UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2024 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31978 Assurant, Inc. (Exact name of registrant as specified in its charter) Delaware 39-1126612 (State or other jurisdiction of incorpo ...

财务数据和关键指标变化 - 第三季度调整后EBITDA增长8%，达到3.85亿美元，调整后每股收益增长9%，达到5.08美元，均不包括报告的灾难损失 [34] - 截至第三季度，公司生成超过1.6亿美元的部门股息，持有公司流动性为6.36亿美元 [34] 各条业务线数据和关键指标变化 - 全球生活业务的调整后EBITDA下降4%，但连接生活业务的保护设备数量增加超过200万，主要来自美国有线运营商和新的亚太客户 [36][39] - 全球汽车业务的收益同比略有下降，主要由于附属GAAP产品的损失增加，但投资收入有所上升 [38] - 全球住房业务的调整后EBITDA在第三季度增长20%，达到2.29亿美元，主要受政策增长和平均保费增加的推动 [41][43] 各个市场数据和关键指标变化 - 全球生活业务的净赚保费、费用和其他收入增长1.44亿美元，增长率为7%，主要受连接生活业务的推动 [39] - 在全球住房业务中，政策增长主要来自于新合作伙伴和组合的增加，以及自愿保险市场压力的增加 [18][41] 公司战略和发展方向和行业竞争 - 公司正在通过持续的创新和产品差异化来推动增长，特别是在B2B2C合作伙伴关系方面 [27][30] - 公司计划在2025年继续加大对新客户和新项目的投资，以支持未来的增长 [55][68] - 公司在全球住房和生活领域的领导地位和竞争优势使其能够在不同的宏观经济环境中保持韧性和优异表现 [22][23] 管理层对经营环境和未来前景的评论 - 管理层对2024年的前景持乐观态度，预计调整后EBITDA将增长低双位数，调整后每股收益将增长中到高十位数 [21] - 管理层提到，尽管面临多次灾难性事件，但公司的资本状况依然强劲，预计将向股东回购30亿美元的股份 [33] 其他重要信息 - 公司在全球汽车业务中实施了16次费率调整，以应对通货膨胀和损失问题 [77] - 公司在连接生活业务中投资了2100万美元，预计这些投资将在未来带来收益和EBITDA [66] 问答环节所有提问和回答 问题: 关于全球住房的定价策略 - 管理层表示，预计2025年的定价将保持相对稳定，未预见到大幅度的保费变化 [50] 问题: 关于全球生活业务的增长预期 - 管理层预计2025年全球生活业务将加速增长，特别是在连接生活领域 [53] 问题: 关于自愿保险业务的增长趋势 - 管理层指出，自愿保险业务的增长主要受市场硬化的推动，政策放置率有所上升 [58] 问题: 关于连接生活业务的投资 - 管理层确认，2024年的投资支出将逐步减少，预计2025年将有新的投资项目推出 [66] 问题: 关于全球汽车业务的盈利能力 - 管理层表示，全球汽车业务的盈利能力将随着费率的提高和通货膨胀的稳定而改善 [62][78]

Assurant, Inc. (AIZ) reported third-quarter 2024 net operating income of $3.00 per share, which beat the Zacks Consensus Estimate by 20%. However, the bottom line declined 30.7% year over year.Stay up-to-date with all quarterly releases: See Zacks Earnings Calendar.The quarterly results reflected solid performance at Global Housing with growing revenues and expense discipline. Global Lifestyle performed in line with expectations, as AIZ prioritized strategic investments for growth in new and expanded Connec ...

Assurant (AIZ) reported $2.99 billion in revenue for the quarter ended September 2024, representing a year-over-year increase of 6.9%. EPS of $3.00 for the same period compares to $4.29 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $2.91 billion, representing a surprise of +2.59%. The company delivered an EPS surprise of +20.00%, with the consensus EPS estimate being $2.50.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and ho ...

Assurant (AIZ) came out with quarterly earnings of $3 per share, beating the Zacks Consensus Estimate of $2.50 per share. This compares to earnings of $4.29 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 20%. A quarter ago, it was expected that this insurer would post earnings of $3.58 per share when it actually produced earnings of $4.08, delivering a surprise of 13.97%.Over the last four quarters, the company has surpassed ...

灾难损失 - 公司预计第三季度将录得约1.38亿美元的税前可报告灾难损失，主要来自全球住房分部[3] - 可报告灾难损失主要来自贷款抵押贷款业务，其中9,200万美元税前来自"海伦娜"飓风[3] - 其余损失来自"伯尔"飓风、"黛比"飓风和"弗朗西斯"飓风[3] - "米尔顿"飓风预计将成为2024年第四季度的可报告灾难[3] 财务信息披露 - 公司将在2024年第三季度财报电话会议上提供更多细节[3]

This is the final article in a series of three, which have briefly discussed companies projected to reach the coveted dividend aristocrat status. The first article included companies in diverse sectors such as defense and aerospace, technology, pest controlI have a masters degree in Analytics from Northwestern University and a bachelors degree in Accounting. I have worked in the investment arena for over 10 years starting as an analyst and working my way up to a management role. Dividend investing is a pers ...

Wall Street analysts forecast that Assurant (AIZ) will report quarterly earnings of $2.64 per share in its upcoming release, pointing to a year-over-year decline of 38.5%. It is anticipated that revenues will amount to $2.91 billion, exhibiting an increase of 4.2% compared to the year-ago quarter.The consensus EPS estimate for the quarter has undergone a downward revision of 28.8% in the past 30 days, bringing it to its present level. This represents how the covering analysts, as a whole, have reassessed th ...

Wall Street expects a year-over-year decline in earnings on higher revenues when Assurant (AIZ) reports results for the quarter ended September 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on November 5. O ...

In September, fears about a slowdown in economic growth and an unexpected fall in consumer confidence resulted in volatility in the stock market. However, the market is well-poised to post the first September gains in five years due to the Federal Reserve’s jumbo interest rate cuts in its latest policy meeting, with more expected to come.The Fed’s dovish stance is expected to overwhelm market upheavals in the weeks ahead due to the presidential election and eventually help the S&P 500 Index hit the 6,000 ma ...