It has been about a month since the last earnings report for Assurant (AIZ) . Shares have added about 3.5% in that time frame, underperforming the S&P 500.Will the recent positive trend continue leading up to its next earnings release, or is Assurant due for a pullback? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at the most recent earnings report in order to get a better handle on the important drivers.How Have Estimates Been Moving Since Then?It turns ou ...

Key Takeaways Assurant is focused on expanding its capital-light businesses, which contribute 52% of segment revenues. AIZ's strong cash flow generation poise it well for sustained growth and long-term shareholder value creation. Assurant's shares have gained 17.6% in the past year compared with the industry's growth of 7.5%.Shares of Assurant, Inc. (AIZ) have gained 17.6% in the past year, outperforming its industry and the Zacks S&P 500 composite’s growth of 7.5% and 11.9%, respectively. It, however, un ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2025 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31978 Assurant, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation) (I.R.S. Employer ...

Assurant, Inc. (AIZ) reported first-quarter 2025 net operating income of $3.39 per share, which beat the Zacks Consensus Estimate by 19.4%. The bottom line, however, declined 29% year over year. Quarterly results benefited from higher net earned premiums, fees and other income across both the Global Housing and Global Lifestyle segments. It was partially offset by higher expenses, poor results in Connected Living and wider catastrophe losses. (Find the latest EPS estimates and surprises on Zacks Earnings Ca ...

Financial Data and Key Metrics Changes - The company reported a 14% growth in adjusted EBITDA and a 16% growth in adjusted earnings per share for Q1 2025, both excluding reportable catastrophes [5][19] - The holding company liquidity position remained solid at over $500 million at quarter end, with over $100 million returned to shareholders, including $62 million in share repurchases [20] Business Line Data and Key Metrics Changes - In Global Lifestyle, adjusted EBITDA was down 5% compared to last year, impacted by unfavorable foreign exchange and a prior year one-time client contract benefit [21] - Global Automotive saw stable adjusted EBITDA, with improved loss experience offsetting lower investment income [23] - Global Housing achieved a 31% increase in adjusted EBITDA to $269 million, excluding catastrophes, driven by significant policy growth and favorable non-catastrophe loss experience [24] Market Data and Key Metrics Changes - The homeowners business experienced a 17% top-line growth, primarily due to the addition of 70,000 lender-placed policies [12] - The renters business added over 250,000 policies through a new renter's book, contributing to double-digit written premium growth in the property management company channel [13][68] Company Strategy and Development Direction - The company is focused on executing and optimizing partnerships across lifestyle and housing, with significant investments in new programs and clients [6][16] - The strategy emphasizes a differentiated B2B2C distribution model, aiming to leverage competitive advantages and financial performance [15] - The company plans to continue expanding offerings with existing clients and entering adjacent sectors through new product launches [16] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving the ninth consecutive year of earnings growth in 2025, despite macroeconomic uncertainties [16][29] - The company is closely monitoring the impact of tariffs and macroeconomic conditions on claims costs and consumer demand, with a belief that the business model can navigate these challenges [17][29] Other Important Information - The company was recognized by the American Red Cross as a 2025 disaster relief hero for its support during 2024 storms [12] - The 2025 catastrophe reinsurance program was successfully placed, increasing coverage at more attractive terms [26] Q&A Session Summary Question: Update on Global Lifestyle loss ratio and improvement expectations - Management acknowledged the high loss ratio and indicated ongoing efforts in Global Auto to drive improvements, with encouraging trends in loss experience [33][37] Question: Size and cadence of investments in Connected Living - Management confirmed continued investments similar to previous years, with a focus on new client launches and capabilities [39][40] Question: Impact of tariffs on guidance - Management indicated that tariffs are expected to have manageable impacts, particularly in auto and housing, and that the business is well-positioned to navigate these challenges [45][46] Question: Expense ratio impact from catastrophe losses - Management noted that the expense ratio was impacted by higher reinsurance costs and claims management expenses, but underlying expenses remained flat year over year [52][53] Question: Financial impact of Total Wireless by Verizon - Management clarified that the program is a new launch, starting from customer one, and will ramp up over three to four years [60][61] Question: Trends in lender-placed business and voluntary insurance market - Management confirmed continued growth in lender-placed policies, particularly in California and the Midwest, indicating ongoing demand [63][65] Question: Trade-in dynamics and customer behavior - Management noted that customers are keeping devices longer, but promotional activity also influences demand, with competitive intensity expected to drive growth [66][67] Question: Growth in renters business and new customer acquisition - Management highlighted the strategic acquisition of 250,000 policies and ongoing double-digit growth in the property management channel [68][70]

First Quarter 2025 Results Investor Presentation © 2025 Assurant, Inc. All rights reserved. Company confidential. 1 Keith Demmings President & Chief Executive Officer Keith Meier Executive Vice President & Chief Financial Officer © 2025 Assurant, Inc. All rights reserved. Company confidential. 2 Cautionary Statement Some of the statements in this presentation, including our business and financial plans and any statements regarding our anticipated future financial performance, business prospects, growth, ope ...

Assurant (AIZ) came out with quarterly earnings of $3.39 per share, beating the Zacks Consensus Estimate of $2.84 per share. This compares to earnings of $4.78 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 19.37%. A quarter ago, it was expected that this insurer would post earnings of $4.33 per share when it actually produced earnings of $4.79, delivering a surprise of 10.62%.Over the last four quarters, the company has surp ...

Exhibit 99.1 First Quarter Consolidated Results | (Unaudited) | | | Q1'25 | Q1'24 | Change | | --- | --- | --- | --- | --- | --- | | $ | in millions | | | | | | GAAP | net income | | 146.6 | 236.4 | (38)% | | Adjusted | EBITDA | | | | | | Global | Lifestyle | | 197.8 | 207.7 | (5)% | | Global | Housing | | 112.4 | 192.5 | (42)% | | Corporate | and Other | | (28.0) | (29.5) | 5% | | 1 | Adjusted EBITDA | | 282.2 | 370.7 | (24)% | | Reportable | catastrophes | | 157.0 | 13.0 | | | Adjusted | EBITDA, ex. | rep ...

Assurant, Inc. (AIZ) is expected to register an improvement in its top line but a decline in its bottom line when it reports first-quarter 2025 results on May 6, after the closing bell.The Zacks Consensus Estimate for AIZ’s first-quarter revenues is pegged at $3.05 billion, indicating 5.6% growth from the year-ago reported figure.The consensus estimate for earnings is pegged at $3.00 per share. The Zacks Consensus Estimate for AIZ’s first-quarter earnings has moved up 2.5% in the past 30 days. The estimate ...

Assurant (AIZ) is expected to deliver a year-over-year decline in earnings on higher revenues when it reports results for the quarter ended March 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 stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on May 6. On the ot ...