EarningsQ2 2026 Earnings Report
MX:AIZ Q2 2026 EPS Results
Actual EPS$116.41
Consensus EPS$93.97
Beat/MissBeat by +$22.45
One Year Ago EPS$92.62
MX:AIZ Q2 2026 Revenue Results
Actual Revenue$62.73B
Expected Revenue$62.31B
Beat/MissBeat by +$421.80M
YoY Revenue Growth+9.37%
Earnings Announcement Details
QuarterQ2 2026
Date08/04/2026
TimeAfter Close
Conference CallTuesday, August 4, 2026
MX:AIZ Upcoming Earnings
Assurant's next earnings date is estimated for November 3, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
MX:AIZ Q2 2026 Earnings Call
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Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveys a predominantly positive tone: Assurant reported record quarterly results, raised its full-year outlook, and showed broad-based earnings momentum across Global Lifestyle (especially Connected Living), Global Housing, and Global Automotive. Strong capital generation enabled elevated share repurchases and liquidity. Notable risks include a headwind from lower favorable prior-year reserve development, a quarter-specific placement-rate impact from a client loan transfer, and some non-run-rate contributions to growth. Management emphasized durable, multi-year growth supported by technology and partnerships, while acknowledging a few near-term operational and reserve-related headwinds.Company Guidance
Record earnings and strong quarter-over-quarter growth
Second consecutive quarter of record earnings; Q2 adjusted EBITDA increased ~18% and adjusted EPS increased ~19% (both excluding reportable catastrophes). Through the first 6 months of 2026, adjusted EBITDA grew 12% and adjusted EPS grew 14% (excluding cats).
Global Lifestyle outperformance driven by Connected Living
Global Lifestyle adjusted EBITDA increased 21% in Q2 (and year-to-date). Connected Living EBITDA rose 29% in the quarter (+$39M); when normalized for ~$10M of non-run-rate items, Connected Living EBITDA grew ~22%. Device protection added over 4 million devices year-over-year and the global supply chain serviced ~7 million devices (up ~1.8 million).
Global Housing strong fundamentals and growth
Q2 Global Housing adjusted EBITDA was $275M including $12M of reportable catastrophes; excluding cats adjusted EBITDA was $287M, up $43M or 18% year-over-year. Q2 non-cat loss ratio was ~35% (excluding prior period reserve development). Tracked loans in lender-placed grew 9% to over 34 million (driven by the Freedom Mortgage partnership). Year-to-date housing adjusted EBITDA grew 7% excluding cats, with underlying YTD growth in housing in the double digits when excluding prior-year reserve development.
Global Automotive momentum and loss improvement
Global Automotive adjusted EBITDA increased 6% (Q2, +$4M) with year-to-date adjusted EBITDA up ~15%. Growth driven by expansion of global partnerships (notably in Latin America and Europe), improving loss experience and a long-term renewal with a large automotive client.
Expanded partnerships, client wins and product expansion
Notable new and expanded relationships include Freedom Mortgage (lender-placed, ~2.6M loans), expanded work with T-Mobile and UScellular (migration and reverse logistics co-located facility), wins with Telstra, Best Buy and Chase Card Services, and Cover360 now serving 7 of the top 10 property management companies.
Increased 2026 outlook and strong underlying growth expectations
Raised full-year outlook: now expect full-year adjusted EBITDA and adjusted EPS to grow mid-single digits excluding cats. Excluding lower favorable prior-year reserve development, management expects ~10% underlying growth for both metrics and sees Global Lifestyle leading with low double-digit growth.
Healthy capital position and shareholder returns
Holding-company liquidity of $911M at quarter end. Returned $123M to shareholders in the quarter ($75M repurchases, $48M dividends). Year-to-date repurchases of $230M through July 31; repurchase guidance raised toward the upper end of the $300M–$350M range.
Multi-year track record of profitable growth
Since 2020 Assurant has delivered an 11% CAGR in adjusted EBITDA and a 17% CAGR in adjusted EPS (both excluding catastrophes), underscoring multi-year durable growth.
Operational and technology investments paying off
Targeted investments in data, automation and AI are cited as improving speed, decision-making and client/customer experience. Scale and program optimization (e.g., reverse logistics, financial services) have driven margin improvement as programs mature.
MX:AIZ Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed