AI
AIZ
Dec 31, 2023
Quarter ended Dec 31, 2023 · FY2023 Q4

Assurant, Inc. stock research

Assurant (AIZ) Free Cash Flow — Quarter Ended Dec 31, 2023

Revenue, operating cash flow, and free cash flow all improved compared to both the prior quarter and the same quarter last year. The free cash flow margin strengthened sequentially and year-over-year.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Revenue, operating cash flow, and free cash flow all improved compared to both the prior quarter and the same quarter last year. The free cash flow margin strengthened sequentially and year-over-year.

  • Operating cash flow exceeded capital expenditure, producing positive free cash flow. The free cash flow margin rose as free cash flow grew faster than revenue.
  • Compared to the prior quarter, revenue, operating cash flow, capital expenditure, free cash flow, and free cash flow margin were all higher. Versus the same quarter one year earlier, all metrics were also higher.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$935.6M

Trailing twelve-month free cash flow.

Quarter free cash flow

$308.3M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$362.6M

Cash generated by operations before capital spending.

CapEx

$54.3M

Capital spending and related asset purchases.

FCF margin

10.3%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2023-03-31$2.6B$259.6M$48.4M$211.2M8.0%
2023-06-30$2.7B$185.4M$49.4M$136.0M5.0%
2023-09-30$2.8B$330.5M$50.4M$280.1M10.1%
2023-12-31$3.0B$362.6M$54.3M$308.3M10.3%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income168.9%Shows whether accounting earnings convert into cash.
CapEx / revenue1.8%Lower capital intensity usually supports FCF margin.
Net cashn/aCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Operating Cash Flow Growth

Operating cash flow increased from the prior quarter and from the same quarter last year, driving the improvement in free cash flow. This was the strongest observable driver among the supplied metrics.

Higher operating cash flow directly lifted free cash flow and the free cash flow margin.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Operating cash flow exceeded capital expenditure, producing positive free cash flow. The free cash flow margin rose as free cash flow grew faster than revenue.

Compared to the prior quarter, revenue, operating cash flow, capital expenditure, free cash flow, and free cash flow margin were all higher. Versus the same quarter one year earlier, all metrics were also higher.

Monitor whether operating cash flow can sustain its sequential growth rate.