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American Integrity Insurance Group, Inc.(AII)Earnings, Financials & Key Ratios
AII•NYSE•Insurance & Managed Care
3.0× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutAmerican Integrity Insurance Group, Inc. is an insurance provider that offers a range of coverage options, including policies for homeowners, new home construction, vacant homes, condos, rental and seasonal dwellings, manufactured homes, and golf carts. The company also provides insurance for watercraft and services like binding arbitration.Show more
- Revenue$276M+35.3%
- Combined Ratio58.39%-22.2%
- Net Income$100M+150.7%
- Return on Equity39.9%+48.8%
- Medical Cost Ratio35.46%-40.8%
- Operating Margin41.61%+66.6%
- Net Margin36.03%+85.3%
- ROA8.22%+113.1%
- Equity / Assets27.51%+103.0%
AII Key Insights
American Integrity Insurance Group, Inc. (AII) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Profitable underwriting: 58.4% combined ratio
- ✓Excellent 3Y average ROE of 31.6%
- ✓Strong Piotroski F-Score: 9/9
- ✓Low loss ratio of 35.5%
- ✓Share count reduced 12.0% through buybacks
✗Weaknesses
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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AII Price & Volume
American Integrity Insurance Group, Inc. (AII) stock price & volume — 10-year historical chart
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AII Growth Metrics
American Integrity Insurance Group, Inc. (AII) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years-
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-
Return on Capital
10 Years6.95%
5 Years6.95%
3 Years6.95%
Last Year9.87%
AII Recent Earnings
American Integrity Insurance Group, Inc. (AII) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/5 qtrs (100%)●Beat Revenue 5/5 qtrs (100%)
Q2 2026Latest
May 12, 2026Metric
Actual
Est
EPS
$1.03+4.6%
$0.98
Rev
$220M+2.5%
$215M
Q1 2026
Feb 24, 2026Metric
Actual
Est
EPS
$1.03+28.3%
$0.80
Rev
$206M+234.5%
$62M
Q4 2025
Nov 11, 2025Metric
Actual
Est
EPS
$0.71+16.4%
$0.61
Rev
$62M+0.5%
$62M
Q3 2025
Aug 12, 2025Metric
Actual
Est
EPS
$1.84+8.9%
$1.69
Rev
$74M+31.0%
$57M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 12, 2026 | $1.03vs $0.98+4.6% | $220Mvs $215M+2.5% |
| Q1 2026 | Feb 24, 2026 | $1.03vs $0.80+28.3% | $206Mvs $62M+234.5% |
| Q4 2025 | Nov 11, 2025 | $0.71vs $0.61+16.4% | $62Mvs $62M+0.5% |
| Q3 2025 | Aug 12, 2025 | $1.84vs $1.69+8.9% | $74Mvs $57M+31.0% |
Based on last 5 quarters of dataView full earnings history →
AII Peer Comparison
American Integrity Insurance Group, Inc. (AII) competitors in Personal auto and homeowners insurers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HCI | 2.13B | 163.63 | 6.58 | 20.21% | 32.64% | 30.81% | 0.06 | |
 UPC | 1.66M | 2.95 | -0.00 | -22.44% | -30.33% | -27.02% | 0.16 | |
 HRTG | 706.24M | 23.27 | 3.68 | 3.71% | 25.99% | 43.68% | 0.20 | |
 ALL | 56.93B | 221.17 | 5.79 | 4.64% | 18.09% | 42.74% | 0.24 | |
 TRV | 66.56B | 307.81 | 11.22 | 5.17% | 12.88% | 19.12% | 0.28 | |
 CB | 126.2B | 323.40 | 12.57 | 6.47% | 17.25% | 13.62% | 0.28 | |
 PGR | 120.07B | 204.87 | 14.23 | 21.36% | 12.58% | 30.23% | 0.27 | |
 CINF | 26.5B | 170.20 | 11.22 | 11.41% | 21.34% | 17.98% | 0.06 |
Compare AII vs Peers
American Integrity Insurance Group, Inc. (AII) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AII Income Statement
American Integrity Insurance Group, Inc. (AII) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|
Revenue | 200.87M | 204.35M | 276.49M | 295.53M |
Revenue Growth % | - | 1.73% | 35.3% | - |
Medical Costs & Claims | 122M | 122.36M | 98.03M | 105.79M |
Medical Cost Ratio % | 60.74% | 59.88% | 35.46% | 35.8% |
Gross Profit | 78.87M▲ 0% | 81.99M▲ 4.0% | 178.45M▲ 117.6% | 189.74M▲ 0% |
Gross Margin % | 39.26% | 40.12% | 64.54% | 64.2% |
Gross Profit Growth % | - | 3.96% | 117.65% | - |
Operating Expenses | 34.11M | 30.95M | 63.39M | 90.34M |
OpEx / Revenue % | 16.98% | 15.15% | 22.93% | 30.57% |
Depreciation & Amortization | 1.22M | 2.84M | 2.28M | 2.58M |
Combined Ratio % | 77.72% | 75.02% | 58.39% | 66.36% |
Operating Income | 44.76M▲ 0% | 51.04M▲ 14.0% | 115.06M▲ 125.4% | 99.4M▲ 0% |
Operating Margin % | 22.28% | 24.98% | 41.61% | 33.64% |
Operating Income Growth % | - | 14.04% | 125.43% | - |
EBITDA | 45.98M | 53.88M | 117.34M | 101.98M |
EBITDA Margin % | 22.89% | 26.37% | 42.44% | 34.51% |
Interest Expense | 0 | 0 | 0 | 0 |
Non-Operating Income | 0 | 0 | 0 | 0 |
Pretax Income | 44.76M▲ 0% | 51.04M▲ 14.0% | 115.06M▲ 125.4% | 99.4M▲ 0% |
Pretax Margin % | 22.28% | 24.98% | 41.61% | 33.64% |
Income Tax | 6.96M | 11.3M | 15.44M | 17.97M |
Effective Tax Rate % | 15.55% | 22.13% | 13.42% | 18.07% |
Net Income | 37.8M▲ 0% | 39.74M▲ 5.1% | 99.62M▲ 150.7% | 81.44M▲ 0% |
Net Margin % | 18.82% | 19.45% | 36.03% | 27.56% |
Net Income Growth % | - | 5.15% | 150.67% | - |
EPS (Diluted) | 1.84▲ 0% | 1.94▲ 5.4% | 5.65▲ 191.2% | 4.16▲ 0% |
EPS Growth % | - | 5.43% | 191.24% | - |
EPS (Basic) | 1.84 | 1.94 | 5.78 | - |
Diluted Shares Outstanding | 19.58M | 19.58M | 17.24M | 19.58M |
AII Balance Sheet
American Integrity Insurance Group, Inc. (AII) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|
Total Assets | 862.03M | 1.2B | 1.23B | 1.18B |
Asset Growth % | - | 38.99% | 2.25% | 5.8% |
Total Investment Assets | 0 | 214.04M | 366.73M | 4M |
Long-Term Investments | -195.16M | 214.04M | 366.73M | 561.76M |
Short-Term Investments | 195.16M | 89.03M | 0 | 0 |
Total Current Assets | 845.56M | 0 | 248.93M | 215.61M |
Cash & Equivalents | 61.65M | 173.22M | 203.9M | 171.18M |
Receivables | 362.83M | 513.69M | 45.03M | 972.81M |
Other Current Assets | 0 | -1.04B | 0 | 0 |
Goodwill & Intangibles | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 |
PP&E (Net) | 5.82M | 4.34M | 6.17M | 42.09M |
Other Assets | 205.82M | -218.39M | -366.73M | 0 |
Total Liabilities | 728.07M | 1.04B | 888.05M | 839.57M |
Total Debt | 6.08M | 3.64M | 1.08M | 515K |
Net Debt | -55.56M | -169.58M | -202.83M | -170.67M |
Long-Term Debt | 1.03M | 617K | 618K | 515K |
Short-Term Debt | 412K | 412K | 0 | 0 |
Total Current Liabilities | 66.61M | 88.69M | 2.68M | 4.73M |
Accounts Payable | 61.06M | 56.35M | 0 | 0 |
Deferred Revenue | 0 | 0 | 0 | 0 |
Other Current Liabilities | 5.14M | 31.93M | 2.68M | 4.73M |
Deferred Taxes | 1000K | 1000K | 0 | 0 |
Other Liabilities | 652.56M | 942.71M | 884.75M | 834.32M |
Total Equity | 133.97M▲ 0% | 162.39M▲ 21.2% | 337.02M▲ 107.5% | 335.48M▲ 0% |
Equity Growth % | - | 21.22% | 107.54% | 187.85% |
Shareholders Equity | 133.97M | 162.39M | 337.02M | 335.48M |
Minority Interest | 0 | 0 | 0 | 0 |
Retained Earnings | 124.71M | 152.43M | 229.18M | 229.12M |
Common Stock | 10.29M | 10.29M | 20K | 20K |
Accumulated OCI | -1.03M | -327K | 1.93M | 184K |
Return on Equity (ROE) | 28.21% | 26.82% | 39.9% | 25.25% |
Return on Assets (ROA) | 4.38% | 3.86% | 8.22% | 6% |
Equity / Assets | 15.54% | 13.55% | 27.51% | 28.55% |
Debt / Equity | 0.05x | 0.02x | 0.00x | 0.00x |
Book Value per Share | 6.84 | 8.29 | 19.55 | 17.13 |
Tangible BV per Share | 6.84 | 8.29 | 19.55 | 17.13 |
AII Cash Flow Statement
American Integrity Insurance Group, Inc. (AII) cash flow — operating, investing & free cash flow history
| Metric | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|
Cash from Operations | 64.44M | 148.91M | 138.19M | 76.9M |
Operating CF Growth % | - | 131.09% | -7.2% | -157.16% |
Operating CF / Revenue % | 32.08% | 72.87% | 49.98% | 26.02% |
Net Income | 37.8M | 39.74M | 99.62M | 81.44M |
Depreciation & Amortization | 1.22M | 2.84M | 2.28M | 2.58M |
Stock-Based Compensation | 0 | 0 | 0 | 10.53M |
Deferred Taxes | 1.11M | -2.11M | 0 | -6.69M |
Other Non-Cash Items | -69.4M | -2.2M | -485K | 34.19M |
Working Capital Changes | 93.71M | 110.64M | 36.78M | -45.16M |
Cash from Investing | -1.84M | -19.37M | -135.08M | -147.91M |
Capital Expenditures | -756K | -1.31M | -5.02M | -4.91M |
Acquisitions | 0 | 0 | 0 | 0 |
Purchase of Investments | -50.12M | -103.24M | -265.47M | -214.05M |
Sale/Maturity of Investments | 49.03M | 85.18M | 135.41M | 75.54M |
Other Investing | 0 | 0 | 0 | -4.47M |
Cash from Financing | -2.35M | -12.44M | 61.73M | 56.64M |
Dividends Paid | -1.84M | -12.02M | -22.88M | -27.97M |
Share Repurchases | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 88.77M | 88.77M |
Debt Issuance (Net) | -515K | -412K | 0 | -102K |
Other Financing | 0 | 0 | -4.16M | -4.06M |
Net Change in Cash | 60.24M▲ 0% | 117.1M▲ 94.4% | 64.85M▼ 44.6% | -14.37M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 |
Cash at Beginning | 1.92M | 62.17M | 179.27M | 244.12M |
Cash at End | 62.17M | 179.27M | 244.12M | 226.35M |
Free Cash Flow | 63.68M▲ 0% | 147.6M▲ 131.8% | 133.18M▼ 9.8% | 70.72M▲ 0% |
FCF Growth % | - | 131.78% | -9.77% | - |
FCF Margin % | 31.7% | 72.23% | 48.17% | 23.93% |
FCF per Share | 3.25 | 7.54 | 7.73 | 3.61 |
AII Key Ratios
American Integrity Insurance Group, Inc. (AII) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2024 | 2025 | TTM |
|---|---|---|---|
Combined Ratio | 75.02% | 58.39% | 66.36% |
Medical Cost Ratio | 59.88% | 35.46% | 35.8% |
Return on Equity (ROE) | 26.82% | 39.9% | 25.25% |
Return on Assets (ROA) | 3.86% | 8.22% | 6% |
Equity / Assets | 13.55% | 27.51% | 28.55% |
Book Value / Share | 8.29 | 19.55 | 17.13 |
Debt / Equity | 0.02x | 0.00x | 0.00x |
Revenue Growth | 1.73% | 35.3% | - |
Related:AII Dividend History·AII Revenue History·AII Price History·AII P/E History·AII Financial Ratios·AII Institutional Holders
AII SEC Filings & Documents
American Integrity Insurance Group, Inc. (AII) SEC filings — annual & quarterly reports (10-K, 10-Q)
AII Frequently Asked Questions
American Integrity Insurance Group, Inc. (AII) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
American Integrity Insurance Group, Inc. (AII) grew revenue by 35.3% over the past year. This is strong growth.
Yes, American Integrity Insurance Group, Inc. (AII) is profitable, generating $81.4M in net income for fiscal year 2025 (36.0% net margin).
Dividend & Returns
Yes, American Integrity Insurance Group, Inc. (AII) pays a dividend with a yield of 7.92%. This makes it attractive for income-focused investors.
American Integrity Insurance Group, Inc. (AII) has a return on equity (ROE) of 39.9%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
American Integrity Insurance Group, Inc. (AII) has a combined ratio of 58.4%. A ratio below 100% indicates underwriting profitability.