Every material Form 8-K Assurant has filed with the SEC since November 05, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Assurant, Inc. announced its third quarter 2026 financial results, reporting a 4 percent increase in GAAP net income to $275.2 million and an 8 percent rise in Adjusted EBITDA to $464.4 million. Driven by broad-based earnings growth across its segments, the company increased its full-year 2026 outlook for Adjusted EBITDA and adjusted earnings per share.
GAAP net income rose 4 percent in Q3 2026 to $275.2 million, or $5.49 per diluted share.
Adjusted EBITDA excluding reportable catastrophes increased 12 percent to $484.1 million for the quarter.
The company raised its full-year 2026 outlook to expect Adjusted EBITDA growth of approximately 10 percent.
Holding company liquidity stood at $954 million as of September 30, 2026.
Assurant reported record second-quarter 2026 results, with GAAP net income up 27% to $298.6 million and GAAP diluted earnings per share up 30% to $5.95. The company raised its full-year 2026 outlook, now expecting mid-single-digit growth in Adjusted EBITDA and Adjusted earnings per share, both excluding reportable catastrophes, and expects share repurchases toward the upper end of its $300 million to $350 million range.
GAAP net income was $298.6 million in Q2 2026, up from $235.3 million a year earlier; GAAP diluted EPS was $5.95, up from $4.56.
Adjusted earnings per diluted share, excluding reportable catastrophes, rose 19% to $6.60 from $5.56.
2026 outlook: Adjusted EBITDA and Adjusted EPS, excluding reportable catastrophes, now expected to grow mid single digits; Global Lifestyle Adjusted EBITDA now expected to rise low double digits.
Holding company liquidity was $911 million at June 30, 2026, and $544 million remains under the current repurchase authorization.
At its May 21, 2026 annual meeting, Assurant stockholders approved an amendment to the 2017 Long Term Equity Incentive Plan that adds 480,000 shares of common stock to the available share reserve. They also elected all 10 director nominees and ratified PricewaterhouseCoopers LLP as auditor, but did not approve a stockholder proposal to allow action by written consent. The vote results set the company's equity plan capacity and governance terms for shareholders.
Proposal 4: the Amended ALTEIP was approved with 43,536,600 votes for and 663,805 against.
All 10 director nominees were elected to serve until the 2027 annual meeting; Paul J. Reilly (964,048 against) and Elaine D. Rosen (929,632 against) drew the most opposing votes.
Proposal 5, the written-consent stockholder proposal, was not approved: 12,892,508 for and 31,302,676 against.
Proposal 2: PricewaterhouseCoopers LLP was ratified for the fiscal year ending December 31, 2026, with 44,144,033 for and 2,592,908 against.
Assurant reported first-quarter 2026 GAAP net income of $274.1 million, up 87% from $146.6 million a year earlier, and raised its full-year 2026 outlook. The company now expects share repurchases of $300 million to $350 million this year, at the upper end of its prior guidance.
GAAP net income per diluted share was $5.41, up 91% from $2.83; adjusted earnings per diluted share excluding reportable catastrophes rose 9% to $6.33 from $5.79.
Reportable catastrophes totaled $24.4 million in the quarter, down from $157.0 million in first-quarter 2025.
2026 outlook: Adjusted EBITDA and adjusted EPS, both excluding reportable catastrophes, now expected to grow low single digits, or high single digits on an underlying basis.
$620 million remains under the current share repurchase authorization after $30 million of buybacks from April 1 through May 1, 2026.
Assurant reported fourth-quarter 2025 GAAP net income of $225.2 million, up 12% from a year earlier, and full-year net income of $872.7 million, up 15%. For 2026, the company expects Adjusted EBITDA excluding reportable catastrophes and Adjusted earnings per diluted share excluding reportable catastrophes to be consistent with 2025 levels, or to rise mid-to-high single digits excluding $113 million of favorable prior-year reserve development.
Q4 2025 GAAP net income per diluted share was $4.41, up 14% from $3.87; full-year 2025 was $16.93, up 17%.
Q4 2025 Adjusted earnings per diluted share excluding reportable catastrophes was $5.75, up 4% from $5.54.
Full-year 2025 net earned premiums, fees and other income reached $12.35 billion, up 8% from $11.42 billion.
Global Housing Adjusted EBITDA excluding reportable catastrophes is expected to decrease in 2026, while Global Lifestyle is expected to rise high single digits.
Assurant's board appointed Lynn Blake, a former State Street Investment Management executive, as a director effective January 28, 2026, subject to customary regulatory approval. The board also accepted director Debra Perry's resignation under its retirement policy, effective at the 2026 annual shareholder meeting. The filing describes a board addition and a planned departure, with no financial results or guidance included.
Lynn Blake appointed to the Board and to the Finance and Risk Committee and Nominating and Corporate Governance Committee, subject to customary regulatory approval.
Blake was Executive Vice President and Chief Investment Officer, Global Equity Beta Solutions, at State Street Investment Management from 2011 to 2021.
Debra Perry's board resignation takes effect at the company's 2026 annual meeting of stockholders.
Blake will receive a cash retainer and restricted stock unit grants as described in the April 8, 2025 proxy statement.
Assurant reported third-quarter 2025 GAAP net income of $265.6 million, up 99% from $133.8 million a year earlier, with diluted EPS of $5.17 versus $2.55. The company raised its 2025 outlook, now expecting Adjusted EBITDA excluding reportable catastrophes to grow approaching 10% and Adjusted EPS excluding reportable catastrophes to grow low double digits, and plans $300 million of share repurchases for the full year.
Q3 2025 GAAP net income was $265.6 million, up 99% from $133.8 million; diluted EPS was $5.17 versus $2.55.
Adjusted EBITDA excluding reportable catastrophes rose 13% to $433.5 million; Adjusted EPS excluding reportable catastrophes was $5.76 versus $5.08.
2025 outlook raised: Adjusted EBITDA excluding reportable catastrophes now expected to approach 10% growth; Adjusted EPS excluding reportable catastrophes now expected to deliver low double-digit growth.
Full-year 2025 share repurchases planned at $300 million, at the top of the expected range; $141 million remains under the current repurchase authorization as of October 31, 2025.
Assurant, Inc. appointed Michael P. Campbell as Executive Vice President and Chief Operating Officer, effective September 15, 2025, and named Ryan Lumsden to succeed him as President of Global Housing. The filing sets out Campbell's pay, including a $620,000 base salary and a one-time equity award with a grant date value of approximately $750,000, which shareholders may track in future proxy disclosures.
Michael P. Campbell, 58, becomes EVP and Chief Operating Officer effective September 15, 2025, taking over Global Operations and Information Technology.
Campbell's compensation includes an annual base salary of $620,000 (pro-rated), a 2025 target bonus of 100% of base salary, and a 2026 long-term incentive target of 300% of adjusted base salary.
Campbell receives a one-time top-off equity award on October 1, 2025, with a grant date value of approximately $750,000, split 25% restricted stock units and 75% performance stock units.
Ryan Lumsden is named EVP and President, Global Housing, succeeding Campbell; he joined Assurant in 2014 and joins the Management Committee.
Assurant reported second quarter 2025 GAAP net income of $235.3 million, up 25 percent from $188.7 million a year earlier, and GAAP diluted EPS of $4.56, up from $3.58. The company raised its full-year 2025 outlook, now expecting adjusted EPS excluding reportable catastrophes to approach 10% growth, and plans $250 to $300 million in share repurchases at the upper end of its guidance.
Q2 2025 adjusted EPS was $5.10 versus $4.08; excluding reportable catastrophes, it was $5.56 versus $4.77.
First-half 2025 GAAP net income fell 10 percent to $381.9 million, with reportable catastrophes of $186.8 million pre-tax versus $58.7 million a year earlier.
Global Housing Adjusted EBITDA rose 33 percent to $214.4 million in Q2; Global Lifestyle rose 6 percent to $201.4 million.
Holding company liquidity was $518 million as of June 30, 2025, and $225 million remains under the current repurchase authorization.
Assurant's Executive Vice President and Chief Operating Officer, Francesca L. Luthi, will step down from her role on September 15, 2025, for personal reasons, and will provide transition support until January 4, 2026. The Compensation and Talent Committee amended her 2023-2025 performance stock units so she must remain employed through December 31, 2025, instead of March 16, 2026, and she will forfeit certain unvested equity awards.
Francesca L. Luthi, EVP and Chief Operating Officer, notified the company on July 10, 2025 of her departure from her current position
Step-down effective September 15, 2025; transition support runs until January 4, 2026
On July 11, 2025, her 2023-2025 PSUs were amended so employment is required through December 31, 2025, instead of March 16, 2026; vesting remains tied to company performance
She will forfeit restricted stock units that would have vested March 16, 2026, and all other unvested equity awards
Assurant entered a third amended and restated credit agreement on June 18, 2025, establishing a $500 million five-year senior unsecured revolving credit facility that replaces its prior $500 million facility. The new facility expires in June 2030, compared with December 2026 for the prior one, and the company may increase it to $750 million subject to conditions.
New $500 million five-year senior unsecured revolving credit facility, expiring June 2030
Replaces prior $500 million facility entered December 9, 2021, which was scheduled to expire December 2026
Letter of credit sublimit of $50 million; proceeds may be used for general corporate purposes
Company may increase the facility to $750 million, subject to certain conditions
Assurant reported first-quarter 2025 GAAP net income of $146.6 million, down 38% from a year earlier, after $157.0 million of reportable catastrophes, mainly California wildfires. Excluding catastrophes, adjusted earnings per diluted share rose 16% to $5.79, and the company reaffirmed its 2025 outlook for modest growth.
GAAP net income was $146.6 million versus $236.4 million in Q1 2024; diluted EPS was $2.83 versus $4.47.
Reportable catastrophes were $157.0 million pre-tax versus $13.0 million; about $125 million was from the California wildfires, including estimated subrogation recoveries.
Adjusted earnings per diluted share excluding catastrophes rose 16% to $5.79 from $4.97.
Holding company liquidity was $501 million at March 31, 2025; the company repurchased $25 million of shares from April 1 through May 2, 2025.
Assurant reported fourth-quarter and full-year 2024 results on February 11, 2025, with GAAP net income up 10% in the quarter to $201.3 million and up 18% for the year to $760.2 million. Full-year GAAP net income per diluted share rose 21% to $14.46, and the company expects modest growth in 2025 Adjusted EBITDA and Adjusted EPS excluding reportable catastrophes, or high-single-digit growth excluding 2024 favorable prior year development.
Q4 2024 GAAP net income per diluted share was $3.87, up 13% from $3.42; Q4 Adjusted EBITDA rose 6% to $381.4 million.
Full-year 2024 Adjusted earnings, excluding reportable catastrophes, per diluted share rose 19% to $20.35.
2025 outlook calls for modest growth in Adjusted EBITDA and Adjusted EPS excluding reportable catastrophes, and high-single-digit growth excluding $107 million of 2024 favorable prior year development.
Holding company liquidity was $673 million at December 31, 2024; 2024 share repurchases and dividends totaled $456 million.
Assurant said it expects about $50 million pre-tax, or $40 million after-tax, in reportable catastrophe losses for fourth quarter 2024, which is more favorable than early estimates given on its third quarter call. The company also agreed to sell its Miami, Florida campus for $126 million, subject to buyer development approvals that could take 18 to 24 months, and it expects California wildfires to be a reportable catastrophe in first quarter 2025.
Q4 2024 reportable catastrophes expected at about $50 million pre-tax ($40 million after-tax), mainly in lender-placed within Global Housing and largely from Hurricane Milton
Miami campus sale agreement dated January 22, 2025, at a purchase price of $126 million, with a 90-day buyer due diligence period
Closing expected within 30 days after buyer receives development approvals, which could take 18 to 24 months
California wildfires expected to be a reportable catastrophe in Q1 2025; more detail planned for the February 12, 2025 earnings call
Assurant named Kevin Warren, former chief marketing and customer experience officer at UPS, to its Board of Directors and its Compensation and Talent Committee, effective January 15, 2025, subject to customary regulatory approval. Two directors are also leaving the board: Lawrence V. Jackson will retire at the 2025 annual meeting, and Paget L. Alves will resign effective January 15, 2025 to become CEO of Sorenson.
Kevin Warren joins the board and Compensation and Talent Committee effective January 15, 2025, subject to customary regulatory approval.
Warren served as chief marketing and customer experience officer at UPS from 2018 to 2024 and spent 34 years at Xerox Corporation.
Lawrence V. Jackson retires effective at the 2025 annual meeting of stockholders.
Paget L. Alves resigns from the board effective January 15, 2025 to become CEO of Sorenson.
Assurant reported third quarter 2024 GAAP net income of $133.8 million, down 30% from a year earlier, as reportable catastrophes cut results, mainly in Global Housing. Excluding those catastrophes, adjusted earnings per share rose 9% to $5.08, and the company raised its 2024 outlook, which matters to shareholders because it signals stronger expected underlying earnings growth and planned share repurchases.
GAAP net income was $133.8 million, down 30% from $190.1 million; diluted EPS was $2.55 versus $3.54.
Reportable catastrophes totaled $138.2 million pre-tax in Q3 2024, compared with $26.4 million a year earlier.
Adjusted EBITDA excluding catastrophes rose 8% to $385.1 million; 2024 outlook now calls for low double-digit growth in that measure and mid- to high-teens growth in adjusted EPS excluding catastrophes.
The company expects to return $300 million through share repurchases in 2024, with $475 million remaining under its current authorization.
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