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Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Mark Hughes | Truist Securities | 28 questions · 0% challenging |
| Charles Lederer | BMO Capital Markets | 14 questions · 21% challenging |
| Jeff Schmitt | William Blair | 12 questions · 17% challenging |
| Thomas McJoynt-Griffith | KBW | 11 questions · 0% challenging |
| John Barnidge | Piper Sandler | 7 questions · 0% challenging |
| Dan Lakpano | Dowling & Partners | 4 questions · 0% challenging |
| James Chmiel | Piper Sandler | 2 questions · 0% challenging |
| Brian Meredith | UBS | 2 questions · 50% challenging |
| Bob Huang | Morgan Stanley | 2 questions · 0% challenging |
| Jim Koehne | Morgan Stanley | 2 questions · 0% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Truist Securities | 1 analyst | 28 questions · 0% challenging |
| BMO Capital Markets | 1 analyst | 14 questions · 21% challenging |
| KBW | 2 analysts | 13 questions · 0% challenging |
| William Blair | 1 analyst | 12 questions · 17% challenging |
| Piper Sandler | 2 analysts | 9 questions · 0% challenging |
| Morgan Stanley | 2 analysts | 4 questions · 0% challenging |
| Dowling & Partners | 1 analyst | 4 questions · 0% challenging |
| UBS | 1 analyst | 2 questions · 50% challenging |
Assurant delivered its strongest first quarter on record, with total revenue up 11% and adjusted EBITDA up 6% and adjusted EPS up 9%, both excluding reportable catastrophes. Global Lifestyle led the quarter with adjusted EBITDA up 20%, split between 18% growth in Connected Living on client expansion and the T-Mobile/U.S. Cellular subscriber migration, and 23% growth in Global Automotive (9% excluding a $10 million real estate gain) as prior rate actions and claims process changes improved loss experience. Global Housing underlying results were level year-over-year, held back by $94 million less favorable prior year reserve development, though the 2026 cat reinsurance placement came in at roughly $180 million versus $200 million in 2025. Management raised the full-year outlook to low single-digit growth in adjusted EBITDA and EPS excluding cats, lifted the Lifestyle growth outlook to approximately 10%, and took the buyback range to the high end at $300 million to $350 million.
Margin | Competitive Dynamics | Revenue Growth | Cost Pressure | Demand | Product Launch | Capex Investment | Innovation & R&D | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 2 | 2 | 1 | 2 | 2 | |||
| 2025Q1 | 2 | 1 | 3 | 3 | 1 | 1 | ||
| 2025Q2 | 4 | 2 | 1 | 3 | 2 | |||
| 2025Q3 | 3 | 3 | 4 | 2 | 3 | 2 | 2 | 2 |
| 2025Q4 | 6 | 4 | 8 | 2 | 2 | 3 | 3 | 4 |
| 2026Q1 | 3 | 6 | 4 | 2 | 1 | 2 | 1 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Margin | 2 | 2 | 4 | 3 | 6 | 3 |
| Competitive Dynamics | 2 | 1 | 2 | 3 | 4 | 6 |
| Revenue Growth | 1 | 1 | 4 | 8 | 4 | |
| Cost Pressure | 2 | 3 | 3 | 2 | 2 | 2 |
| Demand | 2 | 3 | 2 | 3 | 2 | 1 |
| Product Launch | 1 | 2 | 3 | 2 | ||
| Capex Investment | 1 | 2 | 3 | 1 | ||
| Innovation & R&D | 2 | 4 | 1 |
Calendar quarter Q1 2026Earnings call May 6, 2026
FY2026 Q1 in brief
Assurant delivered its strongest first quarter on record, with total revenue up 11% and adjusted EBITDA up 6% and adjusted EPS up 9%, both excluding reportable catastrophes.
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
Sources. Tellvest earnings-call sentiment score for Assurant (AIZ), FY2026 Q1: 8/10. Scores: Assurant’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: AIZ daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
GAAP revenue YoY +11.3% → base 7. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
What AIZ said about other companies on its FY2026 Q1 call, and what other companies said about AIZ on their calls covering the same calendar quarter (Q1 2026). Each company's own fiscal quarter is shown next to its name. Extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“the launch of our new long-term relationship with Compass International Holdings spanning 6 U.S. real estate brands continues to progress well.”
Assurant's new home-warranty partnership with Compass International Holdings across six U.S. real estate brands is ramping, a distribution win for its Home Warranty business.
“We've launched programs internationally with clients like Telstra.”
Assurant launched international device-protection programs with Australian carrier Telstra, expanding its global carrier footprint.
“we have clients like Best Buy and Lowe's where we do a tremendous amount of appliance and all the related services in the home”
Assurant serves Lowe's with appliance and related in-home service programs, underscoring an established retail warranty relationship.
“we also have our financial services business performing well with the addition of Chase and other marquee clients.”
Assurant added Chase (JPMorgan) as a financial-services client, contributing to growth in that segment.
“the recent launch of our partnership with Best Buy”
Assurant recently launched an extended-service-contract partnership with Best Buy, adding a new retail protection channel.
“And then with AT&T, we do a lot of work around the supply chain, historically, a big trade-in partner for us.”
Assurant provides supply-chain and trade-in services to AT&T, indicating an established device-lifecycle relationship with the carrier.
“This collaboration represents our third prepaid brand with Verizon, and further strengthens our footprint with this major carrier.”
Assurant launched Straight Talk Protect, its third prepaid protection brand with Verizon, deepening a growing partnership across Verizon's prepaid portfolio.
“we recently expanded our partnership with Xfinity Mobile through a new rate plan that includes lifetime device protection for phones, tablets and watches, and includes a benefit that allows customers to receive a phone upgrade anytime.”
Assurant expanded its device-protection partnership with Comcast's Xfinity Mobile via a new bundled rate plan, a positive sign for Xfinity Mobile's subscriber offering.
“including T-Mobile's conversion of U.S. Cellular to Assurant.”
U.S. Cellular's mobile subscriber base was converted to Assurant following its acquisition by T-Mobile, reflecting the wind-down of U.S. Cellular as a standalone carrier.
“we deepened our relationship following T-Mobile's acquisition of U.S. Cellular, successfully migrating another large in-force mobile subscriber base and contributing to an increase in our total devices protected that now stands at nearly 69 million devices globally.”
Assurant deepened its device-protection partnership with T-Mobile and migrated the U.S. Cellular in-force base onto its platform, a positive read on T-Mobile's post-acquisition integration and Assurant's carrier entanglement.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Net margin |
|---|---|---|---|---|---|
| FY2024 Q4 | $3.10B | +4.1% | $3.87 | +13.2% | 6.5% |
| FY2025 Q1 | $3.07B | +6.7% | $2.83 | -36.7% | 4.8% |
| FY2025 Q2 | $3.16B | +8.0% | $4.56 | +27.4% | 7.4% |
| FY2025 Q3 | $3.23B | +8.9% | $5.17 | +102.7% | 8.2% |
| FY2025 Q4 | $3.35B | +7.9% | $4.41 | +14.0% | 6.7% |
| FY2026 Q1Selected | $3.42B | +11.3% | $5.41 | +91.2% | 8.0% |
| FY2026 Q2 | $3.45B | +9.4% | $5.95 | +30.5% | 8.6% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
| Company | Score | Trend | Rev YoY | Headline |
|---|---|---|---|---|
| AIZAssurant | 8 | +11.3% | Assurant delivered its strongest first quarter on record, with total revenue up 11% and adjusted EBITDA up 6% and adjusted EPS up 9%, both excluding reportable catastrophes | |
| ALLAllstate | 7 | +4.2% | Allstate delivered Q1 revenue of $16.9 billion up 3% with adjusted EPS of $10.65 as the underlying combined ratio improved 2.8 points to 80.3% and the recorded combined ratio reached 82% with underwriting income of $2.7 billion | |
| CBChubb Limited | 7 | +9.5% | Excellent P&C underwriting at 84% combined ratio | |
| CINFCincinnati Financial | 7 | +11.6% | Non-GAAP operating income surges to $330M from Q1 loss | |
| KMPRKemper Corporation | 2 | -6.8% | California Personal Auto Remains Primary Headwind | |
| LLoews Corporation | 5 | +2.6% | CNA reserve charge and higher underlying loss ratio drive earnings decline | |
| LMNDLemonade, Inc. | 9 | +55.0% | Lemonade extended its growth acceleration streak to 10 consecutive quarters with IFP reaching $1.33 billion (+32% YoY), while the QS reinsurance transition propelled revenue up 71% to $258 million and gross profit up 159% to $100 million | |
| MCYMercury General Corporation | 8 | +10.5% | Mercury General's Q1 2026 demonstrated the underlying strength of the franchise with a combined ratio of 89.3% and net income of $190 million ($3.44 per share), a dramatic reversal from the prior-year Q1 net loss of $108 million during the wildfire catastrophe | |
| PGRProgressive Corporation | 7 | +8.7% | Progressive delivered 8.7% revenue growth with extraordinary profitability, maintaining personal auto combined ratios below 90 in nine of the last ten quarters | |
| ROOTRoot, Inc. | 8 | +12.6% | Root delivered its most profitable quarter ever with $36 million in net income and an annualized ROE of 47%, reversing the prior quarter's expectation of lower 2026 net income | |
| TRVThe Travelers Companies, Inc. | 5 | +1.0% | Travelers delivered record underwriting income with a core ROE of 19.7%, generating $1.7 billion in core income as the combined ratio remained excellent at 88.6% despite elevated catastrophe activity | |
| WRBW. R. Berkley Corporation | 6 | +4.0% | Record Net Investment Income Drives Earnings Growth |
Assurant delivered its strongest first quarter on record, with total revenue up 11% and adjusted EBITDA up 6% and adjusted EPS up 9%, both excluding reportable catastrophes
Allstate delivered Q1 revenue of $16.9 billion up 3% with adjusted EPS of $10.65 as the underlying combined ratio improved 2.8 points to 80.3% and the recorded combined ratio reached 82% with underwriting income of $2.7 billion
Non-GAAP operating income surges to $330M from Q1 loss
| Company | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|---|
| AIZ | 8 | 7 | 7 | 8 | 7 | 8 |
| ALL | 8 | 6 | 7 | 7 | 6 | 7 |
| CB | 6 | 5 | 7 | 8 | 7 | 7 |
| CINF | 9 | 6 | 8 | 8 | 6 | 7 |
| KMPR | 6 | 7 | 5 | 5 | 3 | 2 |
| L | 7 | 5 | 6 | 7 | 7 | 5 |
| LMND | 9 | 8 | 9 | 9 | 9 | 9 |
| MCY | 6 | 6 | 8 | 7 | 7 | 8 |
| PGR | 8 | 8 | 9 | 7 | 7 | 7 |
| ROOT | 9 | 9 | 9 | 7 | 7 | 8 |
| TRV | 8 | 7 | 8 | 8 | 7 | 5 |
| WRB | 9 | 6 | 6 | 7 | 4 | 6 |
CNA reserve charge and higher underlying loss ratio drive earnings decline
Lemonade extended its growth acceleration streak to 10 consecutive quarters with IFP reaching $1.33 billion (+32% YoY), while the QS reinsurance transition propelled revenue up 71% to $258 million and gross profit up 159% to $100 million
Mercury General's Q1 2026 demonstrated the underlying strength of the franchise with a combined ratio of 89.3% and net income of $190 million ($3.44 per share), a dramatic reversal from the prior-year Q1 net loss of $108 million during the wildfire catastrophe
Progressive delivered 8.7% revenue growth with extraordinary profitability, maintaining personal auto combined ratios below 90 in nine of the last ten quarters
Root delivered its most profitable quarter ever with $36 million in net income and an annualized ROE of 47%, reversing the prior quarter's expectation of lower 2026 net income
Travelers delivered record underwriting income with a core ROE of 19.7%, generating $1.7 billion in core income as the combined ratio remained excellent at 88.6% despite elevated catastrophe activity
Record Net Investment Income Drives Earnings Growth