Assurant (AIZ)
The behind-the-scenes insurer covering your cracked phone screen and homes whose owners let their cover lapse.
Is Assurant a good stock for a UK beginner?
The honest version: There's no rating here and nothing for sale. In its favour: Solid 18% ROE despite a thinner net margin. Worth weighing: Thin net margin (7.6%) relative to many traditional insurers.
Is this normal for this company?
Each figure against the range this same company has produced recently. Neither end of a range is the good end.
Share price divided by the earnings actually reported over the four most recent quarters. The range is the same calculation at each of this company's last few results, so roughly the past year.
Profit as a share of sales, from the company's own quarterly statements. The range covers the 5 quarters we hold, and the figure shown is its most recent one.
How these ranges are built
Every number here is the company's own reported figure, not a comparison with other companies. The ranges come from this company's own results and its share price. Where it reports in a different currency from the one its shares trade in, the price-to-earnings range is left out rather than mixing the two.
What does Assurant do?
Assurant does niche insurance - like the cover a lender places on a mortgaged home when the owner's own policy lapses, plus those phone and gadget protection plans. It usually reaches customers through partnerships with banks and telecom carriers, so it's often bundled into your contract without you noticing. The money profile is a high 18% return on equity: How much profit the company makes for each £1 shareholders have put in. Higher usually means a more efficient business. but a thin 7.6% net margin: How much of each £1 of sales becomes profit after all costs. Higher = more profitable per sale., which is normal for this specialty corner, and revenue grew about 11% over the year. The one thing worth watching -> strong momentum and value scores (M84, V73) sitting against a softer quality score (Q41).
On our factor screen it looks strongest on momentum and value, and weakest on quality.
- ✓Pays a dividend - about 1.2% a year
- ✓Growing - revenue up about 9% over the year
- ✓Low debt - a sturdier balance sheet
- ✓Strong return on shareholder money (ROE 18%)
- Value screens high
- Momentum screens high
- Income screens high
- —
Does Assurant pay a dividend?
Yes - Assurant currently pays a dividend of about 1.2% a year, which is £12 a year for every £1,000 invested (the yearly payout as a share of the price). A dividend is a slice of profit handed to shareholders; the yield moves as the price moves, and a company can cut or stop it. An ISA doesn't shelter the US tax on this one →
What do the numbers say about Assurant's dividend?
There's no rating here, and we don't judge whether the dividend will continue - that would be advice. Here are the figures income investors usually look at, and what each one means, so you can weigh it up yourself.
Figures are from the latest available data and can be distorted by one-off results. Past payments don't predict future ones, and a dividend can be cut at any time. This lays out the numbers to help you understand them - it is not a view on what will happen.
Most recent ex-dividend date: 8 Jun 2026. To receive a dividend you must already own the shares before the ex-dividend date; become a holder on or after it and the previous owner keeps that payment. Why the price usually falls that morning →
What do Assurant's numbers mean?
How has it performed?
Growth of £1,000, the worst fall, and year by year
Over about 2 years to 2026-09-11. This is the share price only - reinvesting the dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
How much has Assurant actually fallen?
Over the last 2 years of daily prices, Assurant fell as much as −21% from a high to a later low. Falls like this are normal when you own a share.
Past falls are not a forecast - it can fall further, or recover.
How has it done year by year?
Calendar-year total return - the share price with dividends reinvested - from adjusted closing prices. The current year is only part-complete. Past returns are not a guide to the future.
A closer look at the numbers
Ownership, earnings history, where the money goes, and the outlook range
Does the share price tell you if it's cheap or expensive?
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
How much money does Assurant make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Where does each £100 of Assurant's sales go?
A rough split of the latest full-year figures: of every £100 of sales, about £87 covers making the product or service, £5 goes on running costs, tax and interest, and about £8 is left as profit. Margins vary a lot by industry, and one-off items can distort a single year.
When does Assurant report earnings, and how did recent quarters go?
Assurant is next scheduled to report on about 2026-11-03 - dates can move, and we don't predict results; this just tells you when to look.
‘Beat’ and ‘missed’ are against what analysts expected, not whether the business is doing well.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-05-05 | $5.33 | $5.95 | Beat +12% |
| 2026-02-10 | $5.50 | $5.61 | Beat +2% |
| 2025-11-04 | $4.28 | $5.73 | Beat +34% |
| 2025-08-05 | $4.45 | $5.10 | Beat +15% |
| 2025-05-06 | $2.78 | $3.39 | Beat +22% |
| 2025-02-11 | $4.13 | $4.79 | Beat +16% |
Across the last 6 quarters here, Assurant came in ahead of what analysts expected 6 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Where these figures come from
Each quarter a company reports its results against a consensus of analyst forecasts. The figures here are reported versus expected earnings per share from published results; the expectation is that analyst consensus, not our view. Report dates are estimates and can move.
What are the scenarios for Assurant?
An illustrative range for the year ahead — not a prediction or a price target.
What are the pros, cons and common questions?
The case each way, and the questions people ask
Device-protection and connected-living services continue expanding as a share of the business.
Structural pressure on margins from claims inflation or loss of key partnerships persists over multiple years.
What are the pros and cons of Assurant?
A balance check, not a score or verdict.
- Solid 18% ROE despite a thinner net margin: How much of each £1 of sales becomes profit after all costs. Higher = more profitable per sale.
- Moderate revenue growth: How fast the company's sales grew versus a year ago. (+11%) versus many mature insurers
- Strong momentum and value factor scores (M84, V73)
- Niche market positions in lender-placed and device-protection insurance
- Thin net margin: How much of each £1 of sales becomes profit after all costs. Higher = more profitable per sale. (7.6%) relative to many traditional insurers
- Weaker quality factor score (Q41) than some peers
- Revenue and earnings depend heavily on a relatively concentrated set of distribution partnerships
- Loss or renegotiation of major lender or telecom-carrier distribution partnerships
- Claims-cost inflation in device-protection or property claims
- Housing-market slowdown reducing lender-placed insurance volumes
- Regulatory scrutiny of lender-placed insurance practices
The write-up's own warning lights — if these start happening, the case above changes.
- Loss of a major distribution partner that materially reduces revenue
- A sustained rise in claims costs that compresses the already-thin net margin further
- A reversal of the current positive momentum alongside deteriorating fundamentals
Common questions about Assurant
Does Assurant pay a dividend?
Yes - Assurant currently pays a dividend of about 1.2% a year. Dividends are a share of profit paid to holders; the yield moves with the price and payouts can be cut.
When does Assurant report earnings next?
Assurant is next scheduled to report results on about 2026-11-03. Report dates are estimates and can move; this is a diary note for when to look, not a forecast of the outcome.
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