Assurant Reports Q3 2026 Results and Raises Full-Year 2026 Outlook

Assurant, Inc. (AIZ) Form 8-K: Q3 2026 Financial Results Summary

On November 3, 2026, Assurant, Inc. filed a Current Report on Form 8-K under Item 2.02 (Results of Operations and Financial Condition), reporting financial results for the third quarter ended September 30, 2026, and increasing its full-year 2026 outlook.

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Key Q3 2026 Financial Metrics

• GAAP Net Income: $275.2 million, up 4% compared to $265.6 million in Q3 2025.
• GAAP Diluted EPS: $5.49, up 6% compared to $5.17 in Q3 2025.
• Adjusted EBITDA: $464.4 million, up 8% compared to $431.5 million in Q3 2025.
• Adjusted EBITDA (ex-reportable catastrophes): $484.1 million, up 12% compared to $433.5 million in Q3 2025.
• Adjusted EPS (ex-reportable catastrophes): $6.46, up 12% compared to $5.76 in Q3 2025.
• Combined Segment Net Earned Premiums, Fees & Other Income: $3.41 billion, up 10% compared to $3.11 billion in Q3 2025.

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Segment Performance

1. Global Lifestyle:

   • Adjusted EBITDA: $236.9 million, an increase of 15% YoY.
   • Driver: Connected Living earnings grew 23%, driven by mobile global supply chain and device protection programs, alongside financial services. Global Automotive Adjusted EBITDA rose 9% excluding the prior-year run-rate benefit.
   • Revenue: Net earned premiums, fees, and other income climbed 11% to $2.66 billion.

2. Global Housing:

   • Adjusted EBITDA: $268.3 million, up 5% YoY ($288.0 million excluding reportable catastrophes, an 11% YoY increase).
   • Reportable Catastrophes: $19.7 million in Q3 2026 versus $2.0 million in Q3 2025.

3. Corporate and Other:

   • Adjusted EBITDA Loss: $(40.8) million compared to $(31.6) million in Q3 2025, driven by higher corporate expenses.

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Increased Full-Year 2026 Outlook

• Adjusted EBITDA Growth (ex-catastrophes): Expected to grow approximately 10%.
• Adjusted EPS Growth (ex-catastrophes): Expected to deliver low double-digit growth.
• Capital Allocation: The company now expects to complete $350 million in share repurchases for full-year 2026 while maintaining balance sheet flexibility for strategic reinvestment.