AI
AIZ
Sep 30, 2025
Quarter ended Sep 30, 2025 · FY2025 Q3

Assurant, Inc. stock research

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

Revenue was stable compared to the prior quarter and higher than the same quarter last year. Operating cash flow and free cash flow improved significantly from the prior quarter and were also higher than the year-ago period, leading to a stronger free cash flow margin.

Free cash flow takeaway

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

Revenue was stable compared to the prior quarter and higher than the same quarter last year. Operating cash flow and free cash flow improved significantly from the prior quarter and were also higher than the year-ago period, leading to a stronger free cash flow margin.

  • Operating cash flow converted into free cash flow after capital expenditure, resulting in a free cash flow margin that was higher than both the prior quarter and the year-ago quarter. The margin improvement was driven by operating cash flow rising more than capital expenditure relative to revenue.
  • Compared to the prior quarter, operating cash flow and free cash flow were substantially higher, while revenue was stable. Versus the same quarter last year, all metrics were higher, with operating cash flow and free cash flow showing the largest relative improvement.

FCF snapshot

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

TTM free cash flow

$1.0B

Trailing twelve-month free cash flow.

Quarter free cash flow

$442.1M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$505.0M

Cash generated by operations before capital spending.

CapEx

$62.9M

Capital spending and related asset purchases.

FCF margin

13.7%

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
2024-12-31$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%
2025-09-30$3.2B$505.0M$62.9M$442.1M13.7%

Cash conversion quality

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

FCF / net income166.5%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.

Supportive

Operating Cash Flow Strength

Operating cash flow was the strongest observable driver, rising sharply from the prior quarter and exceeding the year-ago level. This directly lifted free cash flow and the margin.

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

What the cash flow says

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

Operating cash flow converted into free cash flow after capital expenditure, resulting in a free cash flow margin that was higher than both the prior quarter and the year-ago quarter. The margin improvement was driven by operating cash flow rising more than capital expenditure relative to revenue.

Compared to the prior quarter, operating cash flow and free cash flow were substantially higher, while revenue was stable. Versus the same quarter last year, all metrics were higher, with operating cash flow and free cash flow showing the largest relative improvement.

Monitor the trend in capital expenditure, as it was higher in the current quarter compared to both the prior quarter and the year-ago quarter.