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Assurant AIZ Property and liability insurance — Direct earned premiums

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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:DirectPremiumsEarned.

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
Year Ended December 31, 2025Direct Amount / (in millions)Ceded to Other Companies / (in millions)Assumed from Other Companies / (in millions)Net Amount / (in millions)Percentage of Amount Assumed to Net
Premiums:
Life insurance$195.6$160.1$35.5
Accident and health insurance341.0230.42.3112.92.0%
Property and liability insurance18,855.58,926.9405.910,334.53.9%
Total earned premiums$19,392.1$9,317.4$408.2$10,482.93.9%
Benefits:
Life insurance$34.4$24.2$10.2
Accident and health insurance52.942.00.211.11.8%

Item 16. Form 10-K Summary

FAQ

What is Assurant's property and liability insurance — direct earned premiums?
Assurant (AIZ) reported property and liability insurance — direct earned premiums of $4.71B in Q4 2025.
How has Assurant's property and liability insurance — direct earned premiums changed year-over-year?
Assurant's property and liability insurance — direct earned premiums increased by 3.1% year-over-year, from $4.57B to $4.71B.
What is the long-term trend for Assurant's property and liability insurance — direct earned premiums?
Over 4 years (2021 to 2025), Assurant's property and liability insurance — direct earned premiums has grown at a 5.6% compound annual growth rate (CAGR), from $15.17B to $18.86B.
What does property and liability insurance — direct earned premiums mean?
Represents the total premiums earned by the insurance segment from policies directly underwritten before the impact of reinsurance. This metric reflects the gross volume of business generated by the segment's core insurance operations.

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