Analyst Consensus ?
ConsensusBuy19 ratings
Bullish1157.9%
Neutral736.8%
Bearish15.3%
Assurant, Inc. · AIZ · FY2024 Q3 · Calendar Q4 2024
Assurant growth broadens as housing and Connected Living strengthen
The supplied analysis supports a constructive but conditional view: diversified growth in Global Housing and Connected Living, plus early Auto stabilization, supports the outlook; catastrophe exposure, GAAP auto claims, foreign exchange and investment spending remain material checks.
Reported After market closeNYSEFinancial Services
$13.97B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$3.00
Consensus $2.52
EPS surprise
+19.0%
Reported versus consensus
Reported revenue
$2.97B
Consensus $2.94B
Revenue surprise
+1.0%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+6.9%
Event window
SPY move
+2.5%
Same window
Abnormal move
+4.4%
Stock minus SPY
Volume
2.5×
Versus trailing sessions
Subsequent drift
+9.2%
Up to 20 sessions
AIZSPY benchmark
Ask FN2 about AIZ FY2024 Q3
Transcript, numbers and history already loaded
Why did AIZ rise 6.9% after beating EPS estimates in FY2024 Q3?What changed in AIZ's guidance and outlook in FY2024 Q3?Give me the bull and bear case for AIZ after FY2024 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Compared with the supplied prior-quarter analysis, the Q3 analysis emphasizes 34% Global Housing earnings growth, early Auto claims-severity stabilization, a new automated device-care center, and continued Connected Living investment. It also identifies 2025 catastrophe pricing and reinsurance as key concerns.
Guidance delta
The supplied analysis says Assurant reaffirmed a full-year outlook of low-double-digit adjusted EBITDA growth and mid-to-high-teens adjusted EPS growth, indicating confidence in the portfolio.
Key takeaways
- Adjusted EBITDA grew 8% year over year and adjusted EPS grew 9%, excluding catastrophes, according to the supplied analysis.
- Global Housing earnings rose 34% year over year, supported by higher placement rates and premium increases.
- Connected Living investments are expected to support stronger revenue and margin in 2025.
- Auto showed early claims-severity stabilization and benefits from rate increases, while GAAP auto losses remained a concern.
- Management highlighted $200 million of year-to-date share repurchases and $636 million of liquidity.
Management priorities
- Scale Global Housing through policy growth and higher placement rates.
- Convert Connected Living investments into 2025 revenue and margin improvement.
- Expand mobile protection partnerships with new carriers and international clients.
- Use automation and AI enhancements at the Nashville device-care center.
- Provide detailed 2025 guidance and reinsurance-program updates in February.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$283.31Current
$205Low
$292.45Average
$355High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 18, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Morgan Stanley | Overweight | Overweight | Maintain | Oct 6, 2026 |
| BMO Capital | Outperform | Outperform | Maintain | Aug 28, 2026 |
| UBS | Buy | Buy | Maintain | Aug 13, 2026 |
| Keefe, Bruyette & Woods | Outperform | Outperform | Maintain | Aug 7, 2026 |
| Truist Securities | Buy | Buy | Maintain | Aug 6, 2026 |
| Piper Sandler | Overweight | Overweight | Maintain | Aug 6, 2026 |
| B of A Securities | Buy | Buy | Maintain | Oct 10, 2024 |
| William Blair | Outperform | Outperform | Maintain | Jul 23, 2021 |
| SunTrust Robinson Humphrey | Buy | Buy | Maintain | May 7, 2020 |
| Keefe Bruyette & Woods | Outperform | Outperform | Maintain | Jul 16, 2018 |
| Bank of America | Neutral | Buy | Downgrade | Oct 20, 2016 |
| Credit Suisse | Neutral | Neutral | Maintain | Oct 7, 2016 |
| PiperJaffray | Neutral | Neutral | Maintain | Oct 21, 2015 |
| Jefferies | Hold | Hold | Maintain | Aug 14, 2015 |
| Macquarie | Neutral | Neutral | Maintain | Jul 29, 2015 |
| Goldman Sachs | Buy | Buy | Maintain | May 15, 2015 |
| Sterne Agee | Neutral | Neutral | Maintain | Jul 17, 2014 |
| JP Morgan | Neutral | Neutral | Maintain | Jul 1, 2014 |
| Bank oferica | Underperform | Underperform | Maintain | May 2, 2012 |
Named analyst price targets
Upside is calculated against the persisted current price $283.31. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| BMO Capital | Charlie Lederer | $320 | $285.88 | +13.0% | Aug 28, 2026 |
| Morgan Stanley | Analyst unavailable | $320 | $280.07 | +13.0% | Aug 19, 2026 |
| UBS | Brian Meredith | $331 | $283.42 | +16.8% | Aug 13, 2026 |
| Piper Sandler | Analyst unavailable | $329 | $295.66 | +16.1% | Aug 6, 2026 |
| Truist Financial | Mark Hughes | $355 | $297.7 | +25.3% | Aug 6, 2026 |
| Morgan Stanley | Analyst unavailable | $300 | $279.48 | +5.9% | Jul 6, 2026 |
| Truist Financial | Analyst unavailable | $310 | $260.55 | +9.4% | Jun 17, 2026 |
| RBC Capital | Analyst unavailable | $310 | $265.08 | +9.4% | Jun 17, 2026 |
| Piper Sandler | Analyst unavailable | $290 | $254.82 | +2.4% | May 26, 2026 |
| Morgan Stanley | Analyst unavailable | $285 | $251.14 | +0.6% | May 14, 2026 |
| UBS | Analyst unavailable | $274 | $240.38 | -3.3% | May 11, 2026 |
| Piper Sandler | Analyst unavailable | $268 | $239.67 | -5.4% | May 11, 2026 |
| BMO Capital | Analyst unavailable | $246 | $218.84 | -13.2% | Feb 12, 2026 |
| Piper Sandler | Analyst unavailable | $264 | $238.03 | -6.8% | Dec 19, 2025 |
| Morgan Stanley | Analyst unavailable | $248 | $227.03 | -12.5% | Nov 17, 2025 |
| Truist Financial | Analyst unavailable | $255 | $207.28 | -10.0% | Oct 29, 2025 |
| Piper Sandler | Analyst unavailable | $248 | $218.45 | -12.5% | Oct 10, 2025 |
| UBS | Analyst unavailable | $255 | $216.29 | -10.0% | Oct 8, 2025 |
| Morgan Stanley | Analyst unavailable | $232 | $218.97 | -18.1% | Oct 7, 2025 |
| BMO Capital | Charlie Lederer | $238 | $209.42 | -16.0% | Aug 12, 2025 |
| Morgan Stanley | Bob Huang | $217 | $203.44 | -23.4% | May 19, 2025 |
| Piper Sandler | John Barnidge | $205 | $179.34 | -27.6% | Apr 5, 2024 |
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Start freeCompany context
Snapshot as of publicationAssurant, Inc. operates globally, delivering essential lifestyle and housing solutions designed to secure, assist, and connect consumer acquisitions across diverse markets including North America, Latin America, Europe, and the Asia Pacific. The company's operations are divided into two main divisions: Global Lifestyle and Global Housing. The Global Lifestyle segment provides comprehensive mobile device support, extended warranty and maintenance programs for mobile devices, consumer electronics, and appliances, as well as vehicle protection plans and associated services, alongside credit…
Historical context
All AIZ earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| IBN ICICI Bank Limited | FY2027 Q2 · Calendar Q4 2026 | — | — | ICICI Bank Q2 FY27: Strong Growth, Temporary Margin Pressure |
| HDB HDFC Bank Limited | FY2027 Q2 · Calendar Q4 2026 | — | — | HDFC Bank: Strong deposits, resilient asset quality, margins under pressure |
| MTB-PH M&T Bank Corporation | FY2026 Q3 · Calendar Q4 2026 | +2.2% | — | M&T Bank: Loan Growth Holds Up as Rates Pressure Margins |
| MTB-PJ M&T Bank Corporation | FY2026 Q3 · Calendar Q4 2026 | +2.2% | — | M&T: Deposit growth supports margins as AI use expands |
| RF-PE Regions Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +10.3% | — | Regions Financial: Fee Growth and Credit Quality Support Q3 |
| RF-PC Regions Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +10.3% | — | Regions Financial: Fee growth supports a steady Q3 outlook |
Latest beats and misses
Who reports nextBeat on EPS
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2024-11-10T18:38:36.707185+00:00
- Polygon adjusted daily market bars · 2026-10-18T18:00:41.702891+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-18T18:00:41.700010+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-18. For educational purposes only; not investment advice.