Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Constructive evidenceCoverage 2/5 core metrics2 filing-based checks were evaluable.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- No current rule-based risk flags
2 filing-based checks were evaluable.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue expanded
Latest reported annual revenue changed +7.9% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Free cash flow was positive
Latest reported free cash flow was $1.6B.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Global Lifestyle$1.64B92.2%+16.3% yoy
- Global Housing$140M7.8%+9.2% yoy
Members sum to $1.78B against $12.8B consolidated (residual $11B) - eliminations or corporate lines the filer did not tag on this axis.
- United States$10.5B82.3%+7.5% yoy
- Outside the United States$2.27B17.7%+9.9% yoy
Members sum to the consolidated $12.8B for this period.
- Global Lifestyle$442M93.2%+26.3% yoy
- Global Housing$32.1M6.8%+4.6% yoy
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,003 US-listed filers · 822 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $12.8B | 90thof 3,301 top third | 92ndof 540 top third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 7.9% | 55thof 3,137 middle third | 55thof 517 middle third |
Net margin net income ÷ revenue | 6.8% | 63rdof 3,263 middle third | 37thof 533 middle third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 12.5% | 71stof 2,679 top third | 39thof 306 middle third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 14.9% | 79thof 3,576 top third | 82ndof 772 top third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 0.7% | 79thof 2,895 top third | 89thof 421 top third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 2.1× | 67thof 1,684 middle third | 77thof 443 top third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | -2.7% | 34thof 2,278 middle third | 64thof 497 middle third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 20.1% | 26thof 1,907 bottom third | 29thof 474 bottom third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 21 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Capital expenditure PaymentsToAcquirePropertyPlantAndEquipment | quarter 2020-03-31 | $21.6M 10-Q 2020-05-08 | $20.3M 10-Q 2021-05-06 | -6.0% | first · latest |
| Revenue Revenues | quarter 2020-12-31 | $2.56B 10-K 2021-02-19 | $2.42B 10-K 2022-02-22 | -5.4% | first · latest |
| Revenue Revenues | quarter 2020-09-30 | $2.5B 10-Q 2020-11-05 | $2.38B 10-K 2022-02-22 | -5.0% | first · latest · 4 filings carry it |
| Revenue Revenues | fiscal year 2020-12-31 | $10.1B 10-K 2021-02-19 | $9.6B 10-K 2023-02-17 | -4.9% | first · latest · 3 filings carry it |
| Revenue Revenues | quarter 2020-06-30 | $2.47B 10-Q 2020-08-07 | $2.35B 10-K 2022-02-22 | -4.8% | first · latest · 4 filings carry it |
| Revenue Revenues | quarter 2020-03-31 | $2.57B 10-Q 2020-05-08 | $2.45B 10-K 2022-02-22 | -4.6% | first · latest · 4 filings carry it |
| Depreciation and amortization DepreciationAmortizationAndAccretionNet | quarter 2020-03-31 | $33.5M 10-Q 2020-05-08 | $32.5M 10-Q 2021-05-06 | -3.0% | first · latest |
| Net income NetIncomeLoss | quarter 2022-03-31 | $146M 10-Q 2022-05-05 | $149M 10-Q 2023-05-04 | +2.4% | first · latest |
| Depreciation and amortization DepreciationAmortizationAndAccretionNet | fiscal year 2020-12-31 | $144M 10-K 2021-02-19 | $142M 10-K 2023-02-17 | -1.4% | first · latest · 3 filings carry it |
| Net income NetIncomeLoss | quarter 2021-06-30 | $203M 10-Q 2021-08-05 | $206M 10-Q 2022-08-04 | +1.2% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2023-12-31 | 53,783,069 shares 10-K 2024-02-15 | 53,198,310 shares 10-K 2026-02-19 | -1.1% | first · latest · 3 filings carry it |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2023-12-31 | 53,455,139 shares 10-K 2024-02-15 | 52,870,380 shares 10-K 2026-02-19 | -1.1% | first · latest · 3 filings carry it |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2024-12-31 | 52,231,729 shares 10-K 2025-02-20 | 51,703,588 shares 10-K 2026-02-19 | -1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2024-12-31 | 52,581,102 shares 10-K 2025-02-20 | 52,052,961 shares 10-K 2026-02-19 | -1.0% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2020-12-31 | $2.23B 10-K 2021-02-19 | $2.21B 10-K 2022-02-22 | -0.9% | first · latest · 5 filings carry it |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2025-03-31 | 51,281,419 shares 10-Q 2025-05-08 | 50,799,019 shares 10-Q 2026-05-07 | -0.9% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2025-03-31 | 51,731,116 shares 10-Q 2025-05-08 | 51,248,716 shares 10-Q 2026-05-07 | -0.9% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2025-06-30 | 51,135,518 shares 10-Q 2025-08-07 | 50,675,804 shares 10-Q 2026-08-06 | -0.9% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2025-06-30 | 51,572,065 shares 10-Q 2025-08-07 | 51,112,351 shares 10-Q 2026-08-06 | -0.9% | first · latest |
| Net income NetIncomeLoss | fiscal year 2021-12-31 | $1.37B 10-K 2022-02-22 | $1.36B 10-K 2024-02-15 | -0.8% | first · latest · 3 filings carry it |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2020-09-30 | $2.2B 10-Q 2020-11-05 | $2.19B 10-Q 2021-11-04 | -0.6% | first · latest |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for AIZ yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.