Assurant, Inc. 5.25% Subordinat · AIZN · FY2026 Q3 · Calendar Q4 2026
Assurant posts record Q3 as Connected Living drives growth
Q3 supports a growth thesis for Assurant: management reported 12% year-over-year adjusted EBITDA and EPS growth and pointed to Connected Living and other segment execution. Its raised full-year outlook is supportive evidence, while competition, pricing sensitivity and loss-cost uncertainty remain counterweights.
Earnings scorecard
Reported versus consensusMarket reaction
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Transcript intelligence
What changed
Assurant reported a record third quarter and its 10th consecutive year of profitable growth, according to management. Connected Living earnings grew 23%, and the company raised its 2026 outlook to approximately 10% adjusted EBITDA growth and low-double-digit EPS growth. Management also reported increasing share repurchases to $350 million.
Guidance delta
Management raised its full-year 2026 outlook: adjusted EBITDA growth of approximately 10% and low-double-digit EPS growth. The supplied analysis does not give a previous numerical guidance baseline for this quarter.
Key takeaways
- Adjusted EBITDA and EPS each grew 12% year over year, per the transcript analysis.
- Connected Living earnings grew 23%; management cited more than 69 million devices protected globally.
- The full-year 2026 outlook was raised to approximately 10% adjusted EBITDA growth and low-double-digit EPS growth.
- Management highlighted AI deployment across claims, supply chain and customer engagement as an efficiency and revenue initiative.
- Share repurchases were increased to $350 million, alongside continued dividends.
Management priorities
- Scale AI solutions across claims, fraud detection and customer service.
- Expand Connected Living programs and existing carrier partnerships.
- Grow automotive relationships with new partners in Mexico and the United Kingdom.
- Onboard additional lender-placed loans beyond Freedom Mortgage.
- Maintain capital discipline while pursuing selective M&A and shareholder returns.
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Try FN2 freeCompany context
Snapshot as of publicationAssurant, Inc. specializes in delivering comprehensive solutions designed to meet consumer lifestyle and housing protection needs. The company structures its operations across three main segments: Global Lifestyle, Global Housing, and Corporate and Other. The Global Lifestyle division is responsible for providing mobile device protection programs, extended service contracts for various consumer electronics and appliances, and vehicle protection services. In its Global Housing segment, Assurant offers a diverse portfolio of insurance products, including lender-placed coverage for homeowners, manufactured housing, and flood risks, as well as renters' insurance. This segment also supplies voluntary insurance options for manufactured and traditional homes, alongside other specialized policies. The Corporate and Other segment primarily manages the corporate employee-related expenses and overarching activities of the holding company. Established in 1892, Assurant's corporate headquarters are situated in Atlanta, Georgia.
Financial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| AIZ Assurant, Inc. | FY2026 Q3 · Calendar Q4 2026 | +29.5% | +4.2% | Assurant raises FY2026 outlook as Lifestyle and Housing earnings grow |
| 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
- AIZFY2026 Q3 · November 3, 2026+29.5% EPS+4.2% 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
- 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
- TRIFY2026 Q3 · November 3, 2026-9.0% EPS-9.9% move
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Sources
- Earnings call transcript and parsed analysis · 2026-11-04T16:06:48.125847+00:00
- FN2 earnings calendar · 2026-11-04T01:23:13.345574+00:00
- Polygon adjusted daily market bars · 2026-11-04T16:10:46.631583+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.
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.