AI
AIZ
Jun 30, 2025
Quarter ended Jun 30, 2025 · FY2025 Q2

Assurant, Inc. stock research

Assurant (AIZ) Free Cash Flow — Quarter Ended Jun 30, 2025

Revenue increased from both the prior quarter and the same quarter last year. Operating cash flow and free cash flow were lower than both comparison periods, resulting in a weakened free cash flow margin.

Free cash flow takeaway

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

Revenue increased from both the prior quarter and the same quarter last year. Operating cash flow and free cash flow were lower than both comparison periods, resulting in a weakened free cash flow margin.

  • Revenue rose while operating cash flow declined, causing free cash flow to fall and the free cash flow margin to contract. Capital expenditure was higher than both the prior quarter and the year-ago quarter.
  • Compared to the immediately preceding quarter, revenue was higher but operating cash flow, free cash flow, and free cash flow margin were all lower. Versus the same quarter one year earlier, revenue was higher while operating cash flow, free cash flow, and free cash flow margin were substantially lower.

FCF snapshot

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

TTM free cash flow

$968.8M

Trailing twelve-month free cash flow.

Quarter free cash flow

$205.6M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$265.5M

Cash generated by operations before capital spending.

CapEx

$59.9M

Capital spending and related asset purchases.

FCF margin

6.5%

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
2024-09-30$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%
2025-06-30$3.2B$265.5M$59.9M$205.6M6.5%

Cash conversion quality

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

FCF / net income87.4%Shows whether accounting earnings convert into cash.
CapEx / revenue1.9%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.

Watch

Cash Flow Conversion Pressure

Revenue increased from both comparison periods, yet operating cash flow declined, indicating that a larger share of revenue was not converted into cash from operations. The free cash flow margin dropped to a level below both the prior quarter and the year-ago quarter.

The lower cash conversion efficiency reduced free cash flow despite higher revenue, making cash generation the key metric to watch.

What the cash flow says

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

Revenue rose while operating cash flow declined, causing free cash flow to fall and the free cash flow margin to contract. Capital expenditure was higher than both the prior quarter and the year-ago quarter.

Compared to the immediately preceding quarter, revenue was higher but operating cash flow, free cash flow, and free cash flow margin were all lower. Versus the same quarter one year earlier, revenue was higher while operating cash flow, free cash flow, and free cash flow margin were substantially lower.

Monitor the trend in operating cash flow relative to revenue, as cash conversion weakened despite higher top-line growth.

AIZ Free Cash Flow — Quarter Ended Jun 30, 2025