Assurant Inc

Assurant Inc maintains a debt-to-equity ratio of 0.42, indicating a relatively conservative capital structure with a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with $1.28 billion in cash and equivalents but $2.08 billion in long-term debt, resulting in a net cash position that is negative after subtracting total debt. Free cash flow of $196.4 million suggests the company generates sufficient cash to support operations and potentially fund dividends or share repurchases.

Profitability metrics show a return on equity (ROE) of 4.8% and a return on assets (ROA) of 0.71%, both of which are below the industry median for Property & Casualty Insurance firms. This suggests that Assurant Inc is underperforming its peers in terms of capital efficiency and asset utilization. Operating income of $319.7 million and net income of $236.4 million indicate a healthy profit margin, but the ROE and ROA figures suggest that the company is not leveraging its equity and assets as effectively as its competitors.

The company's revenue is concentrated in its insurance and warranty segments, with no disclosed geographic breakdown. This lack of geographic diversification could expose the company to regional economic downturns or regulatory changes that disproportionately affect its primary markets. No specific segment performance data is available to assess the contribution of each business line to overall profitability.

Assurant Inc's growth trajectory is not clearly defined in the available data, as no specific revenue growth rates or future projections are provided. The company's operating cash flow of $82.5 million and capital expenditures of -$50.8 million suggest a net outflow of cash for investment in operations, but the absence of forward-looking guidance makes it difficult to assess the company's growth potential. Analysts have assigned a mean price target of $260.00, indicating a potential upside from the current market price of $19.44.

The company's risk profile includes a medium liquidity risk and an unknown dilution risk due to the absence of basic and diluted share counts in the data. The negative net cash position after subtracting total debt raises concerns about the company's ability to meet short-term obligations without additional financing. No specific dilution sources are identified, but the lack of share count data prevents a more detailed assessment of potential equity dilution.

Recent events and filings are not detailed in the available data, so no specific information can be provided on recent corporate actions, earnings calls, or regulatory developments that may impact the company's performance. The absence of recent transcript data or 10-K filings limits the ability to assess management's strategic direction or operational challenges.

Operating income +12,6% YoY; Net income +11,9% YoY.

• ▍Operating income +12,6% YoY
• ▍Net income +11,9% YoY
• ▍Free cash flow +13,4% YoY

Operating income +101,5% YoY; Net income +98,5% YoY.

• ▍Operating income +101,5% YoY
• ▍Net income +98,5% YoY
• ▍Free cash flow +90,2% YoY

Operating income +21,6% YoY; Net income +24,7% YoY.

• ▍Operating income +21,6% YoY
• ▍Net income +24,7% YoY
• ▍Free cash flow +19,8% YoY

Operating income −34,2% YoY; Net income −38,0% YoY.

• ▍Operating income −34,2% YoY
• ▍Net income −38,0% YoY
• ▍Free cash flow −55,5% YoY

Operating income $276.8M.

• ▍Operating income $276.8M

Operating income $178.2M.

• ▍Operating income $178.2M

Operating income $259.6M.

• ▍Operating income $259.6M

Operating income $319.7M.

• ▍Operating income $319.7M

Operating income +15,7% YoY; Net income +14,8% YoY.

• ▍Operating income +15,7% YoY
• ▍Net income +14,8% YoY
• ▍Free cash flow +21,0% YoY

Operating income +13,1% YoY; Net income +18,3% YoY.

• ▍Operating income +13,1% YoY
• ▍Net income +18,3% YoY
• ▍Free cash flow +25,3% YoY

Operating income +99,7% YoY; Net income +132,3% YoY.

• ▍Operating income +99,7% YoY
• ▍Net income +132,3% YoY
• ▍Free cash flow +296,5% YoY

Operating income −48,1% YoY; Net income −79,7% YoY.

• ▍Operating income −48,1% YoY
• ▍Net income −79,7% YoY
• ▍Free cash flow −70,9% YoY