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Dec 31, 2025
Assurant Q4 2025 Earnings Report
Assurant reported strong fourth quarter and full year 2025 financial results, delivering its third consecutive year of double-digit earnings and EPS growth.
Key Takeaways
Assurant, Inc. announced strong financial results for the fourth quarter and full year ended December 31, 2025, with GAAP net income increasing 12% and Adjusted EBITDA up 14% compared to the prior year quarter, driven by lower reportable catastrophes and growth in Global Housing and Global Lifestyle.
GAAP net income increased 12% to $225.2 million in Q4 2025, primarily due to lower reportable catastrophes and higher segment earnings in Global Housing.
Adjusted EBITDA increased 14% to $436.5 million in Q4 2025, driven by lower reportable catastrophes and growth in Global Housing.
Adjusted earnings, excluding reportable catastrophes, per diluted share increased 4% to $5.75, benefiting from higher segment earnings and share repurchases.
Net earned premiums, fees and other income from Global Lifestyle and Global Housing segments totaled $3.23 billion, an 8% increase from Q3 2024.
Revenue by Segment
Forward Guidance
For 2026, Assurant expects Adjusted EBITDA, excluding reportable catastrophes, and Adjusted earnings, excluding reportable catastrophes, per diluted share to be consistent with 2025 levels, or increase mid-to-high single digits when excluding prior year reserve development.
Positive Outlook
- Global Lifestyle Adjusted EBITDA is projected to increase high single digits, driven by Connected Living and Global Automotive.
- Solid underlying growth is expected in Global Housing Adjusted EBITDA, excluding prior year reserve development.
- Capital deployment priorities focus on maintaining a strong financial position and supporting business growth.
- Funding organic investments and M&A are key priorities for capital deployment.
- Returning capital to shareholders through common stock dividends and share repurchases is planned, subject to Board approval.
Challenges Ahead
- Global Housing Adjusted EBITDA, excluding reportable catastrophes, is expected to decrease, despite solid underlying growth when excluding prior year reserve development.
- Corporate and Other Adjusted EBITDA loss is projected to approximate $140 million, reflecting organic investments in the Home Warranty business.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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