AI
AIZ
Mar 31, 2025
Quarter ended Mar 31, 2025 · FY2025 Q1

Assurant, Inc. stock research

Assurant (AIZ) Free Cash Flow — Quarter Ended Mar 31, 2025

Operating cash flow and free cash flow improved significantly compared to both the prior quarter and the same quarter last year. The free cash flow margin strengthened notably, while revenue remained stable versus the prior quarter and increased from a year ago.

Free cash flow takeaway

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

Operating cash flow and free cash flow improved significantly compared to both the prior quarter and the same quarter last year. The free cash flow margin strengthened notably, while revenue remained stable versus the prior quarter and increased from a year ago.

  • Revenue was stable sequentially and higher year-over-year. Operating cash flow rose sharply versus both periods, and capital expenditure was lower than the prior quarter but slightly higher than a year ago. The resulting free cash flow and free cash flow margin both improved substantially.
  • Compared to the prior quarter, operating cash flow and free cash flow were much higher, while capital expenditure was lower. Versus the same quarter last year, operating cash flow and free cash flow were also much higher, with capital expenditure slightly higher. Revenue was unchanged from the prior quarter and higher than a year ago.

FCF snapshot

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

TTM free cash flow

$1.4B

Trailing twelve-month free cash flow.

Quarter free cash flow

$339.0M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$392.4M

Cash generated by operations before capital spending.

CapEx

$53.4M

Capital spending and related asset purchases.

FCF margin

11.0%

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
2024-06-30$2.9B$710.9M$55.4M$655.5M22.4%
2024-09-30$3.0B$436.5M$47.1M$389.4M13.1%
2024-12-31$3.1B$102.8M$68.0M$34.8M1.1%
2025-03-31$3.1B$392.4M$53.4M$339.0M11.0%

Cash conversion quality

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

FCF / net income231.2%Shows whether accounting earnings convert into cash.
CapEx / revenue1.7%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 Strength

Operating cash flow was substantially higher than both the prior quarter and the same quarter last year, driving a large increase in free cash flow despite a modest rise in capital expenditure year-over-year.

The improvement in operating cash flow was the primary factor behind the higher free cash flow and free cash flow margin this quarter.

What the cash flow says

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

Revenue was stable sequentially and higher year-over-year. Operating cash flow rose sharply versus both periods, and capital expenditure was lower than the prior quarter but slightly higher than a year ago. The resulting free cash flow and free cash flow margin both improved substantially.

Compared to the prior quarter, operating cash flow and free cash flow were much higher, while capital expenditure was lower. Versus the same quarter last year, operating cash flow and free cash flow were also much higher, with capital expenditure slightly higher. Revenue was unchanged from the prior quarter and higher than a year ago.

Monitor the level of capital expenditure relative to operating cash flow, as it was lower sequentially but slightly higher year-over-year.