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ASSURANT, INC.

AIZ

$306.74 ▼ -1.93 (-0.63%) at close

20 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

ASSURANT, INC. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $15.5B

Dividend Yield 1.07%

Revenue Growth 7.9% ↗

Op. Margin 8.5% ↗

ROIC None

FCF / Share None

Trailing P/E 17.9x

Price / Book 2.6x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

20-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$12.81B

↑ +7.9% —

Net Income Profit after all expenses

$872.70M

↑ +14.8% —

Operating Margin Operating profit as % of sales

8.5%

↑ +8.7% 53th

Long-Term Debt Long-term obligations

$2.01B

— 0.0% —

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Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$3.28 Latest / share

+10.8% YoY

+10.8% 12-yr CAGR

$1.06

FY 2014

$1.37

FY 2015

$2.03

FY 2016

$2.15

FY 2017

$2.28

FY 2018

$2.43

FY 2019

$2.55

FY 2020

$2.66

FY 2021

$2.74

FY 2022

$2.82

FY 2023

$2.96

FY 2024

$3.28

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	7.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	6.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	9.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+53%)	0.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-99%)	6.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-4.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-181%)	25.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+320%)	25.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+327%)	-14.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-347%)	-27.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-551%)	-0.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-109%)	14.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+146%)	6.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-53%)	-3.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-150%)	-2.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-133%)	1.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-81%)	1.7% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	—	—
EPS Growth YoY (%)	17.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	21.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	136.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-77.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	226.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	19.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	46.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-57.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.4% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	343.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-68.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	11.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	2.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	121.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-31.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-30.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	14.8% Fair ↓ Fair Declining Year-over-year change in net income	18.3% Good ↓ Good Declining Year-over-year change in net income	132.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-79.7% Weak ↓ Weak Declining Year-over-year change in net income	208.2% Excellent ↑ Excellent Improving Year-over-year change in net income	15.5% Good ↑ Good Improving Year-over-year change in net income	52.4% Excellent ↓ Excellent Declining Year-over-year change in net income	-51.7% Weak ↓ Weak Declining Year-over-year change in net income	-8.1% Weak ↓ Weak Declining Year-over-year change in net income	299.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-69.9% Weak ↓ Weak Declining Year-over-year change in net income	-3.7% Weak ↓ Weak Declining Year-over-year change in net income	1.1% Caution ↓ Caution Declining Year-over-year change in net income	-10.3% Weak ↓ Weak Declining Year-over-year change in net income	93.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-35.2% Weak ↓ Weak Declining Year-over-year change in net income	-3.8% Weak Weak Year-over-year change in net income	-31.5% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	0.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	14.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	-7.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-14.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.3% Weak Weak Compound annual revenue growth over 3 years	0.3% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	9.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-1.5% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.6% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-2.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-5.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	3.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.0% Caution Caution Compound annual revenue growth over 5 years	0.1% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	49.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-14.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	19.5% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	-4.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	79.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-9.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-14.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	24.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	13.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	-28.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	36.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.8% Good Good Compound annual EPS growth over 3 years	-22.7% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	8.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	7.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	7.2% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	3.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	7.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	6.1% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	5.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	4.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	6.9% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	11.3% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	1.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-92%)	7.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	8.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	8.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	8.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	10.7% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	9.1% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	—	—	—
Effective Tax Rate (%) (%)	19.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-16.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.4% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.9% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	6.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	6.4% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	5.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	2.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	13.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	4.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	3.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	8.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	7.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	4.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	5.4% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	5.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	6.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	3.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	4.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	5.2% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	7.7% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.0% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	14.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	14.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	13.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	6.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	24.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+108%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	6.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	12.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	10.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	9.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	11.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	0.36x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.39x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.25x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$253.90	$229.72	$208.24	$187.47	$172.26	$159.62	$162.84	$136.02	$116.66	$122.95	$151.48	$143.83	$118.04	$100.96	$85.62	$77.08	$73.71	$72.89	$70.48	—
Basic EPS, GAAP (USD)	$17.14	$14.55	$12.02	$5.09	$22.95	$7.04	$5.87	$4.00	$9.45	$9.23	$2.08	$6.52	$6.38	$5.74	$5.58	$2.52	$3.65	$3.79	$5.45	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$3.28	$2.96	$2.82	$2.74	$2.66	$2.55	$2.43	$2.28	$2.15	$2.03	$1.37	$1.06	$0.96	$0.81	$0.70	$0.63	$0.59	$0.54	$0.46	—
Book Value per Share (USD)	$117.92	$100.46	$92.57	$80.04	$98.00	$102.67	$94.30	$82.57	$81.47	$73.26	$68.70	$74.77	$67.29	$65.92	$55.06	—	—	—	—	—
Tangible Book Value per Share (USD)	$54.29	$38.46	$31.44	$18.68	$38.98	$45.99	$46.19	$35.02	$58.46	$54.11	$51.83	$57.12	$51.43	$54.43	$44.41	—	—	—	—	—
Basic Weighted Avg Shares (shares)	50.47M	51.70M	53.46M	54.37M	59.14M	60.11M	61.94M	59.24M	54.99M	61.26M	68.16M	72.18M	76.65M	84.28M	96.63M	110.63M	118.04M	118.01M	119.93M	—
Dividend Payout Ratio (%)	19.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	20.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	23.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.8% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	11.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	36.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	57.0% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	22.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	$2.01B	$2.01B	$1.07B	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$5.87B	$5.11B	$4.81B	$4.23B	$5.46B	$5.95B	$5.65B	$5.11B	$4.27B	$4.10B	$4.52B	$5.18B	$4.83B	$5.19B	$4.87B	—	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$12.81B	$11.88B	$11.13B	$10.19B	$10.19B	$9.60B	$10.09B	$8.06B	$6.42B	$7.53B	$10.33B	$10.38B	$9.05B	$8.51B	$8.27B	$8.53B	$8.70B	$8.60B	$8.45B	—
Depreciation Expense (USD)	$156.40M	$139.40M	$109.30M	$86.30M	$73.80M	$56.10M	$55.30M	$39.00M	$34.20M	$41.70M	$47.44M	$47.67M	$50.65M	$49.59M	$55.19M	$59.02M	$61.77M	—	—	—
Net Income, GAAP (USD)	$872.70M	$760.20M	$642.50M	$276.60M	$1.36B	$441.80M	$382.60M	$251.00M	$519.60M	$565.40M	$141.56M	$470.91M	$488.91M	$483.70M	$538.96M	$279.18M	$430.57M	$447.80M	$653.75M	—
Operating Cash Flow (USD)	$1.83B	$1.33B	$1.14B	$596.90M	$781.70M	$1.34B	$1.41B	$656.70M	$530.40M	$108.60M	—	—	—	$679.70M	$855.30M	$540.74M	$269.93M	$999.13M	$1.20B	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Premiums Earned (USD)	$10.48B	$9.80B	$9.39B	$8.77B	$8.57B	$8.28B	$8.02B	$6.16B	$4.40B	$5.01B	$8.35B	$8.63B	$7.76B	$7.24B	$7.13B	$7.40B	$7.55B	$7.93B	$7.41B	—
Loss Ratio (%) (%)	27.9%	28.2%	26.9%	26.9%	25.7%	27.4%	33.1%	38.0%	42.5%	36.1%	56.8%	51.0%	47.4%	50.5%	52.6%	49.2%	51.2%	50.7%	50.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 20 years · 75 quarters

ASSURANT, INC.

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