Analyst Consensus ?
ConsensusBuy19 ratings
Bullish1157.9%
Neutral736.8%
Bearish15.3%
Assurant, Inc. · AIZ · FY2026 Q3 · Calendar Q4 2026
Assurant raises FY2026 outlook as Lifestyle and Housing earnings grow
The quarter supports a constructive operating picture: growth across Lifestyle and Housing, technology and AI efficiencies, and embedded partnerships accompanied a higher FY2026 outlook. Sustaining momentum depends on partnership contributions, pricing and loss-cost trends, and execution on AI.
Reported After market closeNYSEFinancial Services
$14.61B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$6.15
Consensus $4.75
EPS surprise
+29.5%
Reported versus consensus
Reported revenue
$3.53B
Consensus $3.48B
Revenue surprise
+1.5%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+4.2%
Event window
SPY move
+1.4%
Same window
Abnormal move
+2.8%
Stock minus SPY
Volume
0.4×
Versus trailing sessions
Subsequent drift
0.0%
Up to 20 sessions
AIZSPY benchmark
Ask FN2 about AIZ FY2026 Q3
Transcript, numbers and history already loaded
Why did AIZ rise 4.2% after beating EPS estimates in FY2026 Q3?What changed in AIZ's guidance and outlook in FY2026 Q3?Give me the bull and bear case for AIZ after FY2026 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Management reported 12% year-over-year growth in adjusted EBITDA and EPS, excluding catastrophes. Connected Living adjusted EBITDA grew 23% year over year, supported by 69 million protected devices and expansion in reverse logistics. The company also described new partnerships in Mexico and the UK.
Guidance delta
Management raised its full-year outlook to approximately 10% adjusted EBITDA growth and low-double-digit EPS growth, and increased share-repurchase guidance.
Key takeaways
- Lifestyle was the leading growth engine, with double-digit segment growth and continued expansion in Connected Living.
- Housing benefited from lender-placed insurance, while the segment’s reported combined ratio was approximately 83%.
- Management said AI initiatives are contributing efficiency gains and revenue opportunities across segments.
- The higher full-year outlook and share-repurchase guidance signal management’s confidence, but do not by themselves establish the durability of growth.
Management priorities
- Scale AI across claims, fraud detection, and customer service while addressing governance.
- Expand Connected Living programs and deepen mobile-carrier relationships.
- Grow auto OEM, dealer, and lender-placed insurance partnerships, including the announced Mexico and UK relationships.
- Pursue selective M&A and incremental capital returns.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$310.51Current
$205Low
$292.45Average
$355High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Nov 4, 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 $310.52. 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 | +3.1% | Aug 28, 2026 |
| Morgan Stanley | Analyst unavailable | $320 | $280.07 | +3.1% | Aug 19, 2026 |
| UBS | Brian Meredith | $331 | $283.42 | +6.6% | Aug 13, 2026 |
| Piper Sandler | Analyst unavailable | $329 | $295.66 | +6.0% | Aug 6, 2026 |
| Truist Financial | Mark Hughes | $355 | $297.7 | +14.3% | Aug 6, 2026 |
| Morgan Stanley | Analyst unavailable | $300 | $279.48 | -3.4% | Jul 6, 2026 |
| Truist Financial | Analyst unavailable | $310 | $260.55 | -0.2% | Jun 17, 2026 |
| RBC Capital | Analyst unavailable | $310 | $265.08 | -0.2% | Jun 17, 2026 |
| Piper Sandler | Analyst unavailable | $290 | $254.82 | -6.6% | May 26, 2026 |
| Morgan Stanley | Analyst unavailable | $285 | $251.14 | -8.2% | May 14, 2026 |
| UBS | Analyst unavailable | $274 | $240.38 | -11.8% | May 11, 2026 |
| Piper Sandler | Analyst unavailable | $268 | $239.67 | -13.7% | May 11, 2026 |
| BMO Capital | Analyst unavailable | $246 | $218.84 | -20.8% | Feb 12, 2026 |
| Piper Sandler | Analyst unavailable | $264 | $238.03 | -15.0% | Dec 19, 2025 |
| Morgan Stanley | Analyst unavailable | $248 | $227.03 | -20.1% | Nov 17, 2025 |
| Truist Financial | Analyst unavailable | $255 | $207.28 | -17.9% | Oct 29, 2025 |
| Piper Sandler | Analyst unavailable | $248 | $218.45 | -20.1% | Oct 10, 2025 |
| UBS | Analyst unavailable | $255 | $216.29 | -17.9% | Oct 8, 2025 |
| Morgan Stanley | Analyst unavailable | $232 | $218.97 | -25.3% | Oct 7, 2025 |
| BMO Capital | Charlie Lederer | $238 | $209.42 | -23.4% | Aug 12, 2025 |
| Morgan Stanley | Bob Huang | $217 | $203.44 | -30.1% | May 19, 2025 |
| Piper Sandler | John Barnidge | $205 | $179.34 | -34.0% | 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 |
|---|---|---|---|---|
| AIZN Assurant, Inc. 5.25% Subordinat | FY2026 Q3 · Calendar Q4 2026 | +36.0% | +0.5% | Assurant posts record Q3 as Connected Living drives growth |
| PGR The Progressive Corporation | FY2026 Q3 · Calendar Q4 2026 | — | -0.3% | Progressive’s Q3 growth is broad, while acquisition efficiency remains in focus |
| APOS Apollo Global Management, Inc. | FY2026 Q3 · Calendar Q4 2026 | -5.5% | -0.5% | Apollo posts record Q3 fee earnings as investment shifts widen |
| APO Apollo Global Management, Inc. | FY2026 Q3 · Calendar Q4 2026 | -5.5% | -4.9% | Apollo Posts Record Q3 Earnings, Reaffirms 2027 Growth Targets |
| EQH Equitable Holdings, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +1.8% | EQH reports Q3 EPS growth and strong retirement inflows as merger work advances |
| PS Pershing Square Inc. | FY2026 Q3 · Calendar Q4 2026 | -1.5% | +0.1% | Pershing Square emphasizes insurance buildout and new fund plans |
Latest beats and misses
Who reports nextBeat on EPS
- AIZNFY2026 Q3 · November 3, 2026+36.0% EPS+0.5% move
- SMCIFY2027 Q1 · November 3, 2026+47.2% EPS-4.2% move
- XYZFY2026 Q3 · November 3, 2026+9.7% EPS+14.9% move
- AMGNFY2026 Q3 · November 3, 2026+11.4% EPS+1.6% move
- SWKSFY2026 Q4 · November 3, 2026+0.8% EPS-6.9% move
- ANETFY2026 Q3 · November 3, 2026+11.1% EPS+9.9% move
Missed on EPS
- TXFY2026 Q3 · November 3, 2026-24.9% EPS-0.0% move
- CHTFY2026 Q3 · November 4, 2026-55.7% EPS+0.9% move
- TOSTFY2026 Q3 · November 3, 2026-20.1% EPS+5.9% move
- CPNGFY2026 Q3 · November 3, 2026-90.3% EPS+13.3% move
- TLNFY2026 Q3 · November 3, 2026-65.4% EPS+7.3% move
- APOSFY2026 Q3 · November 3, 2026-5.5% EPS-0.5% 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 · 2026-11-04T16:06:13.277436+00:00
- FN2 earnings calendar · 2026-11-04T01:23:13.345574+00:00
- Polygon adjusted daily market bars · 2026-11-04T16:20:45.803064+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-11-04T16:20:45.800342+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 2026-11-04. For educational purposes only; not investment advice.