Analyst Consensus ?
ConsensusBuy19 ratings
Bullish1157.9%
Neutral736.8%
Bearish15.3%
Assurant, Inc. · AIZ · FY2025 Q2 · Calendar Q3 2025
Assurant raises outlook as Housing and Connected Living drive growth
The current-quarter analysis supports a constructive operating thesis: double-digit growth, stronger Housing results, subscriber additions and technology investments were accompanied by raised guidance. The main test is whether benefit-ratio trends, investment income and possible pull-forward effects remain manageable.
Reported After market closeNYSEFinancial Services
$13.25B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$5.56
Consensus $4.43
EPS surprise
+25.5%
Reported versus consensus
Reported revenue
$3.16B
Consensus $3.17B
Revenue surprise
-0.2%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+11.2%
Event window
SPY move
+0.8%
Same window
Abnormal move
+10.5%
Stock minus SPY
Volume
3.0×
Versus trailing sessions
Subsequent drift
+3.1%
Up to 20 sessions
AIZSPY benchmark
Ask FN2 about AIZ FY2025 Q2
Transcript, numbers and history already loaded
Why did AIZ rise 11.2% after beating EPS estimates in FY2025 Q2?What changed in AIZ's guidance and outlook in FY2025 Q2?Give me the bull and bear case for AIZ after FY2025 Q2 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Compared with the prior-quarter analysis, management's tone remained confident but the guidance stance improved from maintained to raised. The current analysis adds acquisitions in Japan and Brazil, generative-AI deployment in Housing, stronger Housing EBITDA growth and a larger share-repurchase program.
Guidance delta
Management raised full-year EPS growth guidance to approximately 10% and indicated mid-to-high single-digit EBITDA growth.
Key takeaways
- Adjusted EBITDA grew 13% year over year and EPS grew 17% year over year.
- Global Housing EBITDA increased 25%, while Connected Living added 2.4 million protected devices.
- Acquisitions in Japan and Brazil and AI investments broadened capabilities and supported efficiency.
Management priorities
- Launch products and services in Connected Living and Housing during the second half of 2025.
- Invest approximately $10 million in second-half strategic initiatives, including AI and robotics.
- Expand U-Solutions and Gestauto while pursuing additional client programs and partnerships.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$267.32Current
$205Low
$292.45Average
$355High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 3, 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 |
|---|---|---|---|---|
| BMO Capital | Outperform | Outperform | Maintain | Aug 28, 2026 |
| Morgan Stanley | Overweight | Overweight | Maintain | Aug 19, 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 $267.32. 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 | +19.7% | Aug 28, 2026 |
| Morgan Stanley | Analyst unavailable | $320 | $280.07 | +19.7% | Aug 19, 2026 |
| UBS | Brian Meredith | $331 | $283.42 | +23.8% | Aug 13, 2026 |
| Piper Sandler | Analyst unavailable | $329 | $295.66 | +23.1% | Aug 6, 2026 |
| Truist Financial | Mark Hughes | $355 | $297.7 | +32.8% | Aug 6, 2026 |
| Morgan Stanley | Analyst unavailable | $300 | $279.48 | +12.2% | Jul 6, 2026 |
| Truist Financial | Analyst unavailable | $310 | $260.55 | +16.0% | Jun 17, 2026 |
| RBC Capital | Analyst unavailable | $310 | $265.08 | +16.0% | Jun 17, 2026 |
| Piper Sandler | Analyst unavailable | $290 | $254.82 | +8.5% | May 26, 2026 |
| Morgan Stanley | Analyst unavailable | $285 | $251.14 | +6.6% | May 14, 2026 |
| UBS | Analyst unavailable | $274 | $240.38 | +2.5% | May 11, 2026 |
| Piper Sandler | Analyst unavailable | $268 | $239.67 | +0.3% | May 11, 2026 |
| BMO Capital | Analyst unavailable | $246 | $218.84 | -8.0% | Feb 12, 2026 |
| Piper Sandler | Analyst unavailable | $264 | $238.03 | -1.2% | Dec 19, 2025 |
| Morgan Stanley | Analyst unavailable | $248 | $227.03 | -7.2% | Nov 17, 2025 |
| Truist Financial | Analyst unavailable | $255 | $207.28 | -4.6% | Oct 29, 2025 |
| Piper Sandler | Analyst unavailable | $248 | $218.45 | -7.2% | Oct 10, 2025 |
| UBS | Analyst unavailable | $255 | $216.29 | -4.6% | Oct 8, 2025 |
| Morgan Stanley | Analyst unavailable | $232 | $218.97 | -13.2% | Oct 7, 2025 |
| BMO Capital | Charlie Lederer | $238 | $209.42 | -11.0% | Aug 12, 2025 |
| Morgan Stanley | Bob Huang | $217 | $203.44 | -18.8% | May 19, 2025 |
| Piper Sandler | John Barnidge | $205 | $179.34 | -23.3% | 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 |
|---|---|---|---|---|
| FDS FactSet Research Systems Inc. | FY2026 Q4 · Calendar Q3 2026 | +3.9% | +3.8% | FactSet reports record FY26 results as AI and MCP adoption accelerate |
| PUK Prudential plc | FY2026 Q2 · Calendar Q3 2026 | -40.9% | -0.5% | Prudential sustains growth and capital returns focus in H1 2026 |
| CM Canadian Imperial Bank of Commerce | FY2026 Q3 · Calendar Q3 2026 | +8.9% | -2.8% | CIBC Q3: Broad growth, resilient credit and expanded AI rollout |
| TD The Toronto-Dominion Bank | FY2026 Q3 · Calendar Q3 2026 | +13.8% | +1.4% | TD emphasizes growth investments alongside disciplined capital management |
| RY Royal Bank of Canada | FY2026 Q3 · Calendar Q3 2026 | +6.2% | -1.3% | RBC reports record Q3 earnings while investing for growth |
| AFRM Affirm Holdings, Inc. | FY2026 Q4 · Calendar Q3 2026 | +1230.3% | +0.3% | Affirm's most profitable quarter shifts focus to product execution |
Latest beats and misses
Who reports nextBeat on EPS
- ACNFY2026 Q4 · October 1, 2026+3.5% EPS+15.8% move
- MKCFY2026 Q3 · October 1, 2026+13.9% EPS-4.9% move
- NKEFY2027 Q1 · October 1, 2026+10.0% EPS-0.7% move
- CAGFY2027 Q1 · September 30, 2026+44.4% EPS-4.9% move
- FDSFY2026 Q4 · September 30, 2026+3.9% EPS+3.8% move
- JBLFY2026 Q4 · September 30, 2026+8.1% EPS-10.0% move
Get the AIZ recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:36:15.940040+00:00
- Polygon adjusted daily market bars · 2026-10-03T07:06:07.382540+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-03T07:06:07.379181+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 2026-10-03. For educational purposes only; not investment advice.