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American Integrity Insurance Group, Inc.(AII)Earnings, Financials & Key Ratios
AII•NYSE•Insurance & Managed Care
$19.31
$378M mkt cap·10.0× P/E·Price updated May 6, 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$204M+1.7%
- Combined Ratio75.02%-3.5%
- Net Income$40M+5.1%
- Return on Equity26.82%-4.9%
- Medical Cost Ratio59.88%-1.4%
- Operating Margin24.98%+12.1%
- Net Margin19.45%+3.4%
- ROA3.86%-12.0%
- Equity / Assets13.55%-12.8%
- Book Value per Share8.29+21.2%
- Tangible BV/Share8.29+21.2%
- Debt/Equity0.02-50.6%
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: 75.0% combined ratio
- ✓Excellent 3Y average ROE of 27.5%
- ✓Low loss ratio of 59.9%
- ✓Healthy dividend yield of 3.2%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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
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Profit CAGR
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EPS CAGR
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Return on Capital
10 Years5.49%
5 Years5.49%
3 Years5.49%
Last Year5.36%
AII Recent Earnings
American Integrity Insurance Group, Inc. (AII) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/4 qtrs (100%)●Beat Revenue 4/4 qtrs (100%)
Q1 2026Latest
Feb 24, 2026EPS
$1.11
Est $0.80
+38.2%
Revenue
$206M
Est $62M
+234.5%
Q4 2025
Nov 11, 2025EPS
$0.71
Est $0.61
+16.4%
Revenue
$62M
Est $62M
+0.5%
Q3 2025
Aug 12, 2025EPS
$1.84
Est $1.69
+8.9%
Revenue
$74M
Est $57M
+31.0%
Q3 2025
Jun 9, 2025EPS
$1.95
Est $1.92
+1.6%
Revenue
$72M
Est $68M
+5.7%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 24, 2026 | $1.11vs $0.80+38.2% | $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% |
| Q3 2025 | Jun 9, 2025 | $1.95vs $1.92+1.6% | $72Mvs $68M+5.7% |
Based on last 4 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 | 1.99B | 154.14 | 6.20 | 20.21% | 34.31% | 29.62% | 22.38% | 0.03 |
 UPC | 1.59M | 2.82 | -0.00 | -22.44% | -30.33% | -27.02% | 0.16 | |
 HRTG | 887.78M | 28.72 | 14.29 | 11.08% | 17.72% | 41.44% | 8.88% | 0.49 |
 ALL | 56.1B | 217.92 | 5.71 | 4.64% | 18.09% | 42.74% | 17.62% | 0.24 |
 TRV | 65.22B | 301.59 | 10.99 | 5.17% | 12.88% | 19.12% | 0.28 | |
 CB | 125.61B | 321.90 | 12.51 | 6.47% | 17.25% | 13.62% | 11.57% | 0.28 |
 PGR | 115.34B | 196.80 | 13.67 | 21.36% | 12.58% | 30.23% | 12.86% | 0.27 |
 CINF | 24.98B | 160.43 | 10.58 | 11.41% | 21.34% | 17.98% | 12.38% | 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
| Line item | Dec'23 | Dec'24 | TTM |
|---|---|---|---|
| Revenue | 200.87M | 204.35M | 275.53M |
| Revenue Growth % | - | 1.73% | - |
| Medical Costs & Claims | 122M | 122.36M | 131.99M |
| Medical Cost Ratio % | 60.74% | 59.88% | 47.9% |
| Gross Profit | 78.87M▲ 0% | 81.99M▲ 4.0% | 143.54M▲ 0% |
| Gross Margin % | 39.26% | 40.12% | 52.1% |
| Gross Profit Growth % | - | 3.96% | - |
| Operating Expenses | 34.11M | 30.95M | 47.01M |
| OpEx / Revenue % | 16.98% | 15.15% | 17.06% |
| Depreciation & Amortization | 1.22M | 2.84M | 2.27M |
| Combined Ratio % | 77.72% | 75.02% | 64.97% |
| Operating Income | 44.76M▲ 0% | 51.04M▲ 14.0% | 96.53M▲ 0% |
| Operating Margin % | 22.28% | 24.98% | 35.03% |
| Operating Income Growth % | - | 14.04% | - |
| EBITDA | 45.98M | 53.88M | 98.8M |
| EBITDA Margin % | 22.89% | 26.37% | 35.86% |
| Interest Expense | 0 | 0 | 0 |
| Non-Operating Income | 0 | 0 | 0 |
| Pretax Income | 44.76M▲ 0% | 51.04M▲ 14.0% | 96.53M▲ 0% |
| Pretax Margin % | 22.28% | 24.98% | 35.03% |
| Income Tax | 6.96M | 11.3M | 9.38M |
| Effective Tax Rate % | 15.55% | 22.13% | 9.71% |
| Net Income | 37.8M▲ 0% | 39.74M▲ 5.1% | 87.15M▲ 0% |
| Net Margin % | 18.82% | 19.45% | 31.63% |
| Net Income Growth % | - | 5.15% | - |
| EPS (Diluted) | 1.84▲ 0% | 1.94▲ 5.4% | 4.45▲ 0% |
| EPS Growth % | - | 5.43% | - |
| EPS (Basic) | 1.84 | 1.94 | - |
| Diluted Shares Outstanding | 19.58M | 19.58M | 19.57M |
AII Balance Sheet
American Integrity Insurance Group, Inc. (AII) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'23 | Dec'24 | TTM |
|---|---|---|---|
| Total Assets | 862.03M | 1.2B | 1.43B |
| Asset Growth % | - | 38.99% | 0% |
| Total Investment Assets | 0 | 214.04M | 3M |
| Long-Term Investments | -195.16M | 214.04M | 214.04M |
| Short-Term Investments | 195.16M | 89.03M | 356.98M |
| Total Current Assets | 845.56M | 0 | 198.96M |
| Cash & Equivalents | 61.65M | 173.22M | 144.78M |
| Receivables | 362.83M | 513.69M | 1.12B |
| Other Current Assets | 0 | -1.04B | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 |
| PP&E (Net) | 5.82M | 4.34M | 7.25M |
| Other Assets | 205.82M | -218.39M | 0 |
| Total Liabilities | 728.07M | 1.04B | 1.12B |
| Total Debt | 6.08M | 3.64M | 721K |
| Net Debt | -55.56M | -169.58M | -144.06M |
| Long-Term Debt | 1.03M | 617K | 721K |
| Short-Term Debt | 412K | 412K | 0 |
| Total Current Liabilities | 66.61M | 88.69M | 1.3M |
| Accounts Payable | 61.06M | 56.35M | 177.57M |
| Deferred Revenue | 0 | 0 | 0 |
| Other Current Liabilities | 5.14M | 31.93M | -177.57M |
| Deferred Taxes | 1000K | 1000K | 1.16M |
| Other Liabilities | 652.56M | 942.71M | 1.12B |
| Total Equity | 133.97M▲ 0% | 162.39M▲ 21.2% | 315.88M▲ 0% |
| Equity Growth % | - | 21.22% | 38.88% |
| Shareholders Equity | 133.97M | 162.39M | 315.88M |
| Minority Interest | 0 | 0 | 0 |
| Retained Earnings | 124.71M | 152.43M | 208.31M |
| Common Stock | 10.29M | 10.29M | 20K |
| Accumulated OCI | -1.03M | -327K | 1.73M |
| Return on Equity (ROE) | 28.21% | 26.82% | 27.59% |
| Return on Assets (ROA) | 4.38% | 3.86% | 6.08% |
| Equity / Assets | 15.54% | 13.55% | 22.03% |
| Debt / Equity | 0.05x | 0.02x | 0.02x |
| Book Value per Share | 6.84 | 8.29 | 16.14 |
| Tangible BV per Share | 6.84 | 8.29 | 16.14 |
AII Cash Flow Statement
American Integrity Insurance Group, Inc. (AII) cash flow — operating, investing & free cash flow history
| Line item | Dec'23 | Dec'24 | TTM |
|---|---|---|---|
| Cash from Operations | 64.44M | 148.91M | 148.91M |
| Operating CF Growth % | - | 131.09% | 437.87% |
| Operating CF / Revenue % | 32.08% | 72.87% | 54.04% |
| Net Income | 37.8M | 39.74M | 87.15M |
| Depreciation & Amortization | 1.22M | 2.84M | 2.27M |
| Stock-Based Compensation | 0 | 0 | 10.53M |
| Deferred Taxes | 1.11M | -2.11M | -8.7M |
| Other Non-Cash Items | -69.4M | -2.2M | 27.02M |
| Working Capital Changes | 93.71M | 110.64M | 122.42M |
| Cash from Investing | -1.84M | -19.37M | -187.67M |
| Capital Expenditures | -756K | -1.31M | -5.13M |
| Acquisitions | 0 | 0 | 0 |
| Purchase of Investments | -50.12M | -103.24M | -306.36M |
| Sale/Maturity of Investments | 1000K | 1000K | 4M |
| Other Investing | 0 | 0 | 0 |
| Cash from Financing | -2.35M | -12.44M | 61.73M |
| Dividends Paid | -1.84M | -12.02M | -45.75M |
| Share Repurchases | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 |
| Debt Issuance (Net) | -515K | -412K | -205K |
| Other Financing | 0 | 0 | 18.92M |
| Net Change in Cash | 60.24M▲ 0% | 117.1M▲ 94.4% | 114.77M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 |
| Cash at Beginning | 1.92M | 62.17M | 276.82M |
| Cash at End | 62.17M | 179.27M | 184.32M |
| Free Cash Flow | 63.68M▲ 0% | 147.6M▲ 131.8% | 235.57M▲ 0% |
| FCF Growth % | - | 131.78% | - |
| FCF Margin % | 31.7% | 72.23% | 85.5% |
| FCF per Share | 3.25 | 7.54 | 7.54 |
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 | TTM |
|---|---|---|
| Combined Ratio | 75.02% | 64.97% |
| Medical Cost Ratio | 59.88% | 47.9% |
| Return on Equity (ROE) | 26.82% | 27.59% |
| Return on Assets (ROA) | 3.86% | 6.08% |
| Equity / Assets | 13.55% | 22.03% |
| Book Value / Share | 8.29 | 16.14 |
| Debt / Equity | 0.02x | 0.02x |
| Revenue Growth | 1.73% | - |
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 1.7% over the past year. Growth has been modest.
Yes, American Integrity Insurance Group, Inc. (AII) is profitable, generating $87.2M in net income for fiscal year 2024 (19.4% net margin).
Dividend & Returns
Yes, American Integrity Insurance Group, Inc. (AII) pays a dividend with a yield of 3.18%. This makes it attractive for income-focused investors.
American Integrity Insurance Group, Inc. (AII) has a return on equity (ROE) of 26.8%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
American Integrity Insurance Group, Inc. (AII) has a combined ratio of 75.0%. A ratio below 100% indicates underwriting profitability.
Explore More AII
American Integrity Insurance Group, Inc. (AII) financial analysis — history, returns, DCA and operating performance tools
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Dividend History
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Earnings History
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Price History
Long-term charts & historical price data
Revenue History
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Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates