Analyst Consensus ?
ConsensusBuy19 ratings
Bullish1157.9%
Neutral736.8%
Bearish15.3%
Assurant, Inc. · AIZ · FY2024 Q4 · Calendar Q1 2025
Assurant: Strong 2024, but 2025 outlook stays measured
Assurant entered 2025 with strong 2024 profitability and operating momentum, but the supplied analysis supports a measured rather than unequivocally bullish view: growth initiatives and partnerships are constructive, while maintained guidance and identifiable insurance, FX, tariff, and investment risks limit confidence.
Reported After market closeNYSEFinancial Services
$13.97B market cap
80quality score
Earnings scorecard
Reported versus consensus
Reported EPS
—
Consensus $3.51
EPS surprise
—
Reported versus consensus
Reported revenue
—
Consensus $3.08B
Revenue surprise
—
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
-2.6%
Event window
SPY move
-0.3%
Same window
Abnormal move
-2.2%
Stock minus SPY
Volume
1.4×
Versus trailing sessions
Subsequent drift
-1.6%
Up to 20 sessions
AIZSPY benchmark
Ask FN2 about AIZ FY2024 Q4
Transcript, numbers and history already loaded
What drove AIZ's -2.6% move after FY2024 Q4 earnings?What changed in AIZ's guidance and outlook in FY2024 Q4?Give me the bull and bear case for AIZ after FY2024 Q4 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The current analysis shifts the emphasis from the prior quarter’s raised guidance and confident growth framing to a maintained outlook. New emphasis includes T-Mobile Protection 360 HomeTech, major carrier renewals, a 2025 reinsurance program, and continued AI and automation investment.
Guidance delta
Maintained; management described a modestly positive 2025 outlook while noting FX and investment constraints.
Key takeaways
- Management highlighted 15% adjusted EBITDA growth and EPS above $20 for 2024.
- Global Housing and Connected Living were the main reported growth pillars.
- Carrier renewals, T-Mobile HomeTech, and automation support the operating plan.
- FX, catastrophe exposure, tariffs, and auto claims costs temper the outlook.
Management priorities
- Scale Connected Living partnerships and products.
- Invest $20-$30 million in client programs and technology in 2025.
- Activate the April 1 catastrophe reinsurance program.
- Continue capital returns and expand automation across device care and claims.
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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 17, 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 |
|---|---|---|---|---|
| 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 |
| TFC-PI Truist Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | -50.9% | — | Truist sharpens focus as Q3 EPS rises 12% |
| TRV The Travelers Companies, Inc. | FY2026 Q3 · Calendar Q4 2026 | +24.2% | +1.5% | Travelers posts strong Q3, with investment income above $900 million |
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 · 2025-01-28T00:00:20.742579+00:00
- Polygon adjusted daily market bars · 2026-10-17T07:10:42.698276+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-17T07:10:42.695462+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 2026-10-17. For educational purposes only; not investment advice.