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ASSURANT INC logo
no logo available
General Information
Investor relations pageIR page no data available
Founding year no data available
Headquarter New York, United States of AmericaNew York, United States of Americano data available
Employees 14,700 (as per FY 2016)no data available
Sector Insurance, Financial ServicesInsurance, Financial Servicesno data available
Ticker AIZno data available
Financial year endsFY ends End of Decemberno data available
Stock Information (historical prices adjusted for splits and dividends)
Adj. Closing prices (in USD) -Common sharesNov. 16Jan. 17März 17Mai 17Juli 17Sep. 17708090100110
datesClosing price (adj.)
13.10.201795.71
11.10.201795.32
04.10.201795.29
27.09.201795.65
20.09.201793.28
13.09.201793.77
06.09.201791.07
30.08.201794.78
23.08.201799.52
16.08.2017102.06
09.08.2017104.46
02.08.2017103.28
26.07.2017104.58
19.07.2017105.35
12.07.2017103.90
05.07.2017103.99
27.06.2017103.08
20.06.2017103.42
13.06.2017101.18
06.06.201798.46
30.05.201798.02
23.05.201798.44
16.05.2017100.89
09.05.2017103.32
02.05.201797.10
25.04.201795.88
18.04.201792.61
11.04.201794.20
04.04.201793.95
28.03.201794.49
21.03.201794.44
14.03.201798.44
07.03.201798.55
28.02.201797.95
21.02.201796.48
14.02.201793.74
07.02.201795.46
31.01.201795.59
24.01.201795.21
17.01.201793.21
10.01.201792.71
03.01.201792.63
27.12.201692.25
19.12.201690.94
12.12.201690.68
05.12.201685.29
28.11.201684.54
21.11.201683.86
14.11.201684.13
07.11.201678.23
31.10.201678.76
24.10.201681.08
17.10.201689.26
no share price data source found
Share price data requested
Key Figures
Last Closing Price
as per Oct 13, 2017, in USD
95.71n/a
Market Capitalisation
in million USD
5,354n/a
Enterprise Value
in million USD
5,390n/a
Common Shares Outstanding
as per Dec 31, 2016
55,941,480n/a
Preferred Shares Outstanding
as per Dec 31, 2016
5,000n/a
Average Basic Shares Outstanding
TTM
61,261,288n/a
Average Diluted Shares Outstanding
TTM
61,934,774n/a
Index Membership
n/a
Business Summary
Assurant Inc is a provider of specialized insurance products and related services in North America and selected other international markets.
no data available
Key Financials & Ratios (all figures TTM as per Dec 31, 2016, million USD, full statements further below)
Profit & Loss
Revenues 7,532n/a
Gross Profit 0n/a
Operating Income 2,281n/a
EBITDA 2,406n/a
Net Profit 565n/a
Balance Sheet
Cash and Cash Equivalents 1,032n/a
Receivables 0n/a
Total Current Assets 0n/a
PP&E 0n/a
Total Assets 29,709n/a
Accounts Payable 0n/a
Current Debt 0n/a
Total Current Liabilities 0n/a
Long-Term Debt 1,067n/a
Total Liabilities 25,611n/a
Total Equity 4,098n/a
Cash Flow
Depreciation & Amortisation 125n/a
Change in Working Capital -25n/a
Operating Cash Flow 135n/a
Net Change in PP&E and Intangibles -85n/a
Investing Cash Flow 726n/a
Dividends Paid -125n/a
Financing Cash Flow -1,106n/a
Total Change in Cash -256n/a
Free Cash Flow 2,012n/a
Profitability Ratios
Gross Margin 0.0%n/a
Operating Margin 30.3%n/a
Net Profit Margin 7.5%n/a
Return on Equity 13.8%n/a
Return on Assets 1.9%n/a
Per Share Figures
Basic EPS 9.23n/a
Diluted EPS 9.13n/a
Sales per Share 122.95n/a
Book Value per Share 66.90n/a
FCF per Share 32.85n/a
Dividends per Share 2.05n/a
Price Multiples
Price to Earnings Ratio 10.37n/a
Price to Sales Ratio 0.78n/a
Price to Book Value 1.43n/a
Price to Free Cash Flow 2.91n/a
Valuation Metrics
EV/EBITDA 2.24n/a
EV/Sales 0.72n/a
Book to Market Value 0.77n/a
Other Ratios
Current Ratio 0.0%n/a
Liabilities to Equity Ratio 625.0%n/a
Debt to Assets Ratio 3.6%n/a
Profit & Loss StatementP&L data quality: 100% (?)
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in million USD FY '07FY '08FY '09FY '10FY '11FY '12FY '13FY '14FY '15FY '16
Net Revenue
8,454
8,601
8,701
8,528
8,273
8,508
9,048
10,382
10,325
7,532
Net Premiums Earned
7,408
7,925
7,550
7,403
7,125
7,237
7,760
8,632
8,351
5,007
Investment Income (Loss)
799
774
699
703
690
713
650
656
626
516
Income from Real Estate
0
0
0
0
0
0
0
0
0
0
Other Operating Income
247
-98
451
421
458
558
638
1,093
1,348
2,009
Policy Charges & Fees
276
301
482
363
405
475
587
1,034
1,303
1,422
Total Realized Investment Gains
-62
-429
-54
48
33
64
35
61
32
162
Total OTTI Realized
-48
-340
-39
-11
-8
-2
-4
0
-5
-7
Other Realized Investment Gains
-14
-89
-15
60
40
66
39
61
37
169
Other Income
33
29
22
10
20
18
16
-2
13
424
Claims & Losses
-3,713
-4,019
-3,868
-3,636
-3,750
-3,655
-3,676
-4,405
-4,743
-1,808
Claims & Losses
0
0
0
0
0
0
0
0
0
0
Long Term Charges
0
0
0
0
0
0
0
0
0
0
Other Claims & Losses
0
0
0
0
0
0
0
0
0
0
Underwriting Expense & Acquisition Cost
-2,239
-2,286
-2,377
-2,517
-2,429
-2,632
-3,034
-3,688
-3,924
-3,443
Other Operating Expense
0
0
0
0
0
0
0
0
0
0
Operating Income (Loss)
2,502
2,296
2,455
2,375
2,094
2,221
2,338
2,288
1,659
2,281
Non-Operating Income (Loss)
-1,491
-1,733
-1,663
-1,462
-1,388
-1,464
-1,548
-1,544
-1,458
-1,409
Income (Loss) from Affiliates
0
0
0
0
0
0
0
0
0
0
Interest Expense
-61
-61
-61
-61
-60
-60
-78
-58
-55
-58
Other Non-Operating Income (Loss)
-1,430
-1,672
-1,602
-1,402
-1,328
-1,403
-1,470
-1,486
-1,403
-1,351
Pretax Income (Loss), Adjusted
1,011
563
793
913
706
758
790
744
201
872
Abnormal Gains (Losses)
0
0
-83
-306
0
0
0
0
0
-23
Merger / Acquisition Expense
0
0
0
0
0
0
0
0
0
0
Abnormal Derivatives
0
0
0
0
0
0
0
0
0
0
Disposal of Assets
0
0
0
0
0
0
0
0
0
0
Early extinguishment of Debt
0
0
0
0
0
0
0
0
0
0
Asset Write-Down
0
0
0
0
0
0
0
0
0
0
Impairment of Goodwill & Intangibles
0
0
0
0
0
0
0
0
0
0
Sale of Business
0
0
0
0
0
0
0
0
0
0
Legal Settlement
0
0
0
0
0
0
0
0
0
0
Restructuring Charges
0
0
0
0
0
0
0
0
0
0
Net Investment Losses
0
0
0
0
0
0
0
0
0
0
Foreign Exchange
0
0
0
0
0
0
0
0
0
0
Other Abnormal Items
0
0
0
0
0
0
0
0
0
0
Pretax Income (Loss)
1,011
563
710
607
706
758
790
744
201
849
Income Tax (Expense) Benefit, net
-357
-115
-279
-328
-167
-274
-301
-273
-60
-283
Current Income Tax
0
0
0
0
0
0
0
0
0
0
Deferred Income Tax
0
0
0
0
0
0
0
0
0
0
Tax Allowance/Credit
0
0
0
0
0
0
0
0
0
0
Income (Loss) from Affiliates, net of taxes
0
0
0
0
0
0
0
0
0
0
Income (Loss) from Continuing Operations
654
448
431
279
539
484
489
471
142
565
Net Extraordinary Gains (Losses)
0
0
0
0
0
0
0
0
0
0
Discontinued Operations
0
0
0
0
0
0
0
0
0
0
XO & Accounting Charges & Other
0
0
0
0
0
0
0
0
0
0
Income (Loss) Including Minority Interest
654
448
431
279
539
484
489
471
142
565
Minority Interest
0
0
0
0
0
0
0
0
0
0
Net Income
654
448
431
279
539
484
489
471
142
565
Preferred Dividends
0
0
0
0
0
0
0
0
0
0
Other Adjustments
0
0
0
0
0
0
0
0
0
0
Net Income Available to Common Shareholders
654
448
431
279
539
484
489
471
142
565
Remarks
restated on Feb 25, 2010 n/a
calculated values,
restated on Feb 25, 2011 n/a
calculated values,
restated on Feb 23, 2012 n/a
calculated values,
restated on Feb 20, 2013 n/a
calculated values,
restated on Feb 19, 2014 n/a
calculated values,
restated on Feb 19, 2015 n/a
calculated values,
restated on Feb 16, 2016 n/a
calculated values,
restated on Feb 14, 2017 n/a
calculated values,
restated on Feb 14, 2017 n/a
calculated values,
restated on Feb 14, 2017 n/a
calculated values,
Balance SheetBS data quality: 100% (?)
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in million USD FY '07FY '08FY '09FY '10FY '11FY '12FY '13FY '14FY '15FY '16
Assets
Total Investments
n/a
12,067
13,158
13,520
14,026
14,976
14,244
14,131
12,995
11,479
Fixed Income-Trading/AFS & Short Term Inv.
n/a
8,632
9,967
10,613
11,193
12,172
11,292
11,263
10,215
9,572
Loans & Mortgages
n/a
1,565
1,484
1,377
1,364
1,365
1,339
1,321
1,195
663
Fixed Income Securities-HTM
n/a
0
0
0
0
0
0
0
0
0
Equity Securities
n/a
434
513
467
362
476
458
499
500
421
Real Estate Investments
n/a
0
0
0
0
0
0
0
0
0
Other Investments
n/a
1,436
1,194
1,063
1,107
964
1,155
1,048
1,084
823
Cash & Cash Equivalents
n/a
1,041
1,319
1,151
1,167
909
1,717
1,319
1,288
1,032
Accounts & Notes Receivable
n/a
513
508
543
649
830
1,080
1,446
1,261
1,218
Net Fixed Assets
n/a
0
0
0
0
0
0
0
0
0
Deferred Policy Acquisition Costs
n/a
2,651
2,505
2,493
2,493
2,861
3,129
2,958
3,151
3,267
Other Assets
n/a
8,243
8,372
8,690
8,685
9,370
9,544
11,709
11,342
12,713
Total Assets
n/a
24,515
25,861
26,397
27,020
28,947
29,715
31,562
30,036
29,709
Liabilities and owners' equity
Insurance Reserves
n/a
15,806 15806235000
15,870 15869524000
16,520 16520321000
17,278 17278342000
18,666 18666355000
18,699 18698615000
19,712 19711953000
19,787 19787133000
20,041 20040660000
Reserve for Outstanding Claims & Losses
n/a
3,303 3302731000
3,366 3366327000
3,351 3351169000
3,437 3437119000
3,961 3960590000
3,389 3389371000
3,699 3698606000
3,897 3896719000
3,301 3301257000
Premium Reserve (Unearned)
n/a
5,408 5407859000
5,154 5153564000
5,064 5063999000
5,482 5482017000
6,192 6192260000
6,663 6662672000
6,530 6529675000
6,424 6423720000
6,627 6626525000
Life Policy Benefits
n/a
7,096 7095645000
7,350 7349633000
8,105 8105153000
8,359 8359206000
8,514 8513505000
8,647 8646572000
9,484 9483672000
9,467 9466694000
10,113 10112878000
Other Insurance Reserves
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Short Term Debt
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Other Short Term Liabilities
n/a
2,237 2236920000
2,185 2185344000
2,119 2118625000
2,201 2200563000
2,391 2390614000
2,603 2602730000
3,592 3591890000
2,763 2762542000
2,811 2811061000
Long Term Debt
n/a
972 971957000
972 972058000
972 972164000
972 972278000
972 972399000
1,638 1638118000
1,171 1171079000
1,165 1164656000
1,067 1067020000
Pension Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Pensions
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Other Post-Retirement Benefits
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Other Long Term Liabilities
n/a
1,779 1778809000
1,972 1972332000
2,000 2000371000
1,695 1694729000
1,732 1731873000
1,942 1941747000
1,906 1906237000
1,798 1798104000
1,692 1692287000
Funds for Future Appropriations
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Total Liabilities
n/a
20,794 20793921000
20,999 20999258000
21,611 21611481000
22,146 22145912000
23,761 23761241000
24,881 24881210000
26,381 26381159000
25,512 25512435000
25,611 25611028000
Preferred Equity
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Policyholders' Equity
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Share Capital & Additional Paid-In Capital
n/a
2,930 2929603000
2,964 2964330000
2,995 2995410000
3,027 3026941000
3,054 3053928000
3,089 3089015000
3,133 3132764000
3,150 3149906000
3,177 3177371000
Common Stock
n/a
1 1443000
1 1447000
1 1453000
1 1464000
1 1474000
1 1482000
1 1490000
1 1497000
2 1504000
Additional Paid in Capital
n/a
2,928 2928160000
2,963 2962883000
2,994 2993957000
3,025 3025477000
3,052 3052454000
3,088 3087533000
3,131 3131274000
3,148 3148409000
3,176 3175867000
Other Share Capital
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Treasury Stock
n/a
-1,200 -1199523000
-1,231 -1231472000
-1,764 -1764422000
-2,297 -2297351000
-2,700 -2700061000
-3,098 -3098241000
-3,317 -3316511000
-3,601 -3601162000
-4,471 -4470551000
Retained Earnings
n/a
2,650 2650371000
3,054 3054466000
3,264 3264025000
3,587 3586784000
4,001 4001096000
4,416 4415875000
4,809 4809287000
4,857 4856674000
5,297 5296678000
Other Equity
n/a
-660 -659786000
74 74085000
291 290524000
558 557576000
830 830403000
427 426830000
556 555767000
119 118549000
95 94602000
Equity Before Minority Interest
n/a
3,721 3720665000
4,861 4861409000
4,786 4785537000
4,874 4873950000
5,185 5185366000
4,833 4833479000
5,181 5181307000
4,524 4523967000
4,098 4098100000
Minority Interest
n/a
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Total Equity
n/a
3,721 3720665000
4,861 4861409000
4,786 4785537000
4,874 4873950000
5,185 5185366000
4,833 4833479000
5,181 5181307000
4,524 4523967000
4,098 4098100000
Total Liabilities & Equity
n/a
24,515 24514586000
25,861 25860667000
26,397 26397018000
27,020 27019862000
28,947 28946607000
29,715 29714689000
31,562 31562466000
30,036 30036402000
29,709 29709128000
Remarks restated on n/a restated on Feb 25, 2010 n/a restated on Feb 25, 2011 n/a restated on Feb 23, 2012 n/a restated on Feb 20, 2013 n/a restated on Feb 19, 2014 n/a restated on Feb 19, 2015 n/a restated on Feb 16, 2016 n/a restated on Feb 14, 2017 n/a restated on Feb 14, 2017 n/a
Cash Flow StatementCF data quality: 100% (?)
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in million USD FY '07FY '08FY '09FY '10FY '11FY '12FY '13FY '14FY '15FY '16
Net Income/Starting Line
654
448
431
279
539
484
489
471
142
565
Net Income
0
0
0
0
0
0
0
0
0
0
Net Income From Discontinued Operations
0
0
0
0
0
0
0
0
0
0
Other Adjustments
0
0
0
0
0
0
0
0
0
0
Depreciation & Amortization
94
92
114
127
129
124
125
132
137
125
Non-Cash Items
479
719
-47
163
-63
33
107
-545
70
-531
Stock-Based Compensation
20
24
30
35
37
38
50
49
39
42
Deferred Income Taxes
0
0
0
0
0
0
0
0
0
0
Other Non-Cash Adjustments
460
695
-78
129
-100
-5
57
-594
31
-573
Net Change in Operating Capital
-24
-259
-227
-28
250
39
307
336
-94
-25
Net Cash From Discontinued Operations (operating)
0
0
0
0
0
0
0
0
0
0
Cash from Operating Activities
1,204
999
270
541
855
680
1,028
394
255
135
Change in Fixed Assets and Intangibles
-57
-55
-54
-51
-32
-54
-51
-84
-115
-85
Disposition of Fixed Assets & Intangibles
0
0
0
0
0
0
0
0
0
0
Acquisition of Fixed Assets & Intangibles
0
0
0
0
0
0
0
0
0
0
Net Change in Investments
-579
232
-155
-207
-51
-598
89
184
296
-535
Increase in Investments
-3,578
-2,663
-2,172
-2,945
-2,678
-3,916
-3,612
-2,605
-2,932
-4,460
Decrease in Investments
2,999
2,895
2,017
2,738
2,627
3,318
3,702
2,789
3,228
3,926
Other Investing Activities
-572
-505
351
249
-114
203
-431
-36
83
1,346
Net Cash From Discontinued Operations (investing)
0
0
0
0
0
0
0
0
0
0
Cash from Investing Activities
-1,209
-329
141
-9
-197
-450
-393
64
264
726
Dividends Paid
-55
-64
-70
-70
-67
-69
-74
-77
-94
-125
Cash From (Repayment of) Debt
0
0
0
0
0
0
664
-467
0
-123
Cash From (Repayment of) Short Term Debt, net
0
0
0
0
0
0
0
0
0
0
Cash From (Repayment of) Long Term Debt, net
0
0
0
0
0
0
0
0
0
0
Repayments of Long Term Debt
0
0
0
0
0
0
0
0
0
0
Cash From Long Term Debt
0
0
0
0
0
0
0
0
0
0
Cash (Repurchase) of Equity
-316
-59
-32
-523
-534
-412
-393
-215
-293
-863
Increase in Capital Stock
0
0
0
0
0
0
0
0
0
0
Decrease in Capital Stock
-316
-59
-32
-523
-534
-412
-393
-215
-293
-863
Change in Insurance Reserves
0
0
0
0
0
0
0
0
0
0
Other Financing Activities
184
-289
-41
-107
-36
1
-1
-16
-100
6
Net Cash From Discontinued Operations (financing)
0
0
0
0
0
0
0
0
0
0
Cash from Financing Activities
-187
-412
-143
-699
-637
-481
197
-776
-487
-1,106
Net Cash Before Disc. Operations and FX
-192
258
269
-168
22
-251
832
-318
32
-246
Change in Cash from Disc. Operations and Other
0
0
0
0
0
0
0
-52
-6
6
Net Cash Before Exchange Rates
-192
258
269
-168
22
-251
832
-370
26
-240
Effect of Foreign Exchange Rates
9
-22
9
0
-6
-6
-24
-28
-56
-16
Net Changes in Cash
-183
236
278
-168
16
-257
808
-399
-30
-256
Remarks
restated on Feb 25, 2010 n/a
calculated values,
restated on Feb 25, 2011 n/a
calculated values,
restated on Feb 23, 2012 n/a
calculated values,
restated on Feb 20, 2013 n/a
calculated values,
restated on Feb 19, 2014 n/a
calculated values,
restated on Feb 19, 2015 n/a
calculated values,
restated on Feb 16, 2016 n/a
calculated values,
restated on Feb 14, 2017 n/a
calculated values,
restated on Feb 14, 2017 n/a
calculated values,
restated on Feb 14, 2017 n/a
calculated values,
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