Short answer
Assurant (AIZ) filed its fiscal 2025 10-K annual report with the SEC on Feb 19, 2026. It reported revenue of $12.8B (+7.9% year over year) and net income of $873M.
- Top risk flagged: Foreign exchange risk with net assets $1.12B (19.1% of total net assets) exposed to USD fluctuations, affecting fair value by ±$122.4M on ±10% USD change
FY2025 key financial metrics · XBRL
- Revenue
- $12.8B
- +7.9% YoY
- Net income
- $873M
- +14.8% YoY
- EPS (diluted)
- $16.93
- +17.1% YoY
- ROE
- 14.9%
- −0.0 pp YoY
- Operating cash flow
- $1.8B
- +37.6% YoY
Source: XBRL data from the Assurant (AIZ) FY2025 10-K on SEC EDGAR. USD.
Assurant FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: Insurance and risk management services integrating cybersecurity controls
- Emphasis on enhanced cybersecurity governance with quarterly Information Security Board oversight
- Cybersecurity risk management strengthened via ISO 27001 and NIST frameworks, annual employee training, phishing exercises
- Third-party cybersecurity assessments and threat intelligence collaborations expanded
- No material cybersecurity incidents reported, with ongoing focus on incident response and vendor risk management
Management Discussion & Analysis
- Sensitivity to 50 bp interest rate increase: debt fair value loss $52.2M in 2025 vs $48.4M in 2024
- Sensitivity to 100 bp interest rate increase: debt fair value loss $102.7M in 2025 vs $95.3M in 2024
- Foreign exchange risk managed by currency matching of liabilities and assets
Risk Factors
- Foreign exchange risk with net assets $1.12B (19.1% of total net assets) exposed to USD fluctuations, affecting fair value by ±$122.4M on ±10% USD change
- Credit risk from counterparty default on fixed maturity securities mitigated by issuer diversification and portfolio limits based on credit quality
- Model risk in pricing, catastrophe risk, reserving, and capital management from potential material divergences between actual results and analytical models
Generated from the filing text; verify against the original. How to read a 10-K
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