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Assurant AIZ Short Duration — Unearned 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:UnearnedPremiums.

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

| --- | --- | --- | | Assets | | | | Total assets | $36,289.6 | $35,020.6 | | Liabilities | | | | Future policy benefits and expenses | $55.7 | $536.7 | | Unearned premiums | 20,881.4 | 20,211.4 | | Claims and benefits payable | 2,101.2 | 2,914.2 | | Commissions payable | 640.6 | 559.6 | | Funds held under reinsurance | 266.4 | 277.7 | | Accounts payable and other liabilities (including allowances for credit losses of $0.9 and $1.4 at December 31, 2025 and 2024) | 3,766.3 | 3,331.2 |

Item 16. Form 10-K Summary

FAQ

What is Assurant's short duration — unearned premiums?
Assurant (AIZ) reported short duration — unearned premiums of $20.85B in Q4 2025.
How has Assurant's short duration — unearned premiums changed year-over-year?
Assurant's short duration — unearned premiums increased by 3.3% year-over-year, from $20.18B to $20.85B.
What does short duration — unearned premiums mean?
This represents the portion of premiums collected that relates to the unexpired period of insurance coverage. Because the company has not yet provided the full service for these premiums, they are recorded as a liability until the coverage period ends. This metric provides insight into the company's future revenue pipeline and the volume of active policies.

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