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Assurant AIZ Long Duration — Premiums Earned, Net

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Other financials

Income statement

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Revenue$3.5B+9.4%
Net income$298.6M+26.9%
EPS (diluted)$5.95+30.5%

Balance sheet

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Cash & equivalents$1.7B+14.3%
Total debt$73.9M+18.4%
Total equity$6.1B+10.9%
Total assets$36.1B+1.6%

Cash flow

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Operating cash flow$454.4M+71.1%
CapEx$45.2M-24.5%
Free cash flow$409.2M+99.0%

Valuation

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Market cap$14.94B+40.3%
P/E14.1×-0.8×
P/S1.1×+0.2×

Profitability

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Net margin7.9%+2.1pp
FCF margin12.3%+4.4pp

Returns & leverage

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Return on equity18.3%+4.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Assurant in its filing.

Tagged under the XBRL concept us-gaap:PremiumsEarnedNet.

The source filing: Assurant’s 10-K, filed February 19, 2026.

Filed
Feb 19, 2026, 4:19 PM EST
Fiscal year
FY2025
Accession
0001267238-26-000010
Line itemYears Ended December 31, 2025 / Long DurationYears Ended December 31, 2025 / Short DurationYears Ended December 31, 2025 / TotalYears Ended December 31, 2024 / Long DurationYears Ended December 31, 2024 / Short DurationYears Ended December 31, 2024 / TotalYears Ended December 31, 2023 / Long DurationYears Ended December 31, 2023 / Short DurationYears Ended December 31, 2023 / Total
Direct earned premiums$12.4$19,379.7$19,392.1$13.4$18,820.1$18,833.5$14.4$18,308.4$18,322.8
Premiums assumed408.2408.2178.6178.6186.4186.4
Premiums ceded(7.6)(9,309.8)(9,317.4)(8.0)(9,208.3)(9,216.3)(7.9)(9,113.3)(9,121.2)
Net earned premiums$4.8$10,478.1$10,482.9$5.4$9,790.4$9,795.8$6.5$9,381.5$9,388.0
Direct policyholder benefits$37.2$7,975.4$8,012.6$33.7$8,777.1$8,810.8$36.5$7,568.2$7,604.7
Policyholder benefits assumed242.8242.80.1276.9277.0241.9241.9
Policyholder benefits ceded(33.7)(5,293.9)(5,327.6)(30.3)(6,291.0)(6,321.3)(31.8)(5,293.0)(5,324.8)
Net policyholder benefits$3.5$2,924.3$2,927.8$3.5$2,763.0$2,766.5$4.7$2,517.1$2,521.8

Item 16. Form 10-K Summary

FAQ

What is Assurant's long duration — premiums earned, net?
Assurant (AIZ) reported long duration — premiums earned, net of $1.2M in Q4 2025.
How has Assurant's long duration — premiums earned, net changed year-over-year?
Assurant's long duration — premiums earned, net decreased by 11.1% year-over-year, from $1.35M to $1.2M.
What is the long-term trend for Assurant's long duration — premiums earned, net?
Over 4 years (2021 to 2025), Assurant's long duration — premiums earned, net has grown at a -12.3% compound annual growth rate (CAGR), from $8.1M to $4.8M.
What does long duration — premiums earned, net mean?
Calculated as direct earned premiums plus assumed premiums minus ceded premiums. This represents the actual premium revenue retained by the company after accounting for all reinsurance activity.

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