AIZ
ASSURANT, INC.Evidence as of 2026-10-02The desk's Snapshot
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Overview · ASSURANT, INC.
Assurant, Inc., together with its subsidiaries, provides business services that supports, protects, and connects consumer purchases in North America, Latin America, Europe, and the Asia Pacific. The company operates through two segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, and extended service products and related services for consumer electronics and appl…
Management team
- Mr. Robert A. Lonergan · Executive VP and Chief Marketing & Risk OfficerFind on LinkedIn
- Ms. Stacie Sherer · Vice President of Corporate CommunicationsFind on LinkedIn
- Ms. Francesca L. Luthi · Executive VP & COOFind on LinkedIn
- Mr. Jay E. Rosenblum · Executive VP & Chief Legal OfficerFind on LinkedIn
Start free to see the full management team.
Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it, not a rating or a recommendation.
−0.2 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled. The rest of the page is the evidence behind it.
The evidence balance is Mixed ( -0.2 of a possible +2; was -0.2 before debate) with high confidence. Revenues were reported at $ 3,454,200,000 for fiscal quarter ended 2026-07-31 and $ 3,420,100,000 for fiscal quarter ended 2026-05-01, while diluted EPS rose to $ 5.95 in the fiscal quarter ended 2026-07-31 from $ 5.41 in the fiscal quarter ended 2026-05-01 and $ 4.56 in the fiscal quarter ended 2025-08-01, showing a multi-quarter rise in reported EPS. Net income for the fiscal quarter ended 2026-07-31 was $ 299,860,000, common shares outstanding fell from 50,702,324 as of 2025-05-02 to 49,323,767 as of 2026-07-31, and the valuation model implies an FCF growth rate of 5.29%, with price-to-FFCF at 17.13 and trailing twelve‑month free cash flow of $ 774,500,000.
The filings disclose concentration and strategic risks: the 10-K filed 19 Feb 2026 notes that Global Lifestyle and Global Housing segments derive a substantial portion of revenues from a few clients; goodwill was 45% of total equity as of December 31, 2025; fixed maturity securities were about 85% of investments with roughly 6% below-investment-grade; and management emphasized technology and AI as a material strategic focus while flagging evolving AI regulation and third‑party/vendor dependencies.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else (no outside knowledge, no browsing), so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC (revenue, margins, income, debt and share count, quarter by quarter) and reports which way the trend is running.
Revenues reported were $3,454,200,000 for fiscal Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0001267238-26-000041Revenues reported were $3,420,100,000 for fiscal Q1 2026 (2026-01-01 to 2026-03-31, 3mo).
XBRL companyfacts · 0001267238-26-000027Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full: its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet; its risk analysis fills in once that lands.
In the 10-K filed 19 Feb 2026, the company added language noting that each of its Global Lifestyle and Global Housing segments receives a substantial portion of revenues from a few clients and that a reduction in business with or the loss of one or more significant clients "could have a material adverse effect on the results of operations and cash flows of individual segments or the Company."
10-K filed 2026-02-19In the 10-K filed 19 Feb 2026, management described technology and AI as a material strategic focus and risk, stating: "Our strategy is focused on delivering long-term profitable growth. As part of our strategy, we are developing new and innovative products and services and enhancing existing offerings. We are investing in technology and digital capabilities, including AI and our Innovation and Device Care Center..."
10-K filed 2026-02-19Reads the signal panel above (momentum, volatility, drawdown, relative strength and beta) and ranks each against the whole research universe rather than judging it in isolation.
No computed signal history for this symbol yet — signals need roughly 70 trading days of price history.
Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
Institutional 13F-reported holdings total "$11.82B" as of 2026-06-30, with 616 holders and a holder count increase of 74 from the prior reported quarter; the report shows a quarter-over-quarter value change of 32.5%.
13F holdings · 616 filers · as of 2026-06-30The top 13F-reported institutional holders listed are BlackRock, Inc. ($1.35B), Bank of New York Mellon Corp ($1.27B), VANGUARD CAPITAL MANAGEMENT LLC ($869.2M), VANGUARD PORTFOLIO MANAGEMENT LLC ($761.6M), and STATE STREET CORP ($682.6M).
13F holdings · 616 filers · as of 2026-06-30Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Multiple outlets ran headlines noting the stock has gained 20.1% over the past year.
News · zacks.com · 2026-10-01Coverage highlights Assurant's launch of a Financial Services Ecosystem Protection product in Chile, described as adding payment, purchase, fraud and vehicle financing protections.
News · finance.yahoo.com · 2026-09-30Reads parsed Forms 3/4/5: who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
The Form 4 filed 15 September 2026 reports a code G transaction by Demmings Keith (President & CEO) for 3,500 shares with reported value "$0" and no trading plan indicated in the filing.
Form 4 · Demmings Keith (President & CEO) · $0 code G · 2026-09-15Moneyta's parsed summary for the 180-day window shows total bought "$0", total sold "$0", net_shares "0", and distinct_buyers 0.
Form 4 · Demmings Keith (President & CEO) · $0 code G · 2026-09-15Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The valuation model shows the FCF growth rate that today's price would justify is 5.29% (implied_growth = 0.0529).
Valuation inputs · SEC XBRL + stored EOD closePrice-to-FFCF (price to free cash flow, trailing twelve months) is 17.13.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score. The argument is shown, not hidden, so you can judge the reasoning yourself.
The evidence shows a sequence of improving core operating outcomes: two consecutive quarterly revenue prints above $3.4B (fundamentals-0, fundamentals-1) alongside rising diluted EPS to $5.95 in Q2 2026 from prior quarters (fundamentals-2, fundamentals-3) and a single-quarter net income increase to ~$300M (fundamentals-4). Share count has declined over the interval cited (fundamentals-5), which mechanically supports per-share metrics. Institutional ownership metrics (ownership-0, ownership-1) show meaningful 13F-reported holdings and large-name holders, and multiple outlets cover product expansion into Chile as part of an ecosystem strategy (news-1, news-2, news-4), consistent with the company’s stated investment in technology and AI (filings-1). Valuation and cash-flow metrics (valuation-0, valuation-1, valuation-2, valuation-3) present context that current price embeds a modest implied FCF growth and mid-teens to low double-digit multiples, which, combined with the above, support a favorable read based on the provided data.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.32
28 surviving claims rest on 14 distinct sources; the heaviest analyst carries 21% of them, and 98% of what the desk raised survived the debate.
The surviving evidence rests on a moderate number of distinct sources but a non-trivial share of claims comes from a single analyst — so the read is reasonably supported yet somewhat sensitive to that analyst’s inputs or interpretation. The very high survival rate through the desk debate indicates the claims were rarely overturned, which raises confidence in internal consistency but also means the package could be brittle if one of the core documents or that heavy analyst’s inputs were shown to be flawed.
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment. When the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here (no outside knowledge, no browsing), and each card shows who read it and what it contributed to the score.
14 filings· 3 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data, not retyped or estimated.
Read by Mercer+1.2 to the score
5 documents· 3 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes−0.7 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.5 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 filing
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state, with stated and inferred flags kept apart.
Read by Talbot+0.0 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only; it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal; the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
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The real figures are for members. Educational analysis, not advice.
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