AIZAssurant
We are a premier global protection company that partners with the world’s leading brands to safeguard and service connected devices, homes and automobiles. 10-K, Item 1
- Employees
- 14,800
- Headquarters
- Atlanta, GA
- CEO
- Keith Demmings
- Next results
- around Feb 9, 2027
All key numbers (34) From EDGAR
| EPS (ttm) | 21.20 | Sales (ttm) | 13.8B | Net income (ttm) | 1.1B | Sales growth | +7.9% | EPS growth | +17.1% | Sales Q/Q | +9.2% |
| Free cash flow | 1.8B | Gross margin | - | Oper. margin | - | Net margin | 7.8% | FCF margin | 13.3% | ROE | 17.9% |
| ROA | 2.9% | R&D / sales | - | Dividend | 3.28 | Debt/Eq | - | Curr. ratio | - | Cash | 1.8B |
| Op. cash flow (ttm) | 2.1B | Payout ratio | 19.4% | Tax rate | 19.7% | Stock pay / sales | 0.7% | Shares out. | 49.1M | Shares Y/Y | -1.9% |
| Book / share | 122.12 | Cash / share | 36.23 | Sales / share | 280.32 | Asset turnover | 0.38 | Sales 3Y CAGR | +7.9% | Sales 5Y CAGR | +6.0% |
| EPS 3Y CAGR | +49.7% | EPS 5Y CAGR | +19.4% | Employees | 14,800 | Sales / employee | 929K |
Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.
Changes in the numbers
FY2025 against FY2024-
Free cash flow rose 44%$1.1B → $1.6B · Cash from operations − capital expenditure · 10-K ↗
AIZ against Financials peers
Ten years, side by side → · All 76 →Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How
Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.
| Company | Revenue (ttm) | Sales growth | Gross margin | Net margin | ROE | FCF margin | Debt / equity |
|---|---|---|---|---|---|---|---|
| AIZ Assurant | $13.8B | +7.9% | - | 7.8% | 17.9% | 13.3% | - |
| STT State Street Corporation | $15.5B | +7.3% | - | 23.8% | 12.8% | -24.1% | 0.88 |
| WRB W. R. Berkley Corporation | $14.9B | +7.8% | - | 12.5% | 19.4% | - | - |
| ICE Intercontinental Exchange | $14.0B | +7.5% | - | 29.6% | 13.9% | 37.6% | 0.88 |
| CINF Cincinnati Financial | $13.3B | +11.4% | - | 20.1% | 16.5% | 23.2% | 0.05 |
| FIS Fidelity National Information Services | $12.9B | +5.4% | 35.8% | 26.8% | 21.3% | 21.5% | 1.28 |
Profitability
2 of 3- !Net margin below the peer median7.8% vs 20.4%
- ✓Return on equity above 15%17.9%
- ✓A profit in every one of 10 years
Cash and shareholders
2 of 2- ✓Share count down over 5 years−19.1%
- ✓Dividend per share up over 5 years$2.55 → $3.28
Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.
Revenue and net income, FY2016 to FY2025
Revenue 12.8B Net income 872.7MFrom XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →
Where the $12.9B of revenue came from
by segment, year to Dec 31, 2025- Global Lifestyle $9.9B · 77%
- Global Housing $2.9B · 23%
From the segment tables in the 10-K XBRL. Revenue by segment, product and region →
AIZ's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.
Revenue by business segment
year to Dec 31, 2025| Revenue | Share | vs year before | |
|---|---|---|---|
| Global Lifestyle | 9.9B | 77.6% | +6.6% |
| Global Housing | 2.9B | 22.7% | +12.6% |
10-K 0001267238-26-000010, segment and revenue notes (XBRL).
Revenue by region
year to Dec 31, 2025| Revenue | Share | vs year before | |
|---|---|---|---|
| United States | 10.5B | 82.3% | +7.5% |
| Foreign countries | 2.3B | 17.7% | +9.9% |
10-K 0001267238-26-000010, segment and revenue notes (XBRL).
Income statement
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7.5B | 6.4B | 8.1B | 9.6B | 9.6B | 10.2B | 10.2B | 11.1B | 11.9B | 12.8B |
| SG&A | 3.4B | 2.7B | 3.0B | 3.2B | 3.0B | 3.2B | - | - | - | - |
| Interest expense | 57.6M | 49.5M | 100.3M | 110.6M | 104.5M | 111.8M | 108.3M | 108.0M | 107.0M | 109.7M |
| Pretax income | 848.6M | 444.5M | 333.5M | 454.7M | 578.1M | 771.3M | 349.9M | 806.8M | 927.3M | 1.1B |
| Income tax | 283.2M | -75.1M | 80.9M | 148.3M | 58.7M | 168.4M | 73.3M | 164.3M | 167.1M | 214.7M |
| Net income | 565.4M | 519.6M | 251.0M | 382.6M | 440.8M | 1.4B | 276.6M | 642.5M | 760.2M | 872.7M |
| EPS (diluted) | 9.13 | 9.39 | 3.98 | 5.84 | 6.98 | 22.66 | 5.05 | 11.95 | 14.46 | 16.93 |
| Diluted shares | 61.9M | 55.3M | 59.5M | 62.3M | 63.2M | 60.1M | 54.8M | 53.2M | 52.1M | 51.1M |
| Depreciation & amortization | 125.1M | 115.7M | 126.9M | 125.5M | 142.3M | 171.6M | 182.0M | 196.4M | 223.5M | 250.0M |
| Net margin | 7.5% | 8.1% | 3.1% | 4.0% | 4.6% | 13.4% | 2.7% | 5.8% | 6.4% | 6.8% |
| Revenue growth | - | -14.8% | +25.6% | +18.8% | +0.3% | +6.1% | +0.1% | +9.2% | +6.7% | +7.9% |
| EPS growth | - | +2.8% | -57.6% | +46.7% | +19.5% | +225% | -77.7% | +137% | +21.0% | +17.1% |
Balance sheet
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash | 1.0B | 996.8M | 1.3B | 1.9B | 2.2B | 2.0B | 1.5B | 1.6B | 1.8B | 1.8B |
| Short-term investments | - | - | 373.2M | 402.5M | - | - | - | - | - | - |
| Property & equipment | 343.6M | 347.6M | 392.5M | 433.7M | 446.1M | 561.4M | 645.1M | 685.8M | 768.3M | 841.7M |
| Goodwill | 830.9M | 917.7M | 2.3B | 2.2B | 2.6B | 2.6B | 2.6B | 2.6B | 2.6B | 2.6B |
| Total assets | 29.7B | 31.8B | 41.1B | 44.3B | 44.6B | 33.9B | 33.1B | 33.6B | 35.0B | 36.3B |
| Total debt | - | 1.1B | 2.0B | 2.0B | - | - | - | - | - | - |
| Total liabilities | 25.6B | 27.6B | 36.0B | 38.6B | 38.7B | 28.5B | 28.9B | 28.8B | 29.9B | 30.4B |
| Shareholders' equity | 4.1B | 4.3B | 5.1B | 5.7B | 6.0B | 5.5B | 4.2B | 4.8B | 5.1B | 5.9B |
| Retained earnings | 5.3B | 5.7B | 5.8B | 6.0B | 3.5B | 4.0B | 3.7B | 4.0B | 4.4B | 4.8B |
Cash flow
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 108.6M | 530.4M | 656.7M | 1.4B | 1.3B | 781.7M | 596.9M | 1.1B | 1.3B | 1.8B |
| Capital spending | 85.2M | 62.1M | 82.8M | 110.3M | 121.2M | 187.4M | 186.3M | 202.5M | 221.3M | 235.5M |
| Free cash flow | 23.4M | 468.3M | 573.9M | 1.3B | 1.2B | 594.3M | 410.6M | 935.6M | 1.1B | 1.6B |
| Stock-based pay (added back) | 41.6M | 35.5M | 57.1M | 55.9M | 57.9M | 66.7M | 62.6M | 75.1M | 81.1M | 85.7M |
| Dividends paid | 125.3M | 119.0M | 133.8M | 151.4M | 154.6M | 157.6M | 150.2M | 152.3M | 155.9M | 168.4M |
| Buybacks | 863.1M | 388.9M | 139.3M | 271.8M | 297.0M | 839.3M | 572.8M | 193.1M | 307.4M | 303.7M |
| Acquisitions | 63.2M | 129.1M | 1.1B | 7.6M | 458.6M | 16.6M | 72.5M | 300K | 12.9M | 23.5M |
| Debt raised | 249.6M | 0 | 1.3B | 346.7M | 243.7M | 347.2M | 0 | 173.2M | 0 | 298.0M |
| Debt repaid | 373.0M | 0 | 350.0M | 379.6M | 0 | 419.8M | 75.9M | 225.0M | 0 | 176.3M |
| Investing cash flow | 725.6M | -541.2M | -2.2B | -619.8M | -735.2M | 157.6M | -262.1M | -637.7M | -657.8M | -1.5B |
| Financing cash flow | -1.1B | -26.7M | 1.8B | -179.2M | -264.8M | -1.1B | -818.4M | -403.9M | -477.5M | -364.2M |
| Dividend per share | 2.03 | 2.15 | 2.28 | 2.43 | 2.55 | 2.66 | 2.74 | 2.82 | 2.96 | 3.28 |
Stock-based pay and leases
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based pay (expense) | 41.6M | 35.5M | 57.1M | 55.9M | 57.9M | 66.7M | 62.6M | 75.1M | 81.1M | 85.7M |
| Stock-based pay / revenue | 0.6% | 0.6% | 0.7% | 0.6% | 0.6% | 0.7% | 0.6% | 0.7% | 0.7% | 0.7% |
| Operating lease cost | - | - | - | 22.1M | 23.8M | 23.1M | 18.1M | 19.0M | 23.2M | 19.0M |
| Operating lease cash paid | - | - | - | 21.3M | 22.7M | 23.8M | 19.3M | 19.4M | 23.4M | 20.3M |
| Right-of-use assets | - | - | - | 69.5M | 67.0M | 47.7M | 29.6M | 23.0M | 54.1M | 59.2M |
| Operating lease liabilities | - | - | - | 76.4M | 77.7M | 60.5M | 39.7M | 35.3M | 62.4M | 73.9M |
From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.
Work on AIZ in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/AIZ/export.csv") into a cell.