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Assurant, Inc. provides protection services to connected devices, homes, and automobiles in North America, Latin America, Europe, and the Asia Pacific. It operates through Global Lifestyle and Global Housing segments. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; and vehicle protection, commercial equipment protection, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and other products; and voluntary manufactured housing, and condominium and homeowners insurance products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in Atlanta, Georgia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Assurant, Inc. is a specialty insurer providing protection products such as mobile device and extended service contracts, renters and property-related insurance, and vehicle protection through carrier, retailer and property-manager partnerships. Long-term growth may be supported by rising connected-device penetration, recurring revenue from protection plans and expanded distribution. It appears positioned to benefit from niche distribution and underwriting focus.
Key risks include dependence on major distribution partners, claims and catastrophe volatility in property lines, competitive pressure from insurtechs and sensitivity to underwriting and regulatory changes.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1087.40M | 927.30M | 806.80M | 349.90M | 783.00M |
| Minority interest | - | - | - | 0.00M | 0.00M |
| Net income | 872.70M | 760.20M | 642.50M | 276.60M | 613.50M |
| Selling general administrative | 8688.10M | 8076.70M | 7695.10M | 7366.30M | 3240.60M |
| Selling and marketing expenses | - | - | - | - | 3835.80M |
| Gross profit | 9886.50M | 9111.00M | 8609.80M | 10193.00M | 10187.60M |
| Reconciled depreciation | 250.00M | 223.50M | 196.40M | 182.00M | 171.60M |
| Ebit | 1197.10M | 1034.30M | 914.80M | 458.20M | 1541.90M |
| Ebitda | 1447.10M | 1257.80M | 1111.20M | 640.20M | 1713.50M |
| Depreciation and amortization | 250.00M | 223.50M | 196.40M | 182.00M | 171.60M |
| Non operating income net other | - | - | - | -179.70M | 128.20M |
| Operating income | 1087.40M | 927.30M | 806.80M | 458.20M | 1541.90M |
| Other operating expenses | 11726.90M | 10950.20M | 10324.80M | 9843.10M | 9404.60M |
| Interest expense | 109.70M | 107.00M | 108.00M | 108.30M | 111.80M |
| Tax provision | 214.70M | 167.10M | 164.30M | 73.30M | 169.50M |
| Interest income | 109.70M | 107.00M | 108.00M | 108.30M | 111.80M |
| Net interest income | -109.70M | -107.00M | -108.00M | -108.30M | -111.80M |
| Extraordinary items | - | - | 0.00M | 0.00M | 758.90M |
| Income tax expense | 214.70M | 167.10M | 164.30M | 73.30M | 169.50M |
| Total revenue | 12814.30M | 11877.50M | 11131.60M | 10193.00M | 10187.60M |
| Total operating expenses | 8799.10M | 8183.70M | 7803.00M | 7366.30M | -8645.70M |
| Cost of revenue | 2927.80M | 2766.50M | 2521.80M | - | - |
| Total other income expense net | - | -107.00M | 164.30M | -108.30M | -758.90M |
| Discontinued operations | - | - | - | - | 758.90M |
| Net income from continuing ops | 872.70M | 760.20M | 642.50M | 276.60M | 613.50M |
| Net income applicable to common shares | 872.70M | 760.20M | 642.50M | 276.60M | 1367.70M |
| Preferred stock and other adjustments | - | - | - | - | 4.70M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 36289.60M | 35020.60M | 33635.20M | 33123.80M | 33911.50M |
| Intangible assets | 10709.60M | 10528.40M | 567.10M | 262.80M | 583.40M |
| Other current assets | -505.10M | -13820.70M | 4406.20M | -4599.50M | 3941.80M |
| Total liab | 30418.00M | 29913.90M | 28825.70M | 28895.10M | 28421.80M |
| Total stockholder equity | 5871.60M | 5106.70M | 4809.50M | 4228.70M | 5489.70M |
| Other current liab | 907.00M | 837.30M | -2419.30M | -4238.40M | -4509.80M |
| Common stock | 0.50M | 0.50M | 0.60M | 0.60M | 0.70M |
| Capital stock | 0.50M | 0.50M | 0.60M | 0.60M | 0.70M |
| Retained earnings | 4826.30M | 4378.30M | 4028.20M | 5214.90M | 5639.70M |
| Other liab | - | - | - | 620.00M | 2021.00M |
| Good will | 2646.30M | 2616.00M | 2608.80M | 2603.00M | 2571.60M |
| Other assets | 21747.20M | 35020.60M | 250.30M | 19010.00M | 6603.50M |
| Cash | 1834.10M | 1807.70M | 1627.40M | 1536.70M | 2040.80M |
| Cash and equivalents | 1834.10M | 1807.70M | - | 1536.70M | 2040.80M |
| Total current liabilities | 23889.60M | 23962.90M | 3504.90M | 4238.40M | 4509.80M |
| Current deferred revenue | 20881.40M | 20211.40M | - | - | - |
| Net debt | 372.80M | 275.40M | 453.00M | 593.20M | 161.70M |
| Short term debt | 0.00M | 17.70M | - | 0.00M | 2202.00M |
| Short long term debt | - | - | 0.00M | - | - |
| Short long term debt total | 2206.90M | 2083.10M | 2080.40M | 2129.90M | 2202.50M |
| Other stockholder equity | 1589.00M | 1564.00M | 1545.70M | -0.60M | -0.70M |
| Property plant equipment | 900.90M | 822.40M | - | 645.10M | 561.40M |
| Total current assets | 13148.10M | 19028.40M | 10805.10M | 10226.80M | 15682.80M |
| Long term investments | 9164.30M | 7665.20M | 7393.20M | 7609.60M | 8733.70M |
| Net tangible assets | - | - | - | 986.80M | 2918.10M |
| Short term investments | 2717.90M | 7456.70M | 6912.10M | 6439.20M | 7463.10M |
| Net receivables | 8596.10M | 9764.00M | 2265.60M | 7005.90M | 6178.90M |
| Long term debt | 2206.90M | 2083.10M | 2080.40M | 2129.90M | 2202.50M |
| Inventory | - | - | -6249.50M | -155.50M | -3941.80M |
| Accounts payable | 2101.20M | 2914.20M | 2419.30M | 4238.40M | 4509.80M |
| Accumulated other comprehensive income | -544.20M | -836.10M | -765.00M | -986.20M | -150.00M |
| Common stock total equity | - | - | - | 0.60M | 0.70M |
| Retained earnings total equity | - | - | - | 3699.30M | 4066.80M |
| Treasury stock | - | - | - | -122.80M | -122.80M |
| Non currrent assets other | 1599.80M | 991.70M | 18219.10M | -6344.40M | -11625.20M |
| Non current assets total | 23141.50M | 15992.20M | 22579.80M | 3887.00M | 11625.20M |
| Long term debt total | 2206.90M | 2083.10M | - | 2129.90M | 2202.50M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -1220.60M | -657.80M | -768.00M | -33.70M | -784.70M |
| Change to liabilities | - | - | - | 129.90M | -75.50M |
| Total cashflows from investing activities | -1457.80M | -657.80M | - | -262.10M | 157.60M |
| Net borrowings | 121.70M | 0.00M | - | -75.90M | -72.60M |
| Total cash from financing activities | -364.20M | -477.50M | -403.90M | -818.40M | -1089.80M |
| Change to operating activities | - | - | - | 181.60M | 338.00M |
| Net income | 872.70M | 760.20M | 642.50M | 276.60M | 1372.40M |
| Change in cash | 26.40M | 180.30M | 90.70M | -518.10M | -173.80M |
| Begin period cash flow | 1807.70M | 1627.40M | 1536.70M | 2054.80M | 2228.60M |
| End period cash flow | 1834.10M | 1807.70M | 1627.40M | 1536.70M | 2054.80M |
| Total cash from operating activities | 1833.90M | 1332.70M | 1138.10M | 596.90M | 781.70M |
| Depreciation | 250.00M | 223.50M | 196.40M | 182.00M | 171.60M |
| Other cashflows from investing activities | 6.00M | -16.50M | - | -42.10M | 1129.70M |
| Dividends paid | 168.40M | 155.90M | 152.30M | 150.20M | 162.30M |
| Change to inventory | - | - | -139.70M | - | 424.90M |
| Change to account receivables | 723.30M | -719.40M | 466.20M | -1275.10M | -869.70M |
| Sale purchase of stock | -303.70M | -307.40M | -193.10M | -572.80M | -839.30M |
| Other cashflows from financing activities | -13.80M | -14.20M | -6.70M | -19.50M | 331.60M |
| Change to netincome | - | - | - | 356.60M | 243.80M |
| Capital expenditures | 235.50M | 221.30M | 202.50M | 186.30M | 187.40M |
| Change receivables | - | - | - | -804.60M | -439.00M |
| Cash flows other operating | - | - | - | 456.40M | -491.60M |
| Cash and cash equivalents changes | - | - | - | -483.60M | -150.50M |
| Change in working capital | 413.00M | -1.00M | 261.00M | -218.30M | -243.30M |
| Stock based compensation | 85.70M | 81.10M | 75.10M | 62.60M | 66.70M |
| Other non cash items | 298.20M | 24.00M | 71.60M | 230.20M | -717.40M |
| Free cash flow | 1598.40M | 1111.40M | 935.60M | 410.60M | 594.30M |
Sector: Financial Services Industry: Insurance - Property & Casualty
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| AIZ Assurant, Inc. |
0.13 0.04% |
307.00 | 13.70 | 10.21 | 1.05 | 2.29 | 1.08 |
| CB Chubb Ltd |
-6.61 1.78% |
365.02 | 12.11 | 11.83 | 2.13 | 1.75 | 2.45 |
| PGR Progressive Corp |
-5.41 2.32% |
227.77 | 11.10 | 13.55 | 1.41 | 3.74 | 1.50 |
| TKOMF Tokio Marine Holdings Inc. |
- -% |
3.80 | 28.94 | 12.24 | 0.01 | 1.87 | 1.61 |
| TKOMY Tokio Marine Holdings Inc |
-0.14 3.59% |
3.63 | 28.73 | 12.25 | 0.01 | 1.87 | 1.61 |
Assurant, Inc. provides protection services to connected devices, homes, and automobiles in North America, Latin America, Europe, and the Asia Pacific. It operates through Global Lifestyle and Global Housing segments. The Global Lifestyle segment offers mobile device solutions, and extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; and vehicle protection, commercial equipment protection, and other related services. The Global Housing segment provides lender-placed homeowners, manufactured housing, and flood insurance; renters insurance and other products; and voluntary manufactured housing, and condominium and homeowners insurance products. The company was formerly known as Fortis, Inc. and changed its name to Assurant, Inc. in February 2004. Assurant, Inc. was founded in 1892 and is headquartered in Atlanta, Georgia.
260 Interstate North Circle SE, Atlanta, GA, United States, 30339-2210
770 763 1000
14800
| Name | Title | Year Born |
|---|---|---|
| Mr. Keith Warner Demmings | Pres, CEO & Director | 1973 |
| Mr. Richard Steven Dziadzio | Exec. VP & CFO | 1964 |
| Ms. Francesca L. Luthi | Exec. VP & Chief Admin. Officer | 1976 |
| Mr. Keith Roland Meier | Chief Operating Officer | 1970 |
| Mr. Vadim Lipovetsky | Chief Investment Officer | NA |
| Mr. Dimitry DiRienzo | Sr. VP, Chief Accounting Officer & Controller | 1976 |
| Mr. Joseph A. Surber III | Sr. VP & Global Technology Officer | NA |
| Ms. Suzanne Shepherd | Sr. VP of Investor Relations & Sustainability | NA |
| Mr. John Pawloski | Sr. VP & Chief Compliance Officer | NA |
| Mr. Jay E. Rosenblum | Exec. VP & Chief Legal Officer | 1967 |
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