Core Insights - Assurant, Inc. (AIZ) is anticipated to show improvements in both revenue and earnings for Q3 2025, with results expected to be reported on November 4 [1][9] - The Zacks Consensus Estimate for AIZ's Q3 revenues is $3.16 billion, reflecting a 5.8% increase year-over-year [1] - The consensus estimate for earnings per share is $4.06, indicating a year-over-year increase of 35.3% despite a slight downward revision of 0.2% in the past 30 days [2] Revenue and Earnings Estimates - The expected revenue for Q3 is $3.16 billion, with a growth of 5.8% from the previous year [1] - The estimated net earned premiums, fees, and other income for Q3 is $2.5 billion, representing a 4.6% increase [6] - Fees and other income are projected to rise by 10.9% to $486.9 million [6] Segment Performance - The Global Housing segment is expected to drive revenue growth, with a projected revenue of $711 million, an 11.8% increase from the previous year [8] - The Global Lifestyle segment is anticipated to generate $2.4 billion in revenue, reflecting a 4.8% growth [10] - Growth in the Global Lifestyle segment is attributed to Connected Living and improved loss experience in Global Automotive [9] Investment Income and Expenses - Net investment income is estimated at $125.1 million, influenced by higher yields and assets in fixed maturity securities [7] - Total expenses are expected to reach $2.8 billion, driven by increased underwriting and administrative costs [10] Earnings Prediction Model - The current Earnings ESP for AIZ is -0.05%, indicating that the model does not predict an earnings beat this time [3] - AIZ holds a Zacks Rank of 3 (Hold), suggesting a neutral outlook [4]

Core Insights - Assurant, Inc. (AIZ) is a risk management solutions provider with a market cap of $9.4 billion, specializing in lifestyle and housing protection products [1] - The company is expected to announce its fiscal third-quarter earnings for 2025 on November 4, with analysts predicting a profit of $4.06 per share, a 35.3% increase from the previous year [2] - AIZ's stock has increased by 5.9% over the past year, underperforming compared to the S&P 500 Index's 14.8% gains [4] Financial Performance - For the current year, analysts forecast AIZ to report an EPS of $17.59, reflecting a 5.7% increase from $16.64 in fiscal 2024 [3] - The EPS is projected to rise by 15.8% year-over-year to $20.37 in fiscal 2026 [3] - In Q2 2025, AIZ reported an adjusted EPS of $5.56, exceeding estimates, with revenue rising about 8% year-over-year to $3.2 billion, driven by growth in Global Housing and Global Lifestyle segments [5] Analyst Ratings - The consensus opinion on AIZ stock is moderately bullish, with four out of seven analysts recommending a "Strong Buy" and one a "Moderate Buy" [6] - The average analyst price target for AIZ is $233.20, indicating a potential upside of 25.6% from current levels [6]

Core Insights - Assurant, Inc. (AIZ) has acquired the mobile device test automation technology portfolio from OptoFidelity to enhance efficiency and value for its partners [1][10] - The acquisition aligns with Assurant's strategy to invest in technologies that support growth and innovation in its Global Connected Living business [2][5] Group 1: Acquisition Details - OptoFidelity has delivered over 9,000 advanced mobile device testing systems globally since its founding in 2005, known for precision and repeatability [2] - The acquisition will allow Assurant to repurpose a greater volume of devices with enhanced precision and efficiency, meeting growing demand and maintaining high-quality standards [3][4] Group 2: Strategic Growth Initiatives - Assurant aims to strengthen global partnerships and invest in technology, including digital and AI, to drive growth [5] - The opening of the Innovation and Device Care Center in October 2024 supports mobile device lifecycle solutions and enhances automation capabilities [6] Group 3: Future Collaborations - Assurant will collaborate with FutureDial, a key customer of the acquired technology, to ensure continued support and service for clients [7][10] Group 4: Business Impact - The acquisition is expected to bolster Assurant's Connected Living business, which provides mobile device solutions and contributes to top-line growth [8] - Assurant's shares have gained 5.2% over the past year, outperforming the industry growth of 2.5% [9]

Core Insights - Assurant, Inc. (AIZ) has acquired the mobile device test automation technology portfolio from OptoFidelity to enhance operational efficiency and value creation for partners [1][10] - The acquisition aligns with Assurant's strategy to invest in technologies that improve efficiency and expedite service delivery [1][5] Company Overview - OptoFidelity, founded in 2005, has delivered over 9,000 advanced mobile device testing systems globally, known for their precision and repeatability [2] - The acquisition will allow OptoFidelity to leverage Assurant's Global Connected Living strategy for better growth opportunities [2] Operational Efficiency - The integration of OptoFidelity's technology will enable Assurant to meet increasing demand and uphold high-quality standards by reusing devices from trade-ins and other sources [3][4] - The modular technology from OptoFidelity is adaptable to changing production volumes and testing needs, ensuring high-quality results across both iOS and Android devices [4] Strategic Growth - Assurant aims to drive growth through strategic collaborations and investments in technology, including digital and AI [5] - The opening of the Innovation and Device Care Center in October 2024 supports mobile device lifecycle solutions and enhances automation capabilities [6] Collaboration and Service Quality - Assurant will collaborate with FutureDial, a key customer of the acquired technology, to ensure continued support and exceptional service for clients [7][10] Business Segment Impact - The acquisition is expected to bolster Assurant's Global Lifestyle segment, which provides mobile device solutions and contributes to the company's top-line growth [8]

Core Insights - Assurant Inc. is a global protection and insurance company that collaborates with leading brands to provide risk management and support services for connected devices, homes, and vehicles [1] Financial Performance - Assurant is set to report its Q3 2025 earnings on November 4, with Wall Street analysts predicting an EPS of $4.09, an increase from $3 in the same period last year [2] - Quarterly revenue is expected to reach $3.15 billion, up from $2.97 billion a year earlier [2] - In Q2 2025, Assurant reported adjusted EPS of $5.10, exceeding the consensus estimate of $4.49, and revenues of $3.16 billion, surpassing the consensus of $3.12 billion [3] Growth Outlook - The company has raised its 2025 enterprise outlook, anticipating adjusted earnings per share to grow by nearly 10% and adjusted EBITDA to increase in the mid- to high single digits, excluding reportable catastrophes [4] - Assurant plans to return $250 to $300 million in share repurchases, reflecting a strong capital position and business performance [4] Dividend Information - Assurant's dividend yield stands at 1.44%, with a total of $3.20 per share paid in dividends over the last 12 months [2] - To generate an income of $100 per month from Assurant dividends, an investment of approximately $83,333 is required, based on the current dividend yield [5][6]

Core Viewpoint - UBS has set a price target of $255 for Assurant, indicating a potential upside of approximately 17.9% from the current stock price of $216.29 [1] Group 1: Financial Performance - Assurant is set to announce its third-quarter financial results on November 4, 2025, after market close, with a conference call scheduled for the following morning [2] - The upcoming financial results are expected to influence the stock's performance and investor sentiment [2] Group 2: Stock Performance - Currently, Assurant's stock price is $216.29, reflecting a decrease of $5.40 or approximately -2.44% [3] - The stock has traded between $216.21 and $223.65 today, with a yearly high of $230.55 and a low of $174.97, indicating volatility [3] Group 3: Market Capitalization - Assurant's market capitalization is approximately $10.91 billion, with a trading volume of 365,113 shares on the NYSE, reflecting the company's size and investor interest [4] - The upcoming financial results could impact the market capitalization and trading volume depending on the company's performance [4]

Core Insights - The article emphasizes the importance of sales growth over earnings when evaluating stocks, suggesting that steady sales growth indicates strong demand and a durable business model [2][3][10] - A selection of stocks with robust sales growth and high cash balances is recommended, including StoneCo, Garmin, Assurant, VICI Properties, and Duke Energy, all of which show promising sales growth for 2025 [10][11][12][13][14][15] Sales Growth and Cash Flow - Sales growth is preferred over earnings as it reflects actual demand and provides visibility into a company's business model [3][5] - Constant sales growth leads to predictable cash flows, allowing companies to reinvest, expand, or return capital to shareholders without excessive debt reliance [5] Stock Selection Criteria - Stocks are shortlisted based on criteria such as 5-Year Historical Sales Growth greater than industry average and Cash Flow exceeding $500 million [6] - Additional metrics include a Price/Sales (P/S) Ratio lower than the industry average, positive changes in sales estimate revisions, operating margins above 5%, and Return on Equity (ROE) greater than 5% [7][8][9] Recommended Stocks - **StoneCo Ltd. (STNE)**: Expected sales growth of 9.8% for 2025, currently holds a Zacks Rank 1 [11] - **Garmin Ltd. (GRMN)**: Anticipated sales growth of 12.3% for 2025, currently holds a Zacks Rank 2 [12] - **Assurant Inc. (AIZ)**: Projected sales growth of 5.7% for 2025, currently holds a Zacks Rank 2 [13] - **VICI Properties Inc. (VICI)**: Expected sales growth of 4% for 2025, currently holds a Zacks Rank 2 [14] - **Duke Energy Corporation (DUK)**: Anticipated sales growth of 4.6% for 2025, currently holds a Zacks Rank 2 [15]

Core Insights - Zacks Premium offers various tools for investors to enhance their stock market strategies and confidence [1] - The Zacks Style Scores are designed to help investors select stocks with the highest potential to outperform the market in the short term [2] Zacks Style Scores Overview - Stocks are rated based on value, growth, and momentum characteristics, with scores ranging from A to F, where A indicates the highest potential for outperformance [3] - The Value Score identifies attractive stocks using financial ratios like P/E and Price/Sales [3] - The Growth Score focuses on a company's financial health and future growth potential, considering earnings and cash flow [4] - The Momentum Score assesses trends in stock prices and earnings estimates to identify favorable investment opportunities [5] - The VGM Score combines all three styles to highlight stocks with the best value, growth, and momentum characteristics [6] Zacks Rank and Style Scores Interaction - The Zacks Rank is a proprietary model that utilizes earnings estimate revisions to guide investors in building successful portfolios [7] - Stocks rated 1 (Strong Buy) have historically outperformed the S&P 500, achieving an average annual return of +23.81% since 1988 [7] - Investors are encouraged to select stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B for optimal success [9] - Stocks with lower ranks, even if they have good Style Scores, may still face downward price pressure due to negative earnings forecasts [10] Company Spotlight: Assurant Inc. (AIZ) - Assurant Inc. is a global provider of risk management solutions, operating in multiple regions including North America and Europe [11] - The company holds a Zacks Rank of 2 (Buy) and has a VGM Score of B, indicating strong potential [11] - Assurant is projected to achieve year-over-year earnings growth of 5.8% for the current fiscal year, with upward revisions in earnings estimates [12] - The Zacks Consensus Estimate for Assurant's earnings has increased by $0.59 to $17.60 per share, with an average earnings surprise of +18.9% [12]

Core Viewpoint - Assurant, Inc. is set to release its third quarter 2025 financial results on November 4, 2025, after market close, indicating a focus on transparency and communication with stakeholders [1]. Financial Results Announcement - The financial results will be available on Assurant's official website, showcasing the company's commitment to providing accessible information to investors [1]. - A conference call will be held the following morning, November 5, 2025, allowing for direct engagement with analysts and investors [1].

Core Viewpoint - Assurant, Inc. (AIZ) is experiencing a short-term bullish trend as it trades above its 200-day simple moving average, despite a recent decline in share price from its 52-week high [1] Company Performance - Assurant's share price as of Tuesday was $205.44, down 10.8% from its 52-week high of $230.55 [1] - The company has a market capitalization of $10.36 billion, with an average trading volume of 0.4 million shares over the last three months [3] - Over the past year, Assurant's shares have gained 6%, underperforming the industry average return of 8.5% [2][7] Valuation Metrics - Assurant's forward 12-month price-to-book ratio is 10.54X, which is above the industry average of 8.91X [4] - The average target price for Assurant shares is $239.33, suggesting a potential upside of 14.7% from the last closing price [11] Growth Projections - The Zacks Consensus Estimate for Assurant's 2025 earnings per share indicates a year-over-year increase of 5.7%, with revenues expected to reach $12.63 billion, reflecting a 5.6% improvement [9] - For 2026, earnings per share and revenues are projected to increase by 15.1% and 4.8%, respectively, compared to 2025 estimates [9] - Earnings have grown 16.6% over the past five years, outperforming the industry average of 9.8% [9] Analyst Sentiment - Three out of five analysts covering Assurant have raised their estimates for 2025 and 2026 over the past 30 days, leading to a 3.5% and 2.6% increase in the consensus estimates for those years [10] Return on Capital - Assurant's return on equity in the trailing 12 months was 16.4%, exceeding the industry average of 14.8% [13] - The return on invested capital (ROIC) was 10.7%, significantly higher than the industry average of 1.9% [13] Strategic Focus - Assurant is concentrating on expanding its capital-light businesses, which currently account for 52% of segment revenues, and is expected to grow in double digits over the long term [14] - The company is enhancing its Connected Living platform, particularly in mobile protection, which is anticipated to drive solid growth [15][18] Capital Management - Assurant has a robust capital management policy, with an 11% dividend increase approved in November 2024, marking the 20th consecutive year of dividend hikes [19] - The company has repurchased shares totaling $62 million in Q2 2025, with an additional $25 million repurchased from July 1 to August 1, 2025 [19]