Assurant

Financials Multi-line Insurance Atlanta, Georgia Last filing Feb 19, 2026 · FY2025

                    Revenue
                    FY2025
                
$12.8B
                    3y CAGR +7.9%
                    
                    P23
                    
                    +7.9%
                    
                    Net income
                    FY2025
                
$872.7M
                    Net margin +6.8%
                    
                    P9
                    
                    +14.8%
                    
                    Total assets
                    FY2025
                
$36.3B
                    ROA +2.4%
                    
                    P47
                    
                    +3.6%
                    
                    Operating cash flow
                    FY2025
                
$1.8B
                    FCF margin +12.5%
                    
                    P18
                    
                    +37.6%

20 yrs · FY2004–FY2025 2 gaps (2006–2005) 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

18 accounts · 5 years

Total assets $36.3B

Total liabilities $30.4B

Shareholders equity $5.9B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	5.1%	5.2%	4.8%	4.6%	6.0%
Short Term Investments	1.0%	0.8%	0.8%	0.5%	0.7%
Other Current Assets	3.0%	2.8%	2.6%	2.2%	2.0%
Property,Plant and Equipment	2.3%	2.2%	2.0%	1.9%	1.7%
Goodwill	7.3%	7.5%	7.8%	7.9%	7.6%
Intangible Assets	1.4%	1.5%	1.7%	1.9%	2.1%
Other Noncurrent Assets	3.0%	2.8%	2.6%	2.2%	2.0%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Total Current Liabilities	83.8%	85.4%	85.7%	87.2%	83.8%
Total Liabilities	83.8%	85.4%	85.7%	87.2%	83.8%
Equity
Preferred Stock	0.0%	0.0%	0.0%	0.0%	0.0%
Common Stock	0.0%	0.0%	0.0%	0.0%	0.0%
Additional Paid In Capital	4.7%	4.8%	5.0%	4.9%	5.0%
Retained Earnings	13.3%	12.5%	12.0%	11.2%	12.0%
Treasury Stock	0.3%	0.4%	0.4%	0.4%	0.4%
Accumulated Other Comprehensive Income	-1.5%	-2.4%	-2.3%	-3.0%	-0.4%
Total Stockholders Equity	16.2%	14.6%	14.3%	12.8%	16.1%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

14 accounts · 5 years

Revenue $12.8B

Operating income $872.7M

Net income $872.7M

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	35.3%	33.9%	33.1%	30.8%	30.0%
Expenses Depreciation and Amortization	0.7%	0.6%	0.6%	0.5%	0.5%
Expenses Share Based Compensation	0.2%	0.2%	0.2%	0.2%	0.2%
Other Income Expense Operating Income	2.4%	2.2%	1.9%	0.8%	1.8%
Other Income Expense Interest Expense	0.3%	0.3%	0.3%	0.3%	0.3%
Other Income Expense Other Income/expense	-0.2%	-0.2%	-0.2%	-0.5%	0.4%
Other Income Expense Income Before Tax	3.0%	2.6%	2.4%	1.1%	2.3%
Income Tax Income Tax Expense	0.6%	0.5%	0.5%	0.2%	0.5%
net Income net Income	2.4%	2.2%	1.9%	0.8%	4.0%
net Income Comprehensive Income	3.2%	2.0%	2.6%	-1.7%	1.5%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.1%	0.1%	0.2%	0.2%	0.2%
Earnings Per Share Weighted Average Shares Diluted	0.1%	0.1%	0.2%	0.2%	0.2%

Cash Flow Statement

Operating, investing, and financing flows

22 accounts · 5 years

Operating cash flow $1.8B

Investing cash flow $-1.5B

Financing cash flow $-364.2M

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Income	2.4%	2.2%	1.9%	0.8%	4.0%
Operating Activities Depreciation and Amortization	0.7%	0.6%	0.6%	0.5%	0.5%
Operating Activities Stock Based Compensation	0.2%	0.2%	0.2%	0.2%	0.2%
Operating Activities Deferred Income Taxes	0.3%	0.7%	-0.3%	0.2%	0.4%
Operating Activities Changes In Operating Assets and Liabilities	0.0%	0.0%	0.0%	0.0%	0.0%
Operating Activities Other Non Cash Items	-0.1%	0.2%	0.1%	0.1%	0.0%
Operating Activities net Cash From Operating Activities	5.1%	3.8%	3.4%	1.8%	2.3%
Investing Activities Capital Expenditures	0.6%	0.6%	0.6%	0.6%	0.6%
Investing Activities Business Acquisitions	0.1%	0.0%	0.0%	0.2%	0.0%
Investing Activities Purchases of Investments	8.5%	6.5%	6.4%	9.2%	8.9%
Investing Activities Proceeds From Sale of Investments	2.2%	1.6%	0.8%	1.5%	2.9%
Investing Activities Other Investing Activities	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%
Investing Activities net Cash From Investing Activities	-4.0%	-1.9%	-1.9%	-0.8%	0.5%
Financing Activities Proceeds From Debt	0.8%	0.0%	0.5%	0.0%	1.0%
Financing Activities Repayment of Debt	0.5%	0.0%	0.7%	0.2%	1.2%
Financing Activities Repurchase of Common Stock	0.8%	0.9%	0.6%	1.7%	2.5%
Financing Activities Dividends Paid	0.5%	0.4%	0.5%	0.5%	0.5%
Financing Activities Tax Withholding On Stock Based Compensation	0.0%	0.0%	0.0%	0.1%	0.0%
Financing Activities net Cash From Financing Activities	-1.0%	-1.4%	-1.2%	-2.5%	-3.2%
Cash Reconciliation net Change In Cash	0.1%	0.5%	0.3%	-1.6%	-0.5%
Cash Reconciliation Cash At Beginning of Period	5.1%	5.2%	4.8%	4.6%	6.0%
Cash Reconciliation Cash At End of Period	5.1%	5.2%	4.8%	4.6%	6.0%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	+6.8%	+6.4%	+5.8%	+2.7%	+5.9%
Net margin	+6.8%	+6.4%	+5.8%	+2.7%	+13.4%
FCF margin	+12.5%	+9.4%	+8.4%	+4.0%	+5.8%
Growth
Revenue CAGR (3y)	+7.9%	+5.2%	+5.1%	+2.1%	+8.1%
Returns
ROE	+14.9%	+14.9%	+13.4%	+6.5%	+24.9%
ROA	+2.4%	+2.2%	+1.9%	+0.8%	+4.0%
ROIC	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	5.18x	5.86x	5.99x	6.83x	5.20x
Interest coverage	7.96x	7.10x	5.95x	2.55x	5.39x
Efficiency
Asset turnover	0.35x	0.34x	0.33x	0.31x	0.30x
Cash conversion cycle	—	—	—	—	—

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Assurant

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