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: The behind-the-scenes insurer covering your cracked phone screen and homes whose owners let their cover lapse.
Over about 2 years to 2026-07-31. 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.
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.
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 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 growth, and weakest on quality.
- ✓Pays a dividend - about 1.2% a year
- ✓Growing - revenue up about 11% over the year
- ✓Low debt - a sturdier balance sheet
- ✓Strong return on shareholder money (ROE 18%)
- Value screens high (70/100)
- Growth screens high (71/100)
- Momentum screens high (82/100)
- Income screens high (70/100)
- Solid 18% ROE despite a thinner net margin
- 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
What do Assurant's numbers mean?
How much money does Assurant make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Does Assurant pay a dividend?
Yes - Assurant currently pays a dividend of about 1.2% a year (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.
When does Assurant report earnings, and how did recent quarters go?
Assurant is next scheduled to report on about 2026-08-04 - dates can move, and we don't predict results; this just tells you when to look.
Each quarter a company reports its results against what analysts expected. ‘Beating’ or ‘missing’ is about that expectation, not whether the business is doing well in absolute terms.
| 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 →
Reported vs expected earnings per share (EPS) from published results; the expectation is the analyst consensus, not our view. Report dates are estimates that can move.
More in Financial Services
What are the scenarios for Assurant?
An illustrative range for the year ahead, with the assumption behind each case — not a prediction or a price target.
What are the pros and cons of Assurant?
How many points the write-up makes each way — a balance check, not a score or verdict.
- Solid 18% ROE despite a thinner net margin
- Moderate revenue growth (+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 (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
Built from public filings & market prices, checked for an education-only tone, and never a price target. How we make these →