Subtext

Assurant, Inc. AIZ

SectorFinancials
Transcripts70
Date range2008-02-07 – 2025-05-07
Calls charted70

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-22-11+0+11+222007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q4 · Overall: +6.42008 Q1 · Overall: +7.32008 Q2 · Overall: +5.22008 Q3 · Overall: -4.62008 Q4 · Overall: +3.82009 Q1 · Overall: -0.42009 Q2 · Overall: -1.32009 Q3 · Overall: -4.22009 Q4 · Overall: -3.62010 Q1 · Overall: +4.72010 Q2 · Overall: +5.22010 Q3 · Overall: +6.62010 Q4 · Overall: -0.62011 Q1 · Overall: +4.12011 Q2 · Overall: +9.62011 Q3 · Overall: -0.22011 Q4 · Overall: +5.32012 Q1 · Overall: +3.02012 Q2 · Overall: -0.32012 Q3 · Overall: +0.22012 Q4 · Overall: +4.62013 Q1 · Overall: +3.22013 Q2 · Overall: +3.72013 Q3 · Overall: +1.52013 Q4 · Overall: +7.22014 Q1 · Overall: +5.62014 Q2 · Overall: +4.72014 Q3 · Overall: +10.02014 Q4 · Overall: +3.72015 Q1 · Overall: +6.62015 Q2 · Overall: +2.62015 Q3 · Overall: -0.32015 Q4 · Overall: +2.72016 Q1 · Overall: +5.32016 Q2 · Overall: +9.92016 Q3 · Overall: +2.12016 Q4 · Overall: +5.72017 Q1 · Overall: +10.02017 Q2 · Overall: -3.32017 Q3 · Overall: -2.22017 Q4 · Overall: +5.52018 Q1 · Overall: +4.12018 Q2 · Overall: +7.62018 Q3 · Overall: +6.32018 Q4 · Overall: +3.62019 Q1 · Overall: +7.82019 Q2 · Overall: +10.52019 Q3 · Overall: +6.52019 Q4 · Overall: +8.22020 Q1 · Overall: -10.02020 Q2 · Overall: +0.32020 Q3 · Overall: +8.72020 Q4 · Overall: +7.92021 Q1 · Overall: +10.62021 Q2 · Overall: +12.92021 Q3 · Overall: +13.22021 Q4 · Overall: +14.82022 Q1 · Overall: +10.12022 Q2 · Overall: +5.92022 Q3 · Overall: +2.52022 Q4 · Overall: +5.72023 Q1 · Overall: +5.92023 Q2 · Overall: +5.42023 Q3 · Overall: +10.82023 Q4 · Overall: +19.02024 Q1 · Overall: +10.52024 Q2 · Overall: +11.02024 Q3 · Overall: +15.62024 Q4 · Overall: +17.92025 Q1 · Overall: +14.0
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-34-17+0+17+342007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q4 · CEO: +10.92008 Q1 · CEO: +21.82008 Q2 · CEO: +15.82008 Q3 · CEO: +4.62008 Q4 · CEO: +11.82009 Q1 · CEO: +10.62009 Q2 · CEO: +3.12009 Q3 · CEO: +5.42009 Q4 · CEO: +3.52010 Q1 · CEO: +10.02010 Q2 · CEO: +8.42010 Q3 · CEO: +21.22010 Q4 · CEO: +5.72011 Q1 · CEO: +12.02011 Q2 · CEO: +26.72011 Q3 · CEO: +5.72011 Q4 · CEO: +11.02012 Q1 · CEO: +3.42012 Q2 · CEO: +3.12012 Q3 · CEO: +3.42012 Q4 · CEO: +12.12013 Q1 · CEO: +9.22013 Q2 · CEO: +10.62013 Q3 · CEO: +13.32013 Q4 · CEO: +15.92014 Q1 · CEO: +16.92014 Q2 · CEO: +10.22014 Q3 · CEO: +23.12014 Q4 · CEO: +27.12015 Q2 · CEO: +15.72016 Q3 · CEO: +10.22016 Q4 · CEO: +10.82017 Q1 · CEO: +23.32017 Q2 · CEO: +6.92017 Q3 · CEO: +13.72017 Q4 · CEO: +23.22018 Q1 · CEO: +10.42018 Q2 · CEO: +14.92018 Q3 · CEO: +15.22018 Q4 · CEO: +11.92019 Q1 · CEO: +14.52019 Q2 · CEO: +18.62019 Q3 · CEO: +14.42019 Q4 · CEO: +19.62020 Q1 · CEO: -6.92020 Q2 · CEO: +7.52020 Q3 · CEO: +18.12020 Q4 · CEO: +25.52021 Q1 · CEO: +19.02021 Q2 · CEO: +19.72021 Q3 · CEO: +26.62021 Q4 · CEO: +25.02022 Q1 · CEO: +18.72022 Q2 · CEO: +16.22022 Q3 · CEO: +9.92022 Q4 · CEO: +15.52023 Q1 · CEO: +16.72023 Q2 · CEO: +18.12023 Q3 · CEO: +18.62023 Q4 · CEO: +29.32024 Q1 · CEO: +18.62024 Q2 · CEO: +19.42024 Q3 · CEO: +17.02024 Q4 · CEO: +26.62025 Q1 · CEO: +19.72008 Q2 · CFO: -0.92008 Q4 · CFO: -4.02009 Q1 · CFO: -18.52009 Q2 · CFO: -9.62009 Q3 · CFO: -1.82009 Q4 · CFO: -12.92010 Q1 · CFO: +4.42010 Q2 · CFO: +6.42010 Q3 · CFO: +4.62010 Q4 · CFO: -7.02011 Q1 · CFO: -3.12011 Q2 · CFO: +4.72011 Q3 · CFO: -5.42011 Q4 · CFO: +11.12012 Q1 · CFO: +13.82012 Q2 · CFO: -1.22012 Q3 · CFO: -4.42012 Q4 · CFO: -0.42013 Q1 · CFO: +4.72013 Q2 · CFO: +1.72013 Q3 · CFO: -1.62013 Q4 · CFO: +7.82014 Q1 · CFO: +2.82014 Q2 · CFO: -1.92014 Q3 · CFO: -1.92014 Q4 · CFO: -9.52015 Q2 · CFO: -9.12016 Q3 · CFO: -6.62016 Q4 · CFO: +3.22017 Q1 · CFO: +7.12017 Q2 · CFO: -6.02017 Q3 · CFO: -17.02017 Q4 · CFO: -4.22018 Q1 · CFO: +1.12018 Q2 · CFO: +4.12018 Q3 · CFO: +2.02018 Q4 · CFO: +1.72019 Q1 · CFO: +7.32019 Q2 · CFO: +6.82019 Q3 · CFO: +19.92019 Q4 · CFO: +2.22020 Q1 · CFO: -16.42020 Q2 · CFO: -6.52020 Q3 · CFO: +0.82020 Q4 · CFO: -6.82021 Q1 · CFO: +6.62021 Q2 · CFO: +3.72021 Q3 · CFO: -3.12021 Q4 · CFO: +0.92022 Q1 · CFO: -0.92022 Q2 · CFO: -1.32022 Q3 · CFO: -5.72022 Q4 · CFO: -8.02023 Q1 · CFO: -7.02023 Q2 · CFO: -5.52023 Q3 · CFO: +4.32023 Q4 · CFO: +15.02024 Q1 · CFO: +4.62024 Q2 · CFO: +6.22024 Q3 · CFO: +16.92024 Q4 · CFO: +14.82025 Q1 · CFO: +11.8
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-29-14+0+14+292007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q4 · Prepared remarks: +13.42008 Q1 · Prepared remarks: +10.92008 Q2 · Prepared remarks: +5.62008 Q3 · Prepared remarks: -1.92008 Q4 · Prepared remarks: +5.22009 Q1 · Prepared remarks: -2.92009 Q2 · Prepared remarks: -2.42009 Q3 · Prepared remarks: -1.52009 Q4 · Prepared remarks: -6.22010 Q1 · Prepared remarks: +12.42010 Q2 · Prepared remarks: +5.42010 Q3 · Prepared remarks: +17.82010 Q4 · Prepared remarks: +3.12011 Q1 · Prepared remarks: +5.72011 Q2 · Prepared remarks: +10.12011 Q3 · Prepared remarks: +1.72011 Q4 · Prepared remarks: +17.12012 Q1 · Prepared remarks: +11.22012 Q2 · Prepared remarks: +1.92012 Q3 · Prepared remarks: +4.72012 Q4 · Prepared remarks: +13.12013 Q1 · Prepared remarks: +9.42013 Q2 · Prepared remarks: +9.42013 Q3 · Prepared remarks: +12.92013 Q4 · Prepared remarks: +15.32014 Q1 · Prepared remarks: +8.12014 Q2 · Prepared remarks: +8.02014 Q3 · Prepared remarks: +20.02014 Q4 · Prepared remarks: +11.92015 Q1 · Prepared remarks: +8.92015 Q2 · Prepared remarks: +3.92015 Q3 · Prepared remarks: +5.02015 Q4 · Prepared remarks: +2.62016 Q1 · Prepared remarks: +6.32016 Q2 · Prepared remarks: +12.72016 Q3 · Prepared remarks: +0.02016 Q4 · Prepared remarks: +8.72017 Q1 · Prepared remarks: +15.62017 Q2 · Prepared remarks: -2.22017 Q3 · Prepared remarks: -5.22017 Q4 · Prepared remarks: +8.52018 Q1 · Prepared remarks: +6.92018 Q2 · Prepared remarks: +12.92018 Q3 · Prepared remarks: +3.62018 Q4 · Prepared remarks: +9.92019 Q1 · Prepared remarks: +12.42019 Q2 · Prepared remarks: +8.92019 Q3 · Prepared remarks: +9.52019 Q4 · Prepared remarks: +9.82020 Q1 · Prepared remarks: -9.82020 Q2 · Prepared remarks: -0.32020 Q3 · Prepared remarks: +7.02020 Q4 · Prepared remarks: +9.72021 Q1 · Prepared remarks: +12.62021 Q2 · Prepared remarks: +18.02021 Q3 · Prepared remarks: +19.72021 Q4 · Prepared remarks: +15.22022 Q1 · Prepared remarks: +7.02022 Q2 · Prepared remarks: +5.72022 Q3 · Prepared remarks: +6.92022 Q4 · Prepared remarks: +5.12023 Q1 · Prepared remarks: +5.82023 Q2 · Prepared remarks: +7.22023 Q3 · Prepared remarks: +18.42023 Q4 · Prepared remarks: +22.52024 Q1 · Prepared remarks: +11.82024 Q2 · Prepared remarks: +11.52024 Q3 · Prepared remarks: +16.22024 Q4 · Prepared remarks: +25.12025 Q1 · Prepared remarks: +20.42007 Q4 · Q&A responses: +5.32008 Q1 · Q&A responses: +13.12008 Q2 · Q&A responses: +11.32008 Q3 · Q&A responses: -3.92008 Q4 · Q&A responses: +6.12009 Q1 · Q&A responses: +8.72009 Q2 · Q&A responses: +9.52009 Q3 · Q&A responses: +4.92009 Q4 · Q&A responses: +0.02010 Q1 · Q&A responses: +5.12010 Q3 · Q&A responses: +8.22010 Q4 · Q&A responses: -2.52011 Q1 · Q&A responses: +8.02011 Q2 · Q&A responses: +12.72011 Q3 · Q&A responses: -0.52011 Q4 · Q&A responses: +5.72012 Q1 · Q&A responses: +1.32012 Q2 · Q&A responses: +1.42012 Q3 · Q&A responses: -1.62012 Q4 · Q&A responses: +0.62013 Q1 · Q&A responses: +4.02013 Q2 · Q&A responses: +1.22013 Q3 · Q&A responses: -1.32013 Q4 · Q&A responses: +8.12014 Q1 · Q&A responses: +9.72014 Q2 · Q&A responses: +6.62014 Q3 · Q&A responses: +8.72014 Q4 · Q&A responses: +5.22015 Q1 · Q&A responses: +15.82015 Q2 · Q&A responses: +7.82015 Q3 · Q&A responses: +0.72015 Q4 · Q&A responses: +9.02016 Q1 · Q&A responses: +12.22016 Q2 · Q&A responses: +14.52016 Q3 · Q&A responses: +9.92016 Q4 · Q&A responses: +6.22017 Q1 · Q&A responses: +10.52017 Q2 · Q&A responses: +1.72017 Q3 · Q&A responses: +11.12017 Q4 · Q&A responses: +2.32018 Q1 · Q&A responses: +5.02018 Q2 · Q&A responses: +7.32018 Q3 · Q&A responses: +14.12018 Q4 · Q&A responses: +3.42019 Q1 · Q&A responses: +10.12019 Q2 · Q&A responses: +15.32019 Q3 · Q&A responses: +6.22019 Q4 · Q&A responses: +13.52020 Q1 · Q&A responses: -9.02020 Q2 · Q&A responses: +5.02020 Q3 · Q&A responses: +14.72020 Q4 · Q&A responses: +12.82021 Q1 · Q&A responses: +14.42021 Q2 · Q&A responses: +16.02021 Q3 · Q&A responses: +12.92021 Q4 · Q&A responses: +18.52022 Q1 · Q&A responses: +16.02022 Q2 · Q&A responses: +12.62022 Q3 · Q&A responses: +4.52022 Q4 · Q&A responses: +10.32023 Q1 · Q&A responses: +9.32023 Q2 · Q&A responses: +8.02023 Q3 · Q&A responses: +8.72023 Q4 · Q&A responses: +20.32024 Q1 · Q&A responses: +10.02024 Q2 · Q&A responses: +15.12024 Q3 · Q&A responses: +18.02024 Q4 · Q&A responses: +16.12025 Q1 · Q&A responses: +11.6
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$4.40$11.38$18.372007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32014 Q1: $6.232014 Q2: $6.432014 Q3: $6.512014 Q4: $6.562015 Q1: $6.272015 Q2: $5.362015 Q3: $6.852015 Q4: $6.632016 Q1: $6.262016 Q2: $6.662016 Q3: $6.802016 Q4: $6.562017 Q1: $6.492017 Q2: $6.872017 Q3: $6.992017 Q4: $7.022018 Q1: $8.202018 Q2: $8.002018 Q3: $8.282018 Q4: $8.572019 Q1: $8.822019 Q2: $8.992019 Q3: $9.432019 Q4: $9.712020 Q1: $10.012020 Q2: $9.862020 Q3: $10.322020 Q4: $10.732021 Q1: $10.232021 Q2: $11.092021 Q3: $11.632021 Q4: $12.092022 Q1: $12.622022 Q2: $13.622022 Q3: $13.752022 Q4: $12.562023 Q1: $12.032023 Q2: $12.552023 Q3: $13.572023 Q4: $15.162024 Q1: $15.892024 Q2: $16.642024 Q3: $17.41

Forward P/E

7.4511.6415.832007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32014 Q1: 10.472014 Q2: 10.522014 Q3: 10.032014 Q4: 10.092015 Q1: 9.902015 Q2: 12.612015 Q3: 11.232015 Q4: 12.452016 Q1: 12.452016 Q2: 12.552016 Q3: 12.842016 Q4: 14.042017 Q1: 15.252017 Q2: 14.902017 Q3: 13.422017 Q4: 14.082018 Q1: 10.742018 Q2: 12.152018 Q3: 12.692018 Q4: 10.322019 Q1: 11.482019 Q2: 11.962019 Q3: 13.522019 Q4: 13.562020 Q1: 8.032020 Q2: 10.762020 Q3: 11.412020 Q4: 12.512021 Q1: 13.552021 Q2: 14.422021 Q3: 14.092021 Q4: 12.692022 Q1: 13.822022 Q2: 12.722022 Q3: 11.342022 Q4: 10.002023 Q1: 9.252023 Q2: 10.282023 Q3: 10.232023 Q4: 11.172024 Q1: 11.422024 Q2: 10.122024 Q3: 11.14

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2015 Q1 tone ↑ +2.9 fwd EPS ↓ -0.29 Tone rose while the forward EPS estimate was cut.
  • 2015 Q3 tone ↓ -2.9 fwd EPS ↑ +1.49 Tone cooled even as the forward EPS estimate rose.
  • 2015 Q4 tone ↑ +3.0 fwd EPS ↓ -0.22 Tone rose while the forward EPS estimate was cut.
  • 2016 Q1 tone ↑ +2.6 fwd EPS ↓ -0.37 Tone rose while the forward EPS estimate was cut.
  • 2016 Q3 tone ↓ -7.8 fwd EPS ↑ +0.14 Tone cooled even as the forward EPS estimate rose.
  • 2016 Q4 tone ↑ +3.6 fwd EPS ↓ -0.24 Tone rose while the forward EPS estimate was cut.
  • 2017 Q1 tone ↑ +4.3 fwd EPS ↓ -0.07 Tone rose while the forward EPS estimate was cut.
  • 2017 Q2 tone ↓ -13.3 fwd EPS ↑ +0.38 Tone cooled even as the forward EPS estimate rose.
  • 2018 Q2 tone ↑ +3.5 fwd EPS ↓ -0.20 Tone rose while the forward EPS estimate was cut.
  • 2018 Q4 tone ↓ -2.7 fwd EPS ↑ +0.29 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q3 tone ↓ -4.0 fwd EPS ↑ +0.44 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q1 tone ↓ -18.2 fwd EPS ↑ +0.30 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q2 tone ↑ +10.3 fwd EPS ↓ -0.16 Tone rose while the forward EPS estimate was cut.
  • 2021 Q1 tone ↑ +2.7 fwd EPS ↓ -0.50 Tone rose while the forward EPS estimate was cut.
  • 2022 Q1 tone ↓ -4.7 fwd EPS ↑ +0.53 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q2 tone ↓ -4.2 fwd EPS ↑ +1.00 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q4 tone ↑ +3.2 fwd EPS ↓ -1.19 Tone rose while the forward EPS estimate was cut.
  • 2024 Q1 tone ↓ -8.5 fwd EPS ↑ +0.73 Tone cooled even as the forward EPS estimate rose.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q12025-05-07+14.0——View →
2024 Q42025-02-12+17.9——View →
2024 Q32024-11-06+15.6$17.4111.1View →
2024 Q22024-08-07+11.0$16.6410.1View →
2024 Q12024-05-08+10.5$15.8911.4View →
2023 Q42024-02-07+19.0$15.1611.2View →
2023 Q32023-11-01+10.8$13.5710.2View →
2023 Q22023-08-02+5.4$12.5510.3View →