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Assurant cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$620M in Q3 2026 · $1.8B over twelve months

Operating cash flow$686M
Capital spending−$65.6M
Free cash flow+$620M
Cash / net income2.5×

Analysis

In Q3 2026, Assurant generated $686M of operating cash flow and spent $65.6M on capital projects, leaving free cash flow of $620M. That is $178M more than in Q3 2025 ($442M).

Over the twelve months to Sep 30, 2026, operating cash flow was $2.1B; the largest uses were other investing ($1.2B), buybacks ($372M), capital spending ($218M); besides operations, cash came from asset & business sales ($1.4M); the cash balance rose by $65.3M.

Operating cash flow was $686M against net income of $275M — 2.5× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$67.7M, income taxes payable +$57.2M, deferred taxes +$46.2M.

Free cash flow

Assurant: free cash flow by quarterAssurant: free cash flow by quarter$34.8MQ4 2024$339MQ1 2025$206MQ2 2025$442MQ3 2025$612MQ4 2025$193MQ1 2026$409MQ2 2026$620MQ3 2026
Operating cash flow less capital spending.
Assurant: operating cash flow against capital spendingAssurant: operating cash flow against capital spendingOperating cash flowCapital spending$103M$68.0MQ4 2024$392M$53.4MQ1 2025$266M$59.9MQ2 2025$505M$62.9MQ3 2025$671M$59.3MQ4 2025$240M$47.7MQ1 2026$454M$45.2MQ2 2026$686M$65.6MQ3 2026
Latest (Q3 2026): Operating cash flow $686M, Capital spending $65.6M.

Capital allocation, year by year

Assurant: where the cash came from (up) and went (down), by fiscal yearAssurant: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $782MFY2021: Net borrowing −$72.6MFY2021: Asset sales $1.3BFY2021: Capital spending −$187MFY2021: Acquisitions −$16.6MFY2021: Buybacks −$839MFY2021: Dividends −$158M$2.1BFY2021FY2022: Operating cash flow $597MFY2022: Net borrowing −$75.9MFY2022: Asset sales $4.8MFY2022: Capital spending −$186MFY2022: Acquisitions −$72.5MFY2022: Buybacks −$573MFY2022: Dividends −$150M$602MFY2022FY2023: Operating cash flow $1.1BFY2023: Net borrowing −$51.8MFY2023: Capital spending −$202MFY2023: Acquisitions −$300KFY2023: Buybacks −$193MFY2023: Dividends −$152M$1.1BFY2023FY2024: Operating cash flow $1.3BFY2024: Asset sales −$5.0MFY2024: Capital spending −$221MFY2024: Acquisitions −$12.9MFY2024: Buybacks −$307MFY2024: Dividends −$156M$1.3BFY2024FY2025: Operating cash flow $1.8BFY2025: Net borrowing $122MFY2025: Capital spending −$236MFY2025: Acquisitions −$23.5MFY2025: Buybacks −$304MFY2025: Dividends −$168M$2.0BFY2025
Over these 5 years operating cash flow totalled $5.7B; the largest uses were buybacks ($2.2B) and capital spending ($1.0B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$1.8B
Debtnone
Net cash$1.8B

Assurant funds itself: free cash flow was $1.8B over the last twelve months, with $1.8B of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Assurant: sources (+) and uses (−) of cash, Q3 2026Assurant: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$686MOther investing−$421MCash drawn (+) / kept (−)−$79.1MBuybacks−$75.7MCapital spending−$65.6MDividends−$43.6MTaxes on employees’ shares−$4.3MExchange rates$3.5M
Assurant: sources (+) and uses (−) of cash, TTM to Q3 2026Assurant: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$2.1BOther investing−$1.2BBuybacks−$372MCapital spending−$218MDividends−$180MCash drawn (+) / kept (−)−$65.3MTaxes on employees’ shares−$34.2MAcquisitions−$16.4MNot reconciled−$3.7MAsset & business sales$1.4M

From profit to cash

Assurant: net income to operating cash flow, Q3 2026Assurant: net income to operating cash flow, Q3 2026Net income$275MDepreciation & amortization$67.7MStock-based pay$32.5MDeferred taxes$46.2MGains on investments$25.3MPrepaid and other assets$6.0MIncome taxes payable$57.2MOther operating capital−$25.4MOperating cash flow$686M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$686M−$65.6M—−$75.7M−$43.6M−$79.1M$620M
Q2 2026$454M−$45.2M−$1.2M−$77.6M−$47.9M−$107M$409M
Q1 2026$240M−$47.7M−$14.1M−$124M−$44.0M$242M$193M
Q4 2025$671M−$59.3M−$1.1M−$94.3M−$44.2M−$122M$612M
Q3 2025$505M−$62.9M−$22.4M−$81.8M−$40.6M−$226M$442M
Q2 2025$266M−$59.9M—−$63.3M−$42.7M$183M$206M
Q1 2025$392M−$53.4M—−$64.3M−$40.9M$138M$339M
Q4 2024$103M−$68.0M—−$120M−$41.1M$5.7M$34.8M

Assurant: income statement and cash flow

Assurant, Q3 2026: revenue $3.5B (+9% year over year), operating margin 9.9%. The chart follows the revenue to costs, profit and cash.

Assurant: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.