财务数据和关键指标变化 - 第一季度调整后EBITDA同比增长31%至3.84亿美元,调整后每股收益同比增长42%至4.97美元,均不包括可报告的灾难性损失 [34] - 公司资本状况良好,第一季度产生2.54亿美元的分部股息,并在季度内回购7700万美元股票 [34][35] 各条业务线数据和关键指标变化 全球生活方式 - 第一季度调整后EBITDA增长4%至2.08亿美元,同比增长5%(按固定汇率计算) [36][37] - 连接生活业务表现强劲,调整后EBITDA增长14% [37] - 美国连接生活业务受益于移动保护计划的持续增长和投资收益的提高 [37][38] - 国际连接生活业务受益于日本延保合同的一次性利益,剔除该影响后保持稳定 [39] - 全球汽车业务调整后EBITDA下降9%,受到持续的通胀影响 [40] 全球住房 - 第一季度调整后EBITDA(不含灾难性损失)增长74%至2.05亿美元 [44] - 主要受益于非灾难性损失率改善、保费收入增长和投资收益提高 [44] - 其中有2200万美元的有利前期准备金调整 [44] - 租赁和其他业务受益于物业管理渠道的增长 [45] 各个市场数据和关键指标变化 - 无重大变化 公司战略和发展方向及行业竞争 - 公司在多个有吸引力的专业市场中保持领导地位,拥有规模优势和与客户深度整合的竞争优势 [8] - 连接生活业务通过新的合作伙伴关系如Telstra和Spectrum Mobile的创新产品拓展业务 [12][13][14][15][16] - 汽车业务通过加价和优化理赔流程应对持续的通胀压力,长期前景良好 [19][20] - 住房业务凭借市场领导地位、快速实现费率充足性、规模效应和反周期特性持续强劲表现 [23][24][25][26] 管理层对经营环境和未来前景的评论 - 公司有信心实现2024年中单位数的调整后EBITDA增长目标,其中住房业务有望成为增长的主要驱动力 [29][31] - 连接生活业务预计将继续保持增长,但需要进行一定的投资 [43] - 汽车业务今年预计收益持平,未来几年随着加价措施的推进有望改善 [20][42] - 公司将继续关注宏观经济环境、通胀、汇率和利率水平的变化,以及新业务投资 [30][43] 问答环节重要的提问和回答 问题1 **Mark Hughes 提问** 连接生活业务EBITDA增长强劲,但设备覆盖量相对稳定,未来能否持续推动收入和利润增长 [66] **Keith Demmings 回答** 公司对美国连接生活业务的长期增长前景充满信心,过去7年一直保持双位数增长,尽管日本和预付费业务有所下滑,但主要的美国后付费业务表现出色 [67][68] 问题2 **Brian Meredith 提问** Bank of America和Telstra的启动费用是否已基本完成,以及未来是否还会有更多投资 [79] **Keith Meier 和 Keith Demmings 回答** Bank of America的贷款已经开始跟踪,政策将在二三季度陆续上线,到第三季度末基本完成 [80] Telstra的主要项目已在本月初启动,还有一些后续投资,但整体来看已处于良好的启动阶段 [81][82] 此外,全球连接生活业务在第一季度有大约500万美元的增量投资,预计全年会有2%-3%的影响 [82] 问题3 **Tommy McJoynt 提问** Bank of America等客户的加入是否会对跟踪贷款的投保率和平均投保金额产生影响 [92] **Keith Meier 和 Keith Demmings 回答** 不同客户的投保率存在一定差异,但整体来看到年底公司的投保政策数量应该会有所增加 [93][94]

Investor Presentation First Quarter 2024 ...

Assurant, Inc. (AIZ) reported first-quarter 2024 net operating income of $4.78 per share, which beat the Zacks Consensus Estimate by 23.5%. The bottom line surged 73.8% year over year. Quarterly results benefited from higher net earned premiums, fees and other income and net investment income, solid performance in the Global Housing and Global Lifestyle segments. It was partially offset by higher expenses and weakness in the Corporate & Other segment. Total revenues increased 8.9% year over year to $2.8 bil ...

Assurant (AIZ) reported $2.89 billion in revenue for the quarter ended March 2024, representing a year-over- year increase of 8.9%. EPS of $4.78 for the same period compares to $2.75 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $2.82 billion, representing a surprise of +2.62%. The company delivered an EPS surprise of +23.51%, with the consensus EPS estimate being $3.87. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Stree ...

Assurant (AIZ) came out with quarterly earnings of $4.78 per share, beating the Zacks Consensus Estimate of $3.87 per share. This compares to earnings of $2.75 per share a year ago. These figures are adjusted for non- recurring items. This quarterly report represents an earnings surprise of 23.51%. A quarter ago, it was expected that this insurer would post earnings of $3.70 per share when it actually produced earnings of $4.58, delivering a surprise of 23.78%. Over the last four quarters, the company has s ...

Exhibit 99.1 Assurant Reports First Quarter 2024 Financial Results Increase in First Quarter Earnings and EPS Led by Continued Strong Performance within Global Housing and Growth within Global Lifestyle ATLANTA, May 7, 2024 — Assurant, Inc. (NYSE: AIZ), a leading global business services company that supports, protects and connects major consumer purchases, today reported results for the first quarter ended March 31, 2024. “Our first quarter performance represented a strong start to 2024. Global Housing del ...

Wall Street analysts forecast that Assurant (AIZ) will report quarterly earnings of $3.87 per share in its upcoming release, pointing to a year-over-year increase of 40.7%. It is anticipated that revenues will amount to $2.82 billion, exhibiting an increase of 6.1% compared to the year-ago quarter. The consensus EPS estimate for the quarter has undergone a downward revision of 2.3% in the past 30 days, bringing it to its present level. This represents how the covering analysts, as a whole, have reassessed t ...

Zacks Premium - Zacks Premium提供了多种方式帮助投资者充分利用股市并增强投资信心[1] Zacks Style Scores - Zacks Style Scores是一套独特的指导方针，根据三种流行的投资类型对股票进行评级，帮助投资者选择未来30天内市场表现最佳的证券[3] 投资策略 - 通过结合Zacks Rank和Style Scores，投资者可以选择具有最高成功概率的股票，最大化回报[12]

收购扩张 - Assurant Inc.通过收购iSmash，扩大了在英国市场的影响力[1] - iSmash在英国拥有38家零售店和152名员工，专注于智能手机、平板电脑和笔记本电脑的快速维修服务[2] 领导地位加强 - Assurant通过整合iSmash，加强了在英国的领导地位，成为首选的设备维修目的地[3] 客户体验提升 - Assurant致力于提升客户体验，通过整合iSmash的服务，为客户提供更便捷和快速的维修选择，增加了移动设备产品的价值[4]

Zacks Premium - Zacks Premium提供了多种方式帮助投资者充分利用股市和增强投资信心[1] Zacks Style Scores - Zacks Style Scores是一组辅助指标，帮助投资者挑选具有击败市场潜力的股票[3] - Style Scores分为价值评分、成长评分、动量评分和VGM评分四个类别，分别评估股票的不同特征[5][6][7][8] Zacks Rank - Zacks Rank是一种专有的股票评级模型，利用盈利预期修订来帮助投资者构建成功的投资组合[9] - 拥有Zacks Rank 1或2的股票，并且具有A或B的Style Scores，有更高的成功概率[12] - 股票的盈利预期修订方向是选择股票时的关键因素，与Zacks Rank和Style Scores共同作用[13] Assurant (AIZ) - Assurant (AIZ)是一家全球风险管理解决方案提供商，具有Zacks Rank 2和VGM Score B[15] - AIZ具有A级的动量评分，股价在过去四周上涨了0.2%[16] - 三位分析师在过去60天内上调了对2024财年的盈利预期，AIZ应该在投资者的关注名单中[17]