total Current Assets 13,148.1 19,028.4 12,745.4 17,466.8 17,689.7 0 0 0 0 0 0 0 0 0 0 0 0
Non-Current Assets
Property, Plant & Equipment 841.7 768.3 685.8 645.1 561.4 446.1 433.7 392.5 347.6 343.6 275.4 278.6 277.1 283.8 0 0 0
Goodwill 2,646.3 2,616 2,608.8 2,603 2,571.6 2,589.3 2,343.4 2,321.8 917.7 830.9 926.4 1,001.9 823.1 828.5 0 0 0
Intangible Assets 10,709.6 10,528.4 10,618.2 10,578.8 10,113.6 1,848.4 2,544.5 3,780.2 313 272.4 94.6 0 993.7 0 0 0 0
Long-Term Investments 7,344.1 1,087.8 6,114.7 1,085.3 1,208.5 7,397.7 15,133.5 13,694.5 11,061.2 10,221.2 10,933.2 9,769.5 10,005.0 9,461.2 0 0 0
Other Non-Current Assets 1,599.8 991.7 862.3 738.3 1,775.8 (12,281.5) (20,455.1) (20,189) (12,639.5) (11,668.1) (12,229.7) (11,050.1) (11,275.8) (10,573.4) 0 0 0
Total Non-Current Assets 23,141.5 15,992.2 20,889.8 15,650.5 16,230.9 0 0 0 0 0 0 0 0 0 0 0 0
Total Assets 36,289.6 35,020.6 33,635.2 33,117.3 33,920.6 44,649.9 44,291.2 41,089.3 31,843 29,709.1 25,841.8 24,514.6 24,503.9 23,728.3 22,634.5 24,431.4 24,392.5
Current Liabilities
Account Payables 2,101.2 2,914.2 2,419.3 2,702.8 2,051 1,969.6 3,046.2 3,144.6 3,927.5 3,396.5 1,484.3 1,521.4 1,328.5 1,364.6 0 0 0
Short-Term Debt 0 0 0 224.7 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 20,881.4 20,211.4 20,110.4 19,802.4 18,623.7 0 0 0 0 0 164.9 187.4 0 0 0 0 0
Other Current Liabilities 266.4 277.7 392.7 366.6 364.2 (2,668.7) (3,586.7) (3,483.2) (4,292.6) (3,782.7) (5,263.7) (5,244.7) (5,387.0) (3,993.9) 0 0 0
Total Current Liabilities 23,889.6 23,962.9 23,465.2 23,744 21,731.6 0 0 0 0 0 0 0 0 0 0 0 0
Non-Current Liabilities
Long-Term Debt 2,206.9 2,083.1 2,080.4 1,905.2 2,202.5 2,252.9 2,006.9 2,006 1,068.2 1,067 972.1 972.0 971.6 1,750 0 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 4.2 0 0 0 0
Other Non-Current Liabilities 4,321.5 3,867.9 3,280.1 3,239.4 4,522.4 (2,252.9) (2,006.9) (2,059.1) (1,196.3) (1,299.2) (972.1) (972.0) (975.8) (1,750) 0 0 0
Total Non-Current Liabilities 6,528.4 5,951 5,360.5 5,144.6 6,724.9 0 0 0 0 0 0 0 0 0 0 0 0
Total Liabilities 30,418 29,913.9 28,825.7 28,888.6 28,456.5 38,695.1 38,609.1 35,955.4 27,561.5 25,611.0 20,988.5 20,805.1 20,844.3 20,875.8 20,079.4 20,979.0 21,024.8
Stockholders' Equity
Common Stock 0.5 0.5 0.6 0.6 0.7 0.6 1.6 1.6 1.5 1.5 1.4 1.4 1.4 1.1 0 0 0
Retained Earnings 4,826.3 4,378.3 4,028.2 3,699.3 4,041.2 3,548.7 5,966.4 5,759.7 4,036.6 4,003.5 3,054.5 2,650.4 569.6 248,721 0 0 0
Accumulated Other Comprehensive Income (544.2) (836.1) (765) (986.2) (150) 709.8 411.5 (155.4) 234 94.6 65.9 (670.9) 338.2 318.5 0 0 0
Total Stockholders' Equity 5,871.6 5,106.7 4,809.5 4,228.7 5,464.1 5,951.4 5,652.8 5,112 4,270.6 4,098.1 4,853.2 3,709.5 3,635.4 2,632.1 2,555.1 3,452.4 3,367.7
Total Liabilities & Equity 36,289.6 35,020.6 33,635.2 33,117.3 33,920.6 44,649.9 44,291.2 41,089.3 31,843 29,709.1 25,841.8 24,514.6 24,503.9 23,728.3 22,634.5 24,431.4 24,392.5
Debt Metrics
Total Debt 2,206.9 2,083.1 2,080.4 2,129.9 2,202.5 2,252.9 2,006.9 2,006 1,068.2 1,067.0 972.1 972.0 1,506.9 1,750 0 0 0
Net Debt 372.8 275.4 453 593.2 161.7 45.3 139.8 752 71.4 35 (346.5) (68.7) 164.5 791.8 0 0 0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002
Operating Activities
Net Income 872.7 760.2 642.5 276.6 1,372.4 441.8 382.6 251 519.6 565.4 479.4 350.6 185.7 (1,001.2)
Depreciation & Amortization 250 223.5 196.4 182 171.6 144.3 125.8 126.9 115.7 125.1 7.4 45.7 48.1 46.9
Stock-Based Compensation 0 81.1 75.1 62.6 66.7 57.9 55.9 57.1 35.5 41.6 0 0 0 0
Change in Working Capital 413 (1) 261 (218.3) (243.3) 372.1 628.9 151.7 97 (23.0) 484.1 263.1 808.2 (141.8)
Other Non-Cash Items 298.2 24 71.6 230.2 (717.4) 134.3 130.7 49.6 (233.2) (574.6) 49.3 174.9 (300.7) 1,461.1
Operating Cash Flow 1,833.9 1,332.7 1,138.1 596.9 781.7 1,342 1,413.4 656.7 530.4 134.5 1,020.2 834.2 741.2 365.0
Investing Activities
Capital Expenditure (235.5) (221.3) (202.5) (186.3) (187.4) (121.2) (110.3) (82.8) (62.1) (85.2) (55.2) (58.4) (81.8) (74.7)
Acquisitions (23.5) (17.9) (0.3) (67.7) 1,299 (531.9) (7.6) (1,050.1) (129.1) 810.7 14.2 3.5 3.0 12
Purchases of Investments (3,376.1) (2,476.6) (2,290.3) (3,199) (3,202.2) (2,586.2) (4,341.5) (6,317.8) (4,335.8) (4,559.0) (2,895.8) (3,310.9) (3,523.2) (4,915.7)
Sales/Maturities of Investments 2,171.3 2,074.5 1,888.2 3,230.1 2,504.3 2,445.6 3,883.6 5,340.4 3,997.2 4,281.1 2,344.1 2,713.3 3,852.8 4,588.4
Other Investing Activities 6 (16.5) (32.8) (39.2) (256.1) 58.5 (44) (92.2) (11.4) 278.1 (61.1) 17.6 (959.0) 21.0
Investing Cash Flow (1,457.8) (657.8) (637.7) (262.1) 157.6 (735.2) (619.8) (2,202.5) (541.2) 725.6 (668.0) (643.7) (711.2) (379.4)
Financing Activities
Net Debt Issuance 121.7 0 (51.8) (75.9) (72.6) 242.5 235.5 1,823.9 450.8 (123.4) 75.2 (664.0) 1,750 0
Stock Repurchased (303.7) (307.4) (193.1) (572.8) (839.3) (297) (271.8) (139.3) (388.9) (863.1) (342.1) (259.9) (1,250.3) (0.5)
Dividends Paid (168.4) (155.9) (152.3) (150.2) (162.3) (173.3) (170) (148) (119) (125.3) (42.0) (29.7) (181.2) (41.9)
Other Financing Activities (13.8) (14.2) (6.7) (19.5) 0 (37) 27.1 25 30.4 5.7 2.1 196.2 (1.0) (1.1)
Financing Cash Flow (364.2) (477.5) (403.9) (818.4) (1,089.8) (264.8) (179.2) 1,838 (26.7) (1,106.2) (303.6) (341.6) 317.5 (43.4)
Cash Position
Net Change in Cash 26.4 180.3 90.7 (518.1) (173.8) 361.5 613.1 257.2 (35.2) (256.3) 48.5 (151.1) 347.5 (57.9)
Cash at Beginning 1,807.7 1,627.4 1,536.7 2,054.8 2,228.6 1,867.1 1,254 996.8 1,032 1,288.3 807.1 958.2 610.7 668.6
Cash at End 1,834.1 1,807.7 1,627.4 1,536.7 2,054.8 2,228.6 1,867.1 1,254 996.8 1,032.0 855.6 807.1 958.2 610.7
Free Cash Flow 1,598.4 1,111.4 935.6 410.6 594.3 1,220.8 1,303.1 573.9 468.3 49.3 965.0 775.8 659.5 290.3
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Income Statement
Revenue 12,814.3 11,877.5 11,131.6 10,193 10,187.6 9,610.5 9,529.8 8,000.7 6,311.1 7,107.7 10,312.5 10,383.2 9,031.3 8,489.9 8,252.3 8,527.7 8,700.5 8,601.2 8,453.5 8,070.6 7,497.7 7,410.7 7,076.2 6,532.2 6,186.9 6,212.0
Gross Profit 9,886.5 9,111 8,609.8 7,833.2 4,149.9 3,663.3 3,906.9 3,357.3 3,100.5 7,107.7 10,312.5 4,492.3 3,885.5 3,431.2 3,174.8 4,886.7 4,832.5 4,582.1 3,311.1 3,349.9 2,865.2 2,750.5 2,583.8 2,365.0 6,186.9 5,725.7
Operating Income 1,087.4 927.3 806.8 349.9 771.3 578.1 454.7 333.5 444.5 906.2 256.3 744.1 789.7 757.8 706.1 606.4 709.6 563.3 1,011.0 1,095.7 655.6 535.9 259.4 370.4 4,326.3 3,619.2
Net Income 872.7 760.2 642.5 276.6 1,361.8 440.8 382.6 251 519.6 565.4 141.6 470.9 488.9 483.7 539.0 279.2 430.6 447.8 653.7 717.4 479.4 350.6 185.7 (1,001.2) 98.1 89.7
EPS (Diluted) 17.39 14.46 11.95 5.05 10.20 6.70 6.14 4.22 9.39 9.13 2.05 6.44 6.30 5.67 5.58 2.50 3.63 3.77 5.38 5.57 3.50 2.53 1.70 -9.17 0.90 0.85
Balance Sheet
Cash & Equivalents 1,834.1 1,807.7 1,627.4 1,536.7 2,040.8 2,207.6 1,867.1 1,254 996.8 1,032.0 1,318.6 1,040.7 807.1 958.2 0 0 0
Total Assets 36,289.6 35,020.6 33,635.2 33,117.3 33,920.6 44,649.9 44,291.2 41,089.3 31,843 29,709.1 25,841.8 24,514.6 24,503.9 23,728.3 22,634.5 24,431.4 24,392.5
Total Debt 2,206.9 2,083.1 2,080.4 2,129.9 2,202.5 2,252.9 2,006.9 2,006 1,068.2 1,067.0 972.1 972.0 1,506.9 1,750 0 0 0
Stockholders' Equity 5,871.6 5,106.7 4,809.5 4,228.7 5,464.1 5,951.4 5,652.8 5,112 4,270.6 4,098.1 4,853.2 3,709.5 3,635.4 2,632.1 2,555.1 3,452.4 3,367.7
Cash Flow
Operating Cash Flow 1,833.9 1,332.7 1,138.1 596.9 781.7 1,342 1,413.4 656.7 530.4 134.5 1,020.2 834.2 741.2 365.0
Capital Expenditure (235.5) (221.3) (202.5) (186.3) (187.4) (121.2) (110.3) (82.8) (62.1) (85.2) (55.2) (58.4) (81.8) (74.7)
Free Cash Flow 1,598.4 1,111.4 935.6 410.6 594.3 1,220.8 1,303.1 573.9 468.3 49.3 965.0 775.8 659.5 290.3