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Assurant AIZ Short Duration — Case Reserves

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KG
KGLiability For Unpaid Claims And Claims Adjustment Expense Reported Claims Amount
$269.15M-24.0%

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:LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseReportedClaimsAmount.

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 itemDecember 31, 2025 / Future Policy Benefits and ExpensesDecember 31, 2025 / Unearned PremiumsDecember 31, 2025 / Claims and Benefits Payable / Case ReservesDecember 31, 2025 / Claims and Benefits Payable / Incurred But Not Reported ReservesDecember 31, 2024 / Future Policy Benefits and ExpensesDecember 31, 2024 / Unearned PremiumsDecember 31, 2024 / Claims and Benefits Payable / Case ReservesDecember 31, 2024 / Claims and Benefits Payable / Incurred But Not Reported Reserves
Long Duration Contracts:
Non-core operations (1)$48.4$0.1$0.9$1.0$52.5$1.2$0.9
All other disposed or runoff businesses (2)7.30.1484.21.70.1
Short Duration Contracts:
Global Lifestyle18,910.1148.7579.918,368.4149.0572.7
Global Housing1,944.7151.1987.81,813.6828.71,056.6
Non-core operations (1)7.530.256.55.835.585.9
All other disposed or runoff businesses (2)19.061.783.321.981.7101.9

Item 16. Form 10-K Summary

FAQ

What is Assurant's short duration — case reserves?
Assurant (AIZ) reported short duration — case reserves of $299.8M in Q4 2025.
How has Assurant's short duration — case reserves changed year-over-year?
Assurant's short duration — case reserves decreased by 69.3% year-over-year, from $977.7M to $299.8M.
What does short duration — case reserves mean?
Represents the estimated liability for claims that have been reported to the insurer but not yet settled or paid. This figure reflects the company's best estimate of the ultimate cost to resolve these specific known claims based on current information.

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