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Assurant

AIZ Clue Score56
United States Fiscal year ends December CIK 0001267238
$266.49 -2.33% Close, 9 Oct 2026
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Price $266.49 +65.27% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue7.53Net income0.57EPS, diluted9.13Fiscal year 2017Revenue6.42 −14.8%Net income0.52 −8.1%EPS, diluted9.39 +2.8%Fiscal year 2018Revenue8.06 +25.6%Net income0.25 −51.7%EPS, diluted3.98 −57.6%Fiscal year 2019Revenue9.57 +18.8%Net income0.38 +52.4%EPS, diluted5.84 +46.7%Fiscal year 2020Revenue9.60 +0.3%Net income0.44 +15.2%EPS, diluted6.98 +19.5%Fiscal year 2021Revenue10.19 +6.1%Net income1.36 +208.9%EPS, diluted22.66 +224.6%Fiscal year 2022Revenue10.19 +0.1%Net income0.28 −79.7%EPS, diluted5.05 −77.7%Fiscal year 2023Revenue11.13 +9.2%Net income0.64 +132.3%EPS, diluted11.95 +136.6%Fiscal year 2024Revenue11.88 +6.7%Net income0.76 +18.3%EPS, diluted14.46 +21.0%Fiscal year 2025Revenue12.81 +7.9%Net income0.87 +14.8%EPS, diluted16.93 +17.1%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 7.53 6.42 8.06 9.57 9.60 10.19 10.19 11.13 11.88 12.81
Growth −14.8% +25.6% +18.8% +0.3% +6.1% +0.1% +9.2% +6.7% +7.9%
Net income 0.57 0.52 0.25 0.38 0.44 1.36 0.28 0.64 0.76 0.87
Growth −8.1% −51.7% +52.4% +15.2% +208.9% −79.7% +132.3% +18.3% +14.8%
EPS, diluted 9.13 9.39 3.98 5.84 6.98 22.66 5.05 11.95 14.46 16.93
Growth +2.8% −57.6% +46.7% +19.5% +224.6% −77.7% +136.6% +21.0% +17.1%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin7.5%Free cash flow margin0.3%Fiscal year 2017Net margin8.1%Free cash flow margin7.3%Fiscal year 2018Net margin3.1%Free cash flow margin7.1%Fiscal year 2019Net margin4.0%Free cash flow margin13.6%Fiscal year 2020Net margin4.6%Free cash flow margin12.7%Fiscal year 2021Net margin13.4%Free cash flow margin5.8%Fiscal year 2022Net margin2.7%Free cash flow margin4.0%Fiscal year 2023Net margin5.8%Free cash flow margin8.4%Fiscal year 2024Net margin6.4%Free cash flow margin9.4%Fiscal year 2025Net margin6.8%Free cash flow margin12.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 7.5% 8.1% 3.1% 4.0% 4.6% 13.4% 2.7% 5.8% 6.4% 6.8%
Free cash flow margin 0.3% 7.3% 7.1% 13.6% 12.7% 5.8% 4.0% 8.4% 9.4% 12.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.11Capital expenditure−0.09Free cash flow0.02Buybacks−0.86Dividends paid−0.13Fiscal year 2017Operating cash flow0.53Capital expenditure−0.06Free cash flow0.47 +1,901.3%Buybacks−0.39Dividends paid−0.12Fiscal year 2018Operating cash flow0.66Capital expenditure−0.08Free cash flow0.57 +22.5%Buybacks−0.14Dividends paid−0.13Fiscal year 2019Operating cash flow1.41Capital expenditure−0.11Free cash flow1.30 +127.1%Buybacks−0.27Dividends paid−0.15Fiscal year 2020Operating cash flow1.34Capital expenditure−0.12Free cash flow1.22 −6.3%Buybacks−0.30Dividends paid−0.15Fiscal year 2021Operating cash flow0.78Capital expenditure−0.19Free cash flow0.59 −51.3%Buybacks−0.84Dividends paid−0.16Fiscal year 2022Operating cash flow0.60Capital expenditure−0.19Free cash flow0.41 −30.9%Buybacks−0.57Dividends paid−0.15Fiscal year 2023Operating cash flow1.14Capital expenditure−0.20Free cash flow0.94 +127.9%Buybacks−0.19Dividends paid−0.15Fiscal year 2024Operating cash flow1.33Capital expenditure−0.22Free cash flow1.11 +18.8%Buybacks−0.31Dividends paid−0.16Fiscal year 2025Operating cash flow1.83Capital expenditure−0.24Free cash flow1.60 +43.8%Buybacks−0.30Dividends paid−0.17
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.11 0.53 0.66 1.41 1.34 0.78 0.60 1.14 1.33 1.83
Capital expenditure −0.09 −0.06 −0.08 −0.11 −0.12 −0.19 −0.19 −0.20 −0.22 −0.24
Free cash flow 0.02 0.47 0.57 1.30 1.22 0.59 0.41 0.94 1.11 1.60
Growth +1,901.3% +22.5% +127.1% −6.3% −51.3% −30.9% +127.9% +18.8% +43.8%
Buybacks −0.86 −0.39 −0.14 −0.27 −0.30 −0.84 −0.57 −0.19 −0.31 −0.30
Dividends paid −0.13 −0.12 −0.13 −0.15 −0.15 −0.16 −0.15 −0.15 −0.16 −0.17

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash1.03Shareholders’ equity4.10Fiscal year 2017Cash1.00Total debt1.07Net cash (debt)−0.07Shareholders’ equity4.27Debt to equity0.25Fiscal year 2018Cash1.25Total debt2.01Net cash (debt)−0.75Shareholders’ equity5.11Debt to equity0.39Fiscal year 2019Cash1.87Total debt2.01Net cash (debt)−0.14Shareholders’ equity5.65Debt to equity0.36Fiscal year 2020Cash2.21Shareholders’ equity5.95Fiscal year 2021Cash2.04Shareholders’ equity5.46Fiscal year 2022Cash1.54Shareholders’ equity4.23Fiscal year 2023Cash1.63Shareholders’ equity4.81Fiscal year 2024Cash1.81Shareholders’ equity5.11Fiscal year 2025Cash1.83Shareholders’ equity5.87
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 1.03 1.00 1.25 1.87 2.21 2.04 1.54 1.63 1.81 1.83
Total debt n/a 1.07 2.01 2.01 n/a n/a n/a n/a n/a n/a
Net cash (debt) n/a −0.07 −0.75 −0.14 n/a n/a n/a n/a n/a n/a
Shareholders’ equity 4.10 4.27 5.11 5.65 5.95 5.46 4.23 4.81 5.11 5.87
Debt to equity n/a 0.25 0.39 0.36 n/a n/a n/a n/a n/a n/a

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
11.3% 6.9% 4.1% 4.8% 6.0% 7.6% 3.4% 7.2% 7.8% 8.5%
7.5% 8.1% 3.1% 4.0% 4.6% 13.4% 2.7% 5.8% 6.4% 6.8%
0.3% 7.3% 7.1% 13.6% 12.7% 5.8% 4.0% 8.4% 9.4% 12.5%
Spending
45.7% 42.3% 37.0% 33.3% 31.8% 31.9% n/a n/a n/a n/a
1.1% 1.0% 1.0% 1.2% 1.3% 1.8% 1.8% 1.8% 1.9% 1.8%
33.4% −16.9% 24.3% 32.6% 10.2% 21.8% 20.9% 20.4% 18.0% 19.7%
Returns
13.8% 12.2% 4.9% 6.8% 7.4% 24.9% 6.5% 13.4% 14.9% 14.9%
1.9% 1.6% 0.6% 0.9% 1.0% 4.0% 0.8% 1.9% 2.2% 2.4%
Balance and payout
n/a 0.25 0.39 0.36 n/a n/a n/a n/a n/a n/a
86.2% 86.6% 87.5% 87.2% 86.7% 83.9% 87.2% 85.7% 85.4% 83.8%
22.2% 22.9% 53.3% 39.6% 35.1% 11.6% 54.3% 23.7% 20.5% 19.3%
4,223.9% 108.5% 47.6% 32.5% 37.0% 167.7% 176.1% 36.9% 41.7% 29.5%