Demand and volumepositive · 3 filings
“Cost of sales increased $151.4 million, or 36%, mainly driven by higher volumes in domestic supply chain programs.”10-Q · Aug 6, 2026 ↗
Assurant, Inc.
AIZ
Market read
Assurant, Inc.'s current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 3 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Company+0.6% todayVolume comparison unavailable
Market group0 of 3 activeDefensive Stocks · unavailable
Disclosed network0 of 1 confirmingNo filing-linked name is confirming now
What would change this read
Watch this read- Higher volumes in domestic mobile trade-in programs materially increased fees and cost of sales within Connected Living.
Invalidation: The isolated read changes if AIZ's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 3 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Evidence that supports
No thresholded supportive filing evidence is available yet.
Evidence that challenges
No thresholded adverse filing evidence is available yet.
What would clarify the read
- Higher volumes in domestic mobile trade-in programs materially increased fees and cost of sales within Connected Living.
Company research
Understand the business, not just the ticker
Business model and earnings drivers
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
Key research questions
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
Annual periods9
Price observations602
Usable filing statements231
Verified relationships1
Evidence supporting the case
- Latest annual revenue changed +7.9% year over year.
- Operating cash flow covered net income at 2.10x in the latest annual period.
- Demand and volume has repeated favorable evidence across 3 filings.
- Macroeconomic conditions has repeated favorable evidence across 3 filings.
Evidence challenging the case
- Foreign exchange has repeated adverse evidence across 3 filings.
- Restructuring and cost reductions has repeated adverse evidence across 3 filings.
Questions before a position
- P/E is 25% above the available filing-peer median; determine whether growth and quality justify the difference.
- EV/sales is 54% below the available filing-peer median; determine whether growth and quality justify the difference.
Longer-term price context
Price as of Sep 11, 2026
282.456m+31.2%12m+34.9%24m+46.7%
Annual trajectory
Reported annual revenue and per-share history. This is accounting history, not a forecast.
PeriodRevenueYoYDiluted EPSShare change
2021-12-31$10.2B+6.1%$22.66-4.8%
2022-12-31$10.2B+0.1%$5.05-8.9%
2023-12-31$11.1B+9.2%$11.95-2.9%
2024-12-31$11.9B+6.7%$14.46-2.2%
2025-12-31$12.8B+7.9%$16.93-1.9%
What management says matters
Persistent and emerging business drivers
Foreign exchangenegative · 3 filings
“Net earned premiums increased $386.8 million, or 5%, primarily driven by growth in Connected Living from global mobile subscriber growth and higher contributions from financial services from a new program, partially offset by a decline in domestic extended se…”10-K · Feb 19, 2026 ↗
Macroeconomic conditionspositive · 3 filings
“For the year ended December 31, 2025, the net favorable development for Global Housing was attributable to non-catastrophe claim experience for lender-placed homeowners insurance, as claim experience developed favorably due to easing inflation and favorable f…”10-K · Feb 19, 2026 ↗
Restructuring and cost reductionsmixed · 3 filings
“5 and 2024, as a result of a qualitative analysis indicating an impairment existed, the Company performed a quantitative analysis utilizing a probability weighted scenario model and determined certain investments were impaired.”10-K · Feb 19, 2026 ↗
Valuation discipline
Descriptive valuation snapshot
Price/sales 1.1× · EV/sales 1.0×. Comparisons use only industry-matched filing peers.
Scenario scaffold
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
How the market is pricing the story
282.45+0.6% today
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 11 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for AIZ. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for AIZ. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind AIZ
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depends on
JPMJPMorgan Chase & Co.lenderMay 7, 2026 ▾
“Credit Facility and Commercial Paper Program We have a $500.0 million five-year senior unsecured revolving credit facility (the “Credit Facility”) with certain lenders party thereto, JPMorgan Chase Bank, N.A., as administrative agent, and Wells Fargo Bank, Na…”
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks 2 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
AIZ is currently a Early Follower in the organic co-movement group Defensive Stocks. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 1 filing-linked name are in the relationship map; none is currently confirmed as moving with the group.
This group is retained as the last observed read for AIZ; it is not active in the latest market snapshot.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.