Assurant (AIZ) FY2025 10-K Annual Report
Assurant (AIZ) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 19, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Assurant FY2025 10-K Analysis
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
- • No revenue or profitability figures disclosed in the provided MD&A section
- • 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
- • No cash flow, capital allocation, or forward-looking guidance disclosed in the excerpt
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
Assurant FY2025 Key Financial MetricsXBRL
Revenue
$12.8B
▲ +7.9% YoY
Net Income
$873M
▲ +14.8% YoY
Net Margin
6.8%
▲ +41bp YoY
ROE
14.9%
▼ -2bp YoY
Total Assets
$36.3B
▲ +3.6% YoY
EPS (Diluted)
$16.93
▲ +17.1% YoY
Operating Cash Flow
$1.8B
▲ +37.6% YoY
Source: XBRL data from Assurant FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on Assurant
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.