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Assurant - Fundamentalanalyse - Jahresbericht / Bilanz / Geschäftsbericht

Assurant (ISIN: US04621X1081, WKN: A0BLRP) Kursdatum: 21.07.2017 Kurs: 105,410 USD
Beschreibung Daten
Symbol AIZ
Marktkapitalisierung 6.528.547.328,00 USD
Land Vereinigte Staaten von Amerika
Indizes S&P 500
Sektor Gesundheitswesen
Rohdaten nach US GAAP in Millionen USD
Aktiensplits
Internet
Letztes Bilanz Update 14.02.2017

Fundamentaldaten

Fundamental Verhältnisse errechnet am: 21.07.2017
KFCV KCV DIV Rendite GKR EKQ KGV KUV KBV
132,44 48,53 1,93% 1,90 13,79 11,55 0,87 1,59

Firmenbeschreibung

Quarterly Results of Operations (Unaudited) The Company’s quarterly results of operations for the years ended December 31, 2016 and 2015 are summarized in the tables below: Three Month Periods Ended March 31 June 30 September 30 December 312016       Total revenues$2,147,527 $1,797,793 $1,834,168 $1,752,292Income before provision for income taxes337,507 235,512 220,858 54,711Net income220,318 169,349 144,367 31,316Basic per share data:       Income before provision for income taxes$5.19 $3.78 $3.66 $0.95Net income $3.38 $2.72 $2.40 $0.54Diluted per share data:       Income before provision for income taxes$5.12 $3.75 $3.63 $0.94Net income $3.34 $2.70 $2.37 $0.54         March 31 June 30 September 30 December 312015       Total revenues$2,598,610 $2,644,894 $2,534,156 $2,547,834Income (loss) before provision (benefit) for income taxes83,193 40,025 (32,251) 110,214Net income (loss)50,044 32,789 (7,022) 65,744Basic per share data:       Income (loss) before provision (benefit) for income taxes$1.19 $0.58 $(0.48) $1.65Net income (loss)$0.72 $0.48 $(0.10) $0.99Diluted* per share data:       Income (loss) before provision (benefit) for income taxes$1.18 $0.58 $(0.48

Firmenstrategie

The Consolidated Financial Statements include the accounts of the Company and all of its wholly owned subsidiaries. All inter-company transactions and balances are eliminated in consolidation.

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Segment Information

As part of its strategic realignment, the Company substantially exited the health insurance market in 2016 and sold its Assurant Employee Benefits segment on March 1, 2016, mainly through a series of reinsurance transactions. For more information see Notes 4 and 5, respectively. During 2016, the Company appointed a Chief Operating Officer ("COO"), a newly created position, and realigned its lines of business under this position. As a result of the new organizational framework and corresponding operating structure, the presentation of the segments was modified accordingly and prior periods' presentations revised, where necessary, to conform to the new operating segments. As of December 31, 2016, the Company has five reportable segments, which are defined based on the manner in which our Chief Operating Decision Makers (CEO and COO) review the business to assess performance and allocate resources, and align to the nature of the products and services offered:

Global Housing (formerly the Assurant Specialty Property reportable segment): provides lender-placed homeowners, manufactured housing and flood insurance; renters insurance and related products (referred to as multi-family housing); and valuation and field services (referred to as mortgage solutions).

Global Lifestyle (formerly included in the Assurant Solutions reportable segment): provides mobile device protection, extended service products and related services (referred to as global connected living); vehicle protection services and credit insurance.

Global Preneed (formerly included in the Assurant Solutions reportable segment): provides pre-funded funeral insurance.

Total Corporate & Other: Corporate & Other includes activities of the holding company, financing and interest expenses, net realized gains (losses) on investments and interest income earned from short-term investments held. Corporate & Other also includes the amortization of deferred gains and gains associated with the sales of Fortis Financial Group, Long-Term Care and Assurant Employee Benefits through reinsurance agreements and other unusual and infrequent items. Additionally, the segment includes amounts related to the runoff of the Assurant Health business. As Assurant Health was a reportable segment in prior years, its amounts are disclosed separately in the following segment tables for comparability.

In addition, Assurant Employee Benefits was a separate segment in 2016 and primarily includes the results of operations for the periods prior to its sale on March 1, 2016. See Note 5 for more information.

The Company determined its reportable segments using the management approach described in accounting guidance regarding disclosures about segments of an enterprise and related information. These reportable segment groupings are consistent with information used by our Chief Operating Decision Makers to assess performance and allocate resources. The accounting policies of the reportable segments are the same as those described in the summary of significant accounting policies. See Note 2 for further information.

The following tables summarize selected financial information by segment:

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Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts that can be converted into common stock were exercised as of the end of the period. Restricted stock and restricted stock units which have non-forfeitable rights to dividends or dividend equivalents are included in calculating basic and diluted earnings per share under the two-class method.

 
Year Ended December 31, 2016
 
 
 
 
 
 
 
Total Corporate & Other
 
 
 
 
 
Global Housing
 
Global Lifestyle
 
Global Preneed
 
Corporate & Other
 
Health
 
Total
 
Employee Benefits (1)
 
Consolidated
Revenues
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net earned premiums
$
1,829,112

 
$
2,901,480

 
$
61,691

 
$

 
$
37,110

 
$
37,110

 
$
177,971

 
$
5,007,364

Fees and other income
459,689

 
804,687

 
109,588

 
24,418

 
19,838

 
44,256

 
4,244

 
1,422,464

Net investment income
72,713

 
113,085

 
259,755

 
43,996

 
8,789

 
52,785

 
17,340

 
515,678

Net realized gains on investments (2)

 

 

 
162,183

 

 
162,183

 

 
162,183

Amortization of deferred gains and gains on disposal of businesses (3)

 

 

 
394,513

 

 
394,513

 

 
394,513

Gain on pension plan curtailment

 

 

 
29,578

 

 
29,578

 

 
29,578

Total revenues
2,361,514

 
3,819,252

 
431,034

 
654,688

 
65,737

 
720,425

 
199,555

 
7,531,780

Benefits, losses and expenses