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Assurant

NYSE: AIZ

Stock price

272.86 USD

(+0%) TODAY

Multi-line InsuranceInsurance - Specialty
Financials

all figures in US$ Millions except per share data

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Actual
10 year cagr
Help
Where available up to 10y CAGR shown for absolute numbers 10y Average marked A shown for relative numbers such as margins
Fiscal
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Average (A)
Fiscal period end dates
Expand all rows
01Earnings per share
Help
Earnings per share = Net Income / Number of Shares Outstanding
2.1
9.1
9.4
4
6.1
6.7
10.2
5.1
12
14.5
17.4
23.8%
02Free cash flow per share
2
0.8
8.5
9.6
20.9
19.3
9.9
7.5
17.4
21.1
31.8
31.7%
03Dividends per share
1.4
2
2.2
2.3
2.4
2.6
2.7
2.7
2.8
3
3.3
9.1%
04Dividends payout, %
66.5%
22.2%
22.9%
59%
44.4%
39.3%
11.9%
54.3%
23.7%
20.5%
19.3%
(11.6)%
PROFIT AND LOSS STATEMENT
05Revenue
10,313
7,108
6,311
8,001
9,530
9,611
10,188
10,193
11,132
11,878
12,814
2.2%
06% Change
-
-
-
-
-
-
-
-
-
-
-
2.2%
07Cost of revenue
(6,145)
(3,160)
(3,211)
(4,643)
(5,623)
(5,947)
(6,038)
(2,360)
(2,522)
(2,767)
(2,928)
(7.2)%
08Gross profit
4,167
3,948
3,101
3,357
3,907
3,663
4,150
7,833
8,610
9,111
9,887
9%
09% Margin
40.4%
55.5%
49.1%
42%
41%
38.1%
40.7%
76.9%
77.4%
76.7%
77.2%
55.9% A
10Operating expenses
(3,966)
(3,099)
(2,656)
(3,024)
(3,452)
(3,085)
(3,379)
(7,483)
(7,803)
(8,184)
(8,799)
8.3%
11% of Revenue
(38.5)%
(43.6)%
(42.1)%
(37.8)%
(36.2)%
(32.1)%
(33.2)%
(73.4)%
(70.1)%
(68.9)%
(68.7)%
(49.5)% A
12Operating Income
201.2
848.6
444.5
333.5
454.7
578.1
771.3
349.9
806.8
927.3
1,087
18.4%
13Income tax expense
(59.6)
(283.2)
(75.1)
(80.9)
(148.3)
(58.7)
(168.4)
(73.3)
(164.3)
(167.1)
(214.7)
13.7%
14Net Income
141.6
565.4
519.6
251
382.6
440.8
1,362
276.6
642.5
760.2
872.7
19.9%
15% Margin
1.4%
8%
8.2%
3.1%
4%
4.6%
13.4%
2.7%
5.8%
6.4%
6.8%
5.9% A
16Shares Outstanding
69
61.9
55.3
59.5
62.3
63.2
60.1
54.8
53.8
52.6
50.2
(3.1)%
17EPS Basic
2.1
9.2
9.5
4
6.2
7
10.4
5.1
12
14.6
17.4
23.7%
18EPS Diluted
2.1
9.1
9.4
4
6.1
6.7
10.2
5.1
12
14.5
17.4
23.8%
19EBITDA
393.4
1,031
609.7
560.7
690.8
824.9
1,055
640.2
1,111
1,258
1,447
13.9%
% Margin
3.8%
14.5%
9.7%
7%
7.3%
8.6%
10.4%
6.3%
10%
10.6%
11.3%
9% A
20Net Interest Income (expense)
(55.1)
(57.6)
(49.5)
(100.3)
(110.6)
(104.5)
(111.8)
(108.3)
(108)
(107)
(109.7)
7.1%
21Net Debt / EBITDA
(0.3)
-
0.1
1.3
0.2
0.1
0.2
0.9
0.4
0.2
0.3
0.3 A
BALANCE SHEET
ASSETS
Current Assets
22Cash & equivalents
1,288
1,032
996.8
1,254
1,867
2,208
2,041
1,537
1,627
1,808
1,834
3.6%
23Short-term investments
10,724
9,800
9,947
11,630
12,725
7,108
7,463
6,439
2,106
7,457
2,718
(12.8)%
24Accounts receivable
8,755
10,322
11,154
10,810
11,286
8,154
8,186
9,491
9,012
9,764
8,596
(0.2)%
25Other current assets
(20,768)
(21,154)
(22,097)
(23,694)
(25,878)
(17,469)
-
-
-
-
-
(3.4)%
26Inventory
-
-
-
-
-
-
-
-
-
-
-
-
27Total Current Assets
-
-
-
-
-
-
17,690
17,467
12,745
19,028
13,148
(7.2)%
Non-Current Assets
28Net property, plant & equipment
298.4
343.6
347.6
392.5
433.7
446.1
561.4
645.1
685.8
768.3
841.7
10.9%
29Long-term investments
11,224
10,221
11,061
13,695
15,134
7,398
1,209
1,085
6,115
1,088
7,344
(4.2)%
30Other non-current assets
(11,523)
(10,565)
(11,409)
(14,087)
(15,567)
(7,844)
14,461
13,920
14,089
14,136
14,956
-
31Total Non-Current Assets
-
-
-
-
-
-
16,231
15,651
20,890
15,992
23,142
9.3%
Total Assets
30,076
29,709
31,843
41,089
44,291
44,650
33,921
33,117
33,635
35,021
36,290
1.9%
LIABILITIES
Current Liabilities
32Accounts payable
4,029
3,397
3,928
3,145
3,046
1,970
2,051
2,703
2,419
2,914
2,101
(6.3)%
33Short-term debt
-
-
-
-
-
-
-
224.7
-
-
-
-
34Other current liabilities
(4,029)
(3,397)
(3,928)
(3,145)
(3,046)
(1,970)
19,681
20,817
21,046
21,049
21,788
-
35Total Current Liabilities
-
-
-
-
-
-
21,732
23,744
23,465
23,963
23,890
2.4%
Non-Current Liabilities
36Long-term debt
1,165
1,067
1,068
2,006
2,007
2,253
2,203
1,905
2,080
2,083
2,207
6.6%
37Other non-current liabilities
(1,165)
(1,067)
(1,068)
(2,006)
(2,007)
(2,253)
4,522
3,239
3,280
3,868
4,322
-
38Total Non-Current Liabilities
-
-
-
-
-
-
6,725
5,145
5,361
5,951
6,528
(0.7)%
39Total Liabilities
25,552
25,611
27,562
35,955
38,609
38,695
28,457
28,889
28,826
29,914
30,418
1.8%
SHAREHOLDERS` EQUITY
40Common stock
1.5
1.5
1.5
1.6
1.6
0.6
0.7
0.6
0.6
0.5
0.5
(10.4)%
41Retained earnings / (deficit)
4,405
4,004
4,037
5,760
5,966
3,549
4,041
3,699
4,028
4,378
4,826
0.9%
42Accumulated other comprehensive income / (loss)
118.5
94.6
234
(155.4)
411.5
709.8
(150)
(986.2)
(765)
(836.1)
(544.2)
-
43Noncontrolling interests
-
-
10.9
21.9
29.3
3.4
-
-
-
-
-
(32.2)%
44Total shareholders' equity
4,524
4,098
4,282
5,134
5,682
5,955
5,464
4,229
4,810
5,107
5,872
2.6%
45Total Liabilities and shareholders' Equity
30,076
29,709
31,843
41,089
44,291
44,650
33,921
33,117
33,635
35,021
36,290
1.9%
46Total Debt
1,171
1,067
1,068
2,006
2,007
2,253
2,203
2,130
2,080
2,083
2,207
6.5%
47Net Debt
(123.6)
35
71.4
752
139.8
45.3
161.7
593.2
453
275.4
372.8
-
CASH FLOW STATEMENT
CASH FLOWS FROM OPERATING ACTIVITIES
48Net income (loss)
141.6
565.4
519.6
251
382.6
440.8
1,362
276.6
642.5
760.2
872.7
19.9%
49Depreciation & amortization
137.1
125.1
115.7
126.9
125.8
144.3
171.6
182
196.4
223.5
250
6.2%
50Share-based compensation expense
38.8
41.6
35.5
57.1
55.9
57.9
66.7
62.6
75.1
81.1
85.7
8.3%
51Changes in working capital and other assets
(62.9)
(597.6)
(140.4)
221.7
849.1
699
(818.4)
75.7
224.1
267.9
625.5
-
52Net cash flows from operating activities
254.6
134.5
530.4
656.7
1,413
1,342
781.7
596.9
1,138
1,333
1,834
21.8%
CASH FLOWS FROM INVESTING ACTIVITIES
53Purchases of property, plant and equipment
(114.9)
(85.2)
(62.1)
(82.8)
(110.3)
(121.2)
(187.4)
(186.3)
(202.5)
(221.3)
(235.5)
7.4%
54Purchases of investments / marketable securities
(3,159)
(4,559)
(4,336)
(6,318)
(4,342)
(2,586)
(3,202)
(3,199)
(2,290)
(2,477)
(3,376)
0.7%
55Proceeds from maturities of marketable securities
3,297
4,281
3,997
5,340
3,884
2,446
2,504
3,230
1,888
2,075
2,171
(4.1)%
56Other investing activities
240.9
1,089
(140.5)
(1,142)
(51.6)
(473.4)
1,043
(106.9)
(33.1)
(34.4)
(17.5)
-
57Net cash flows from investing activities
264.3
725.6
(541.2)
(2,203)
(619.8)
(735.2)
157.6
(262.1)
(637.7)
(657.8)
(1,458)
-
CASH FLOWS FROM FINANCING ACTIVITIES
58Issuance (repurchases) of common stock, net
(292.9)
(863.1)
(388.9)
137.1
(271.8)
(297)
(839.3)
(572.8)
(193.1)
(307.4)
(303.7)
0.4%
59Dividends paid, net
(94.2)
(125.3)
(119)
(148)
(170)
(173.3)
(162.3)
(150.2)
(152.3)
(155.9)
(168.4)
6%
60Debt issuance (repayments), net
-
(123.4)
450.8
1,824
235.5
242.5
(72.6)
(75.9)
(51.8)
-
121.7
-
61Other financing activities
(100.1)
5.7
30.4
25
27.1
(37)
(15.6)
(19.5)
(6.7)
(14.2)
(13.8)
(18)%
62Net cash flows from financing activities
(487.1)
(1,106)
(26.7)
1,838
(179.2)
(264.8)
(1,090)
(818.4)
(403.9)
(477.5)
(364.2)
(2.9)%
63Increase (decrease) in cash and cash equivalents
(30.4)
(256.3)
(35.2)
257.2
613.1
361.5
(173.8)
(518.1)
90.7
180.3
26.4
-
64Cash and equivalents, ending balance
1,288
1,032
996.8
1,254
1,867
2,229
2,055
1,537
1,627
1,808
1,834
3.6%
65Free Cash Flow to the Firm (FCFF)
Help
Free Cash Flow to the Firm = Cash Flows from Operating Activities - Capital Expenditures
139.7
49.3
468.3
573.9
1,303
1,221
594.3
410.6
935.6
1,111
1,598
27.6%

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