American Integrity Insurance Group, Inc.

American Integrity Insurance Group, Inc.

AII
American Integrity Insurance Group, Inc.US flagNew York Stock Exchange
16.76
USD
+0.16
- -
328.34MMarket Cap
American Integrity Insurance Group, Inc.
AII
(New York Stock Exchange)

Recent

price

16.76

P/E

ratio

- -

div

yld

- -

ROIC.AI

2023
2024
2025
TTM
FRC
10.26
10.44
16.04
15.62
Revenue per Share
1.93
2.03
5.78
4.3
Basic EPS, GAAP
3.25
7.54
7.73
3.74
Free Cash Flow per Basic Share
0.09
0.61
1.33
1.48
Dividend per Share
6.89
7.79
13.3
12.11
Book Value per Share
6.84
8.29
19.55
17.73
Tangible Book Value per Share
20
20
17
19
Basic Weighted Avg Shares
201
204
276
296
Sales/Revenue/Turnover
- -
- -
- -
- -
Operating Margin (%)
1
3
2
3
Depreciation Expense
38
40
100
81
Net Income, GAAP
15.55
22.13
13.42
18.08
Effective Tax Rate (%)
18.82
19.45
36.03
27.56
Profit Margin (%)
- -
- -
- -
- -
Working Capital
6
4
1
33
LT Debt
134
162
337
335
Total Equity
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
Return on Capital (%)
- -
27.65
52.21
39.24
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
1
1
1
LT Finance Leases
1
- -
33
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20
20
20
Market Capitalization
417
394
365

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
502
374
383
Accounts Receivable, Net
426
314
379
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
179
81
10
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
107.54%
Free Cash Flow
- -
- -
-9.77%
Net Income, GAAP
- -
- -
150.67%
Sales/Revenue/Turnover
- -
- -
35.3%
Total Cash Common Dividend
- -
- -
90.24%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
44
46
47
67
204
2025
72
74
62
68
276
2026
91
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.62
0.75
0.23
- -
2.03
2025
1.95
1.62
0.67
1.07
5.78
2026
1.02
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
0.41
- -
- -
0.61
2025
0.76
0.47
- -
- -
1.33
2026
1.02
- -
- -
- -
- -
Business
American Integrity Insurance Group, Inc. operates as a residential property insurance company primarily serving homeowners throughout Florida and the Southeastern United States, including South Carolina and Georgia. The company offers a broad range of insurance products including homeowners insurance, new home construction insurance, binding arbitration services, vacant home insurance, condominium insurance, watercraft insurance, rental and seasonal dwelling coverage, manufactured home insurance, and golf cart insurance. Additionally, it provides a commercial residential property insurance program targeting condominium associations, townhome associations, and homeowners associations primarily in Florida, offering comprehensive coverage for buildings, shared spaces, and association-owned property with robust protection against natural disasters. Founded in 2006 and headquartered in Tampa, Florida, American Integrity has established itself as a key player in the property insurance market with a focus on delivering innovative and reliable coverage solutions. In the past two years, American Integrity has undergone significant strategic growth and operational expansion. The company completed a successful initial public offering (IPO) in 2025, listing on the New York Stock Exchange under the ticker AII, which has supported its financial strength and growth initiatives. It has accelerated market leadership through the assumption of nearly 100,000 policies from Florida’s Citizens Property Insurance Corporation during 2024–2025, reinforcing its presence in the state's improving property insurance market. In November 2025 alone, American Integrity assumed over 7,000 additional policies from Citizens, adding approximately $25.8 million in annualized written premium. The company also launched its Commercial Residential Property Program in 2025, expanding into commercial lines coverage for Florida’s community associations, supported by strong underwriting tailored to the unique risks of these markets. American Integrity’s growth strategy includes re-entry into Florida’s Tri-County region and a focus on the middle-aged home market segment, enhancing its diversified product offerings and distribution channels across multiple states. The company maintains high financial stability ratings, including an “A” from Demotech and a BBB+ from KBRA, reflecting its disciplined underwriting and prudent risk management approach. The corporate structure was reorganized in May 2025 through a tax-free transaction to support future growth and operational efficiency. American Integrity Insurance Group focuses on the property and casualty insurance industry, targeting individual homeowners, residential rental property owners, and community associations with risk protection solutions primarily geared towards natural disaster and catastrophe exposures in high-risk Southeastern U.S. markets. Its products and services serve a geographically focused market in Florida while expanding across adjacent Southeastern states. The company leverages a vertically integrated platform, proprietary data-driven risk segmentation models, and strong agency relationships to maintain consistent underwriting profitability and market growth, capitalizing on state legislative reforms that have improved the insurance landscape in Florida. Its client base predominantly consists of homeowners, residential property investors, and community associations in Florida and the Southeastern region. This comprehensive approach positions American Integrity Insurance Group, Inc. as a leading provider of homeowners and residential property insurance in the Southeastern U.S., driven by strategic expansions, new product launches, and disciplined growth following its recent public listing and market acquisitions.

Company News

APIChat
  • American Integrity Insurance Group, Inc. Announces Full Placement of 2026-2027 CAT XOL Reinsurance Program

  • American Integrity Insurance Group Q1 Earnings Call Highlights

  • American Integrity Insurance Group, Inc. (AII) Q1 2026 Earnings Call Transcript

  • Diamond Equity Research Releases Update Note on Almonty Industries, Inc. (NASDAQ: ALM) (TSX: AII) (ASX: AII) (Frankfurt: ALI1)

  • Compared to Estimates, American Integrity Insurance (AII) Q1 Earnings: A Look at Key Metrics

  • American Integrity Insurance Group, Inc. Reports First Quarter 2026 Results

  • American Integrity Expands Its Footprint in the Luxury Home Market, Insuring Homes Up to $15 Million in Total Insured Value

  • American Integrity Insurance Group, Inc. Announces First Quarter 2026 Earnings Release Date and Conference Call

  • Reviewing Chubb (NYSE:CB) and American Integrity Insurance Group (NYSE:AII)

  • American Integrity Insurance Group, Inc. Appoints Brian Foley as Chief Financial Officer

  • American Integrity Insurance Group, Inc. (NYSE:AII) Receives Average Rating of “Moderate Buy” from Analysts

  • Critical Survey: W.R. Berkley (NYSE:WRB) & American Integrity Insurance Group (NYSE:AII)

  • American Integrity Insurance Group, Inc. (AII) Q4 2025 Earnings Call Transcript

  • Here's What Key Metrics Tell Us About American Integrity Insurance (AII) Q4 Earnings

  • American Integrity Insurance Group, Inc. Reports Fourth Quarter and Full Year 2025 Results

  • American Integrity Insurance Group, Inc. Announces Special Cash Dividend

  • Couloir Capital is Pleased to Announce That it Has Updated its Research Coverage on Almonty Industries

  • American Integrity Insurance Group, Inc. Announces Participation in the 47th Annual Raymond James Institutional Investors Conference

  • American Integrity Insurance Group, Inc. Announces Fourth Quarter 2025 Earnings Release Date and Conference Call

  • American Integrity Insurance Group, Inc. (NYSE:AII) Given Average Rating of “Moderate Buy” by Brokerages