Jun 2026 (Q2 FY26) — Aug 5, 2026
Assurant Q2 FY26 — Record Earnings and Increased Full-Year Outlook
Read the full callAssurant (AIZ) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Assurant earnings: last reported Wed, 5 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 3,454 | +9.4% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 299 | +26.9% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
11 of 16 judged targets kept · 23 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Global Lifestyle adjusted EBITDA growth | high single-digit | Dec 2025 | We're increasing our outlook for lifestyle and now expect growth of low double digits, reflecting our strong first half results. | Revised Up |
| Catastrophe load | $180 million to $185 million | Dec 2025 | Lower cat reinsurance costs also contributed to growth, driven by favorable pricing following the April 1 placement of our 2026 program. | On Track |
| Catastrophe reinsurance premiums | approximately $225 million | Mar 2025 | In terms of costs, our 2026 catastrophe reinsurance premiums are estimated to be approximately $180 million, compared to approximately $200 million in 2025. | Achieved |
5 of ASSURANT, INC.'s 39 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 36 more targets are in the full ledger.
Claimed
- Delivered second consecutive quarter of record earnings, with adjusted EBITDA and adjusted EPS growth rates in the high teens, both excluding reportable catastrophes.
- Global Lifestyle adjusted EBITDA increased 21% in Q2 and year-to-date, driven by Connected Living and Global Automotive.
- Connected Living EBITDA growth was 29% in Q2, or 22% normalized for non-run rate items, with 4 million device protection subscribers added.
- Global Housing adjusted EBITDA, excluding cats, increased 18% in Q2, supported by a lower non-cat loss ratio of approximately 35%.
- Secured a new partnership with Freedom Mortgage, a top 10 U.S. mortgage servicing partner, adding approximately 2.6 million loans to the lender-placed business.
Qualified
- Second quarter results were partially offset by $12 million of lower favorable prior period reserve development.
- Lender-placed placement rate was down sequentially due to a client transferring a portion of their loan portfolio to a non-Assurant servicer.
Price
$281.87 +2.00% · +$5.54
Performance +27.1% 1Y
1Y: $221.81 on 14 Oct 2025 → $281.87. High $301.57 (5 Aug 2026), low $207.7 (16 Oct 2025).
- Previous close
- $276.33
- 52-week range
- $207.7 – $301.57
- One year
- +31.19%
Overview
- Symbol
- AIZ
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
11 of 16 judged targets kept · 23 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Global Lifestyle adjusted EBITDA growth | high single-digit | Dec 2025 | We're increasing our outlook for lifestyle and now expect growth of low double digits, reflecting our strong first half results. | Revised Up |
| Catastrophe load | $180 million to $185 million | Dec 2025 | Lower cat reinsurance costs also contributed to growth, driven by favorable pricing following the April 1 placement of our 2026 program. | On Track |
| Catastrophe reinsurance premiums | approximately $225 million | Mar 2025 | In terms of costs, our 2026 catastrophe reinsurance premiums are estimated to be approximately $180 million, compared to approximately $200 million in 2025. | Achieved |
Claimed
- Delivered second consecutive quarter of record earnings, with adjusted EBITDA and adjusted EPS growth rates in the high teens, both excluding reportable catastrophes.
- Global Lifestyle adjusted EBITDA increased 21% in Q2 and year-to-date, driven by Connected Living and Global Automotive.
- Connected Living EBITDA growth was 29% in Q2, or 22% normalized for non-run rate items, with 4 million device protection subscribers added.
- Global Housing adjusted EBITDA, excluding cats, increased 18% in Q2, supported by a lower non-cat loss ratio of approximately 35%.
- Secured a new partnership with Freedom Mortgage, a top 10 U.S. mortgage servicing partner, adding approximately 2.6 million loans to the lender-placed business.
Qualified
- Second quarter results were partially offset by $12 million of lower favorable prior period reserve development.
- Lender-placed placement rate was down sequentially due to a client transferring a portion of their loan portfolio to a non-Assurant servicer.
The full ledger
Open ASSURANT, INC.’s full ledger
A free account opens 5 company ledgers a month. All 39 tracked commitments, with each call’s wording and source.
Call summaries
Every analysed call
Assurant earnings calls (AIZ)
Financials
What the filings say
Net profit, year on year: +27% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 2,968 | 3,105 | 3,074 | 3,158 | 3,232 | 3,350 | 3,420 | 3,454 |
| Profit before tax | 152 | 250 | 184 | 289 | 331 | 284 | 336 | 377 |
| Tax rate | 11.7% | 19.5% | 20.2% | 18.6% | 19.8% | 20.6% | 18.3% | 20.8% |
| Net profit | 134 | 201 | 147 | 235 | 266 | 225 | 274 | 299 |
| EPS ($ per share) | 2.56 | — | 2.86 | 4.60 | 5.22 | — | 5.47 | 5.98 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 5,760 | 5,966 | 3,549 | 4,041 | 3,699 | 4,028 | 4,378 | 4,826 |
| Total liabilities | 35,955 | 38,609 | 38,695 | 28,457 | 28,889 | 28,826 | 29,914 | 30,418 |
| Fixed assets | 393 | 434 | 446 | 561 | 645 | 686 | 768 | 842 |
| Investments | 373 | 403 | — | — | — | — | — | — |
| Total assets | 41,089 | 44,291 | 44,650 | 33,921 | 33,117 | 33,635 | 35,021 | 36,290 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 657 | 1,413 | 1,342 | 782 | 597 | 1,138 | 1,333 | 1,834 |
| Cash from investing | -2,202 | -620 | -735 | 158 | -262 | -638 | -658 | -1,458 |
| Cash from financing | 1,838 | -179 | -265 | -1,090 | -818 | -404 | -477 | -364 |
| Net cash flow | 257 | 613 | 362 | -174 | -518 | 91 | 180 | 26 |
| Capital expenditure | -83 | -110 | -121 | -187 | -186 | -202 | -221 | -235 |
| Free cash flow | 574 | 1,303 | 1,221 | 594 | 411 | 936 | 1,111 | 1,598 |
AIZ revenue by segment
| Segment | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|---|---|
| Global Lifestyle | 13% | 267% | 78% | 77% | 77% | 78% | 78% | 77% | +9.5% |
| Global Housing | 1% | 80% | 22% | 23% | 23% | 22% | 23% | 23% | +7.0% |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies → Segment Shift
Insider filings
53 filings between Mar 16, 2026 and Oct 1, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$10.96M
8 sales by 6 insiders
25% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 29
- Award — granted as compensation
- 15
- Tax withheld — shares kept back by the company to cover tax
Also filed: 1 gift.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| MEIER KEITH | — | $6.36M | May 15, 2026 |
| Lonergan Robert | — | $1.84M | Jun 22, 2026 |
| NAIR BIJU | — | $1.19M | Aug 6, 2026 |
| DiRienzo Dimitry | — | $669.6K | May 26, 2026 |
| Rosenblum Jay | — | $503.5K | May 14, 2026 |
| Sengupta Subhashish | — | $400.1K | Mar 20, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Oct 1, 2026 | Campbell Michael P. EVP, Chief Operating Officer | Tax withheld | 147 | $39.1K |
| Oct 1, 2026 | DiRienzo Dimitry SVP, CAO, Controller | Tax withheld | 219 | $58.3K |
| Sep 15, 2026 | Demmings Keith President & CEO | Gift | 3,500 | $0 |
| Aug 6, 2026 | NAIR BIJU EVP, Pres, Global Conn Living | Sale | 3,931 | $1.19M |
| Jun 22, 2026 | Lonergan Robert EVP, CSTO | Sale 10b5-1 plan | 7,000 | $1.84M |
| May 26, 2026 | DiRienzo Dimitry SVP, CAO, Controller | Sale | 2,000 | $511.4K |
| May 22, 2026 | Carter J Braxton II Director | Award | 668 | $0 |
| May 22, 2026 | Basu Rajiv Director | Award | 668 | $0 |
| May 22, 2026 | Reilly Paul J Director | Award | 668 | $0 |
| May 22, 2026 | WARREN KEVIN M Director | Award | 668 | $0 |
| May 22, 2026 | Granat Sari Beth Director | Award | 668 | $0 |
| May 22, 2026 | Blake Lynn S. Director | Award | 668 | $0 |
| May 22, 2026 | ROSEN ELAINE Director | Award | 668 | $0 |
| May 22, 2026 | EDELMAN HARRIET Director | Award | 668 | $0 |
| May 22, 2026 | Redzic Ognjen Director | Award | 668 | $0 |
| May 15, 2026 | MEIER KEITH EVP, Chief Financial Officer | Sale 10b5-1 plan | 25,000 | $6.36M |
| May 14, 2026 | Rosenblum Jay EVP, Chief Legal Officer | Sale | 2,000 | $503.5K |
| Apr 1, 2026 | Lumsden Ryan EVP, Pres, Global Housing | Tax withheld | 557 | $120.5K |
| Apr 1, 2026 | NAIR BIJU EVP, Pres, Global Conn Living | Tax withheld | 1,108 | $239.7K |
| Apr 1, 2026 | Sengupta Subhashish EVP, Chief People Officer | Tax withheld | 149 | $32.2K |
| Mar 20, 2026 | Sengupta Subhashish EVP, Chief People Officer | Sale | 1,880 | $395.8K |
| Mar 20, 2026 | DiRienzo Dimitry SVP, CAO, Controller | Sale | 750 | $158.2K |
| Mar 19, 2026 | Sengupta Subhashish EVP, Chief People Officer | Sale | 20 | $4.3K |
| Mar 16, 2026 | Lonergan Robert EVP, CSTO | Award | 13,414 | $0 |
| Mar 16, 2026 | DiRienzo Dimitry SVP, CAO, Controller | Award | 508 | $0 |
| Mar 16, 2026 | DiRienzo Dimitry SVP, CAO, Controller | Tax withheld | 1,395 | $309.9K |
| Mar 16, 2026 | DiRienzo Dimitry SVP, CAO, Controller | Award | 3,387 | $0 |
| Mar 16, 2026 | Demmings Keith President and CEO | Award | 11,254 | $2.50M |
| Mar 16, 2026 | Strickland Jeffrey A. EVP, Pres. Global Automotive | Award | 844 | $0 |
| Mar 16, 2026 | Lonergan Robert EVP, CSTO | Tax withheld | 6,699 | $1.49M |
| Mar 16, 2026 | Strickland Jeffrey A. EVP, Pres. Global Automotive | Tax withheld | 722 | $160.4K |
| Mar 16, 2026 | Strickland Jeffrey A. EVP, Pres. Global Automotive | Award | 1,711 | $0 |
| Mar 16, 2026 | Demmings Keith President and CEO | Tax withheld | 42,338 | $9.41M |
| Mar 16, 2026 | Demmings Keith President and CEO | Award | 83,030 | $0 |
| Mar 16, 2026 | Sengupta Subhashish EVP, Chief People Officer | Tax withheld | 1,239 | $275.2K |
| Mar 16, 2026 | Sengupta Subhashish EVP, Chief People Officer | Award | 2,076 | $0 |
| Mar 16, 2026 | Rosenblum Jay EVP and CLO | Award | 1,349 | $0 |
| Mar 16, 2026 | Rosenblum Jay EVP and CLO | Award | 11,736 | $0 |
| Mar 16, 2026 | NAIR BIJU EVP/Pres. Global Conn. Living | Award | 2,161 | $0 |
| Mar 16, 2026 | NAIR BIJU EVP/Pres. Global Conn. Living | Tax withheld | 7,385 | $1.64M |
| Mar 16, 2026 | Campbell Michael P. EVP, COO | Award | 2,093 | $0 |
| Mar 16, 2026 | Rosenblum Jay EVP and CLO | Tax withheld | 6,196 | $1.38M |
| Mar 16, 2026 | NAIR BIJU EVP/Pres. Global Conn. Living | Award | 14,947 | $0 |
| Mar 16, 2026 | MEIER KEITH EVP, CFO | Award | 3,489 | $0 |
| Mar 16, 2026 | MEIER KEITH EVP, CFO | Tax withheld | 11,717 | $2.60M |
| Mar 16, 2026 | Sengupta Subhashish EVP, Chief People Officer | Award | 844 | $0 |
| Mar 16, 2026 | MEIER KEITH EVP, CFO | Award | 22,355 | $0 |
| Mar 16, 2026 | Lumsden Ryan EVP, Pres. Global Housing | Award | 844 | $0 |
| Mar 16, 2026 | Lumsden Ryan EVP, Pres. Global Housing | Tax withheld | 1,033 | $229.5K |
| Mar 16, 2026 | Lumsden Ryan EVP, Pres. Global Housing | Award | 2,189 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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