--- canonical_url: https://www.stockexpertai.com/earnings/aiz last_updated: 2026-05-09T16:01:55.863Z --- # Assurant, Inc. (AIZ) Q1 FY2027 Earnings Preview > This content was automatically generated with FMP live data + Q1 FY2026 earnings call transcript. Generated: 2026-05-09T16:01:55.406Z. Educational tool, not investment advice. --- ## Quick Summary | Field | Value | Source | |---|---|---| | Price | $239.67 (▲ 2.51%) | fmp:quote | | Market Cap | $11.9B | fmp:profile | | 52w range | $183.39 – $246.31 | fmp:quote | | Earnings | Tue 4 Aug | fmp:earnings-history | | EPS estimate | $5.21 (-6% YoY) | fmp:earnings-estimate | | Revenue estimate | $3.4B | fmp:earnings-estimate | | Beat streak | 8/4 | fmp:earnings-history | | Rating | A (overall 4/5) | fmp:ratings | | Analyst median target | $248 (+3.5% upside) | fmp:price-target-consensus | | MoonshotScore | 60/100 | derived | | Council | 3/6 bullish | derived | | Munger verdict | Fairly Valued | derived | ## Assurant, Inc. — Q1 FY2027 Expectations Q1 consensus: revenue $3.4B^{[FMP est]}, EPS $5.21^{[FMP est]}. 8 consecutive quarters of beat^{[FMP earnings]}. ## Quick Take **Score:** A · **Stance:** HOLD · **Council:** 3/6 · **Moonshot:** 60 = MoonshotScore 60^{[9-pillar formula]} + Council 3/6^{[6-lens rule]}. Form 4: 0 transactions^{[FMP Form 4]}. ## Watchlist (6 metrics) ### 1. Lifestyle Growth Outlook Assurant is increasing its outlook for Lifestyle growth to approximately 10%, reflecting strong first quarter results. > "We're increasing our outlook for Lifestyle and now expect growth of approximately 10%, reflecting our strong first quarter results." > — Keith Meier, CFO, Expectation / Guide · Q1 FY2026 ### 2. Cat Reinsurance Premiums In terms of costs, our 2026 catastrophe reinsurance premiums are estimated to be approximately $180 million, compared to approximately $200 million in 2025. > "In terms of costs, our 2026 catastrophe reinsurance premiums are estimated to be approximately $180 million, compared to approximately $200 million in 2025." > — Keith Meier, CFO, Investor Focus · Q1 FY2026 ### 3. Connected Living Growth Connected Living results for the year will benefit from continued optimization of new programs, expansion with existing clients and contributions from recently announced new programs and capabilities, demonstrating the returns we've achieved through previous investments. > "Connected Living results for the year will benefit from continued optimization of new programs, expansion with existing clients and contributions from recently announced new programs and capabilities, demonstrating the returns we've achieved through previous investments." > — Keith Meier, CFO, Investor Focus · Q1 FY2026 ### 4. Share Repurchase Increase For 2026, Assurant now expects share repurchases of $300 million to $350 million, which is at the high end of our initial range from the beginning of the year and is subject to M&A and other market conditions. > "For 2026, we now expect share repurchases of $300 million to $350 million, which is at the high end of our initial range from the beginning of the year and is subject to M&A and other market conditions." > — Keith Meier, CFO, Investor Focus · Q1 FY2026 ### 5. Global Auto Growth Global Auto is expected to grow from higher investment income, continued loss improvement and growth of global partnerships. > "Global Auto is expected to grow from higher investment income, continued loss improvement and growth of global partnerships." > — Keith Meier, CFO, Investor Focus · Q1 FY2026 ### 6. Housing Earnings Outlook Assurant now expects Global Housing earnings to decline only modestly excluding cats, absent prior year development. > "Our outlook has improved, and we now expect earnings to decline only modestly excluding cats." > — Keith Meier, CFO, Expectation / Guide · Q1 FY2026 ## MoonshotScore Pillars | Pillar | Score | Level | Evidence | |---|---|---|---| | Revenue Growth | 4.0 | medium | Q1 vs Q2: healthy growth (+8.3%) | | Gross Margin | 8.0 | strong | Q1: very high margin (77.5%, software/cloud territory) | | Operating Leverage | 1.0 | weak | op margin average (9.8%) | | Cash Runway | 10.0 | strong | FCF very strong ($0.2B, 4.0× CapEx) | | R&D Intensity | 3.0 | weak | low R&D investment (0.0%, weak innovation) | | Price Momentum | 7.0 | strong | RSI 63.8 positive momentum, 50d above | | News Sentiment | 9.0 | strong | strong buy consensus (86%) | **Formula:** sum(pillar.score) / (count * 10) * 100. Each pillar deterministic from FMP. Source maps in pillar.formula. ## Council (7-Lens) | Name | Stance | Context | |---|---|---| | Ray Dalio | bull | macro · target upside +3.5% | | Ken Griffin | bull | flow · 50d MA above | | Jim Simons | neutral | quant · RSI 64 | | Klarman | neutral | value · target upside +3.5% | | Buffett | bull | quality · ROE score 5/5 | | Munger | neutral | valuation · target upside +3.5% | **Formula:** Each lens uses deterministic rule on bundle data. Logged in member.contextTr. ## Munger Lens - **Verdict:** Fairly Valued - **Financial Health:** Strong - **Margin of Safety:** Weak - **Interest Coverage:** Adequate - **ROIC vs WACC:** Healthy **Formula:** verdict=upside>25?Undervalued:>0?Fairly Valued:Overvalued. Each lens deterministic from FMP ratings + priceTarget. ## Technical Levels - **RSI(14):** 63.8 — yükselişte nötr — overbought sınırının altında, momentum pozitif - **50d MA:** $224 — hisse %6.9 üstünde — kısa vadeli destek - **200d MA:** $222 — hisse %8.2 üstünde — uzun vadeli destek - **Volume (10d):** -10% ## Past Performance (4 Quarters) | Quarter | EPS Actual | EPS Estimate | Result | Reaction | |---|---|---|---|---| | Q2 FY25 | $5.56 | $4.43 | BEAT | +11.2% | | Q3 FY25 | $5.73 | $4.39 | BEAT | +1.7% | | Q4 FY25 | $5.61 | $5.55 | BEAT | -8.6% | | Q1 FY26 | $5.95 | $5.29 | +12.5% EPS | -0.2% | Q1 (May 6, 2026): EPS $5.95 vs $5.29 est^[FMP], +12.5% beat. D+1 movement: -0.2%^{[FMP D+1]}. Decline despite beat — market reacted to guidance, not numbers. ## 3 Scenarios ### Scenario A · Beat **Q1 EPS > $5.21 + CapEx discipline** Threshold: EPS > $5.21^{[FMP est]}. Target: Break above median target $248^{[FMP target]}; high target $264^[FMP] upper bound. ### Scenario B · In-Line **EPS ≈ $5.21 + CapEx < $47.7M** Threshold: EPS ≈ $5.21^{[FMP est]}, Q1 CapEx < $47.7M^[FMP]. Target: Consolidation in the band between current $240^[FMP] and median $248^[FMP]. ### Scenario C · Miss **EPS < $5.05 or CapEx ≥ $47.7M** Threshold: EPS < $5.05^{[FMP est×0.97]}. Target: Current $240 below SMA200 $222^[FMP], if rejection continues, $188^[derived] support activates. ## Risk Notes ### Primary segment below threshold Q1: EPS $5.95 vs $5.29 beat^[FMP], stock -0.2% D+1^[FMP]. ### Backlog concentration No RPO/backlog concentration disclosed in Q1 earnings call. ### Insider trading Form 4 data is marked in the table — this page does not generate assumptions for this stock. | Executive | Action | Amount | Date | |---|---|---|---| **Net:** — (0 transactions · 0 sells · 0 buys) · Q1 FY26 ### CapEx shock Q1 CapEx $47.7M^{[FMP cashflow]}. Q1 op margin 9.8%^{[FMP op margin]} — this level in Q1 is sensitive to CapEx revision risk. ## Wall Street Consensus - **Median target:** $248 (+3.5% upside vs current $240) - **High / Low:** $264 / $246 - **Buy / Hold / Sell:** 6 / 1 / 0 - **Analyst count:** 1 (last quarter), 10 all-time ## Additional Transcript Insights ### 1. lifestyle_growth_outlook **Claim:** Assurant is increasing its outlook for Lifestyle growth to approximately 10%, reflecting strong first quarter results. **Evidence (transcript):** "We're increasing our outlook for Lifestyle and now expect growth of approximately 10%, reflecting our strong first quarter results." **Numbers:** 10% ### 2. connected_living_growth **Claim:** Connected Living results for the year will benefit from continued optimization of new programs, expansion with existing clients and contributions from recently announced new programs and capabilities, demonstrating the returns we've achieved through previous investments. **Evidence (transcript):** "Connected Living results for the year will benefit from continued optimization of new programs, expansion with existing clients and contributions from recently announced new programs and capabilities, demonstrating the returns we've achieved through previous investments." **Numbers:** — ### 3. global_auto_growth **Claim:** Global Auto is expected to grow from higher investment income, continued loss improvement and growth of global partnerships. **Evidence (transcript):** "Global Auto is expected to grow from higher investment income, continued loss improvement and growth of global partnerships." **Numbers:** — ### 4. housing_earnings_outlook **Claim:** Assurant now expects Global Housing earnings to decline only modestly excluding cats, absent prior year development. **Evidence (transcript):** "Our outlook has improved, and we now expect earnings to decline only modestly excluding cats." **Numbers:** — ### 5. share_repurchase_increase **Claim:** For 2026, Assurant now expects share repurchases of $300 million to $350 million, which is at the high end of our initial range from the beginning of the year and is subject to M&A and other market conditions. **Evidence (transcript):** "For 2026, we now expect share repurchases of $300 million to $350 million, which is at the high end of our initial range from the beginning of the year and is subject to M&A and other market conditions." **Numbers:** $300 million, $350 million ### 6. cat_reinsurance_premiums **Claim:** In terms of costs, our 2026 catastrophe reinsurance premiums are estimated to be approximately $180 million, compared to approximately $200 million in 2025. **Evidence (transcript):** "In terms of costs, our 2026 catastrophe reinsurance premiums are estimated to be approximately $180 million, compared to approximately $200 million in 2025." **Numbers:** $180 million, $200 million, 2025 --- *Data source: FMP (live query, 2026-05-09), Q1 FY2026 earnings call transcript (Translated to EN with Gemini 2.0 Flash). Educational tool, not investment advice.*