American Integrity Insurance Group, Inc.(AII)Earnings, Financials & Key Ratios

AII•NYSE•Insurance & Managed Care

$18.73

3.3× P/E·Price updated Jul 6, 2026

SectorFinancial Services IndustryProperty & Casualty Insurance Sub-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 Price & Volume

American Integrity Insurance Group, Inc. (AII) stock price & volume — 10-year historical chart

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Aggressive Florida Expansion Masks Catastrophe Concentration Risk

Investment Thesis • Updated 2026Q1

VerdictNeutral

Growth:Expanding

Profitability:Strong

Financial:Fortress

Cash Flow:Mixed

Primary Risk:Florida catastrophe concentration risk

Key Thesis Takeaways

American Integrity Insurance Group demonstrates superior underwriting discipline with a 70.0% combined ratio as of 2026Q1, effectively capturing market share in the hardening Florida property sector.
While the firm's debt-free capital structure provides a robust solvency buffer, the near-total geographic concentration in Florida exposes the $335.5 million equity base to significant tail risk from major hurricane events.
Investors should weigh the attractive 7.1% dividend yield against the inherent volatility of underwriting cash flows and the potential for rapid depletion of liquidity during peak catastrophe seasons.

Verdict Logic

while the current P/B ratio of 0.96 and 7.1% dividend yield appear attractive, the extreme geographic concentration risk in Florida warrants caution regarding the sustainability of earnings during high-loss periods.

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

Full history →

●Beat EPS 5/5 qtrs (100%)●Beat Revenue 5/5 qtrs (100%)

Q2 2026Latest

May 12, 2026

Metric

Actual

Est

EPS

$1.03+4.6%

$0.98

Rev

$220M+2.5%

$215M

Q1 2026

Feb 24, 2026

Metric

Actual

Est

EPS

$1.03+28.3%

$0.80

Rev

$206M+234.5%

$62M

Q4 2025

Nov 11, 2025

Metric

Actual

Est

EPS

$0.71+16.4%

$0.61

Rev

$62M+0.5%

$62M

Q3 2025

Aug 12, 2025

Metric

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 →

Latest AII News

Recent stock market news and headlines for American Integrity Insurance Group, Inc. (AII)

Business Wire·Jun 16, 2026

Almonty Industries Provides Update on Large-Scale Drilling Program at Sangdong Molybdenum Project

DILLON, Mont.--(BUSINESS WIRE)--Almonty Industries Inc. (NASDAQ: ALM) (TSX: AII) (ASX: AII) (Frankfurt: ALI1), a leading global producer of tungsten concentrate, today announced an update on its large-scale drilling program at the Sangdong Molybdenum Project adjacent to Almonty's Sangdong Mine in Yeongwol, Gangwon Province, South Korea, to confirm molybdenum resources ahead of future project development. Molybdenum is a strategic metal that can significantly enhance heat and corrosion resistanc.

Peers Comparison

Key metrics vs top competitors for American Integrity Insurance Group, Inc. (AII)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
AIIAmerican Integrity Insurance Group, Inc.Current	$18.73	$366.94M	3.32	35.3%	36.03%	39.9%	7.09%
HCIHCI Group, Inc.	$181.72	$2.36B	7.31	20.21%	32.64%	30.81%	—
UPCUniverse Pharmaceuticals Inc.	$6.00	$3.38M	-0.01	-22.44%	-30.33%	-27.02%	—
HRTGHeritage Insurance Holdings, Inc.	$27.43	$832.5M	4.34	3.71%	25.99%	43.68%	—
ALLThe Allstate Corporation	$248.37	$63.94B	6.50	4.64%	18.09%	42.74%	—
TRVThe Travelers Companies, Inc.	$339.17	$72.12B	12.36	5.17%	15.54%	24.14%	—

Compare AII vs Peers

American Integrity Insurance Group, Inc. (AII) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HCI

Most directly comparable listed peer for AII.

Scale Benchmark

vs CB

Larger-name benchmark to compare AII against a more recognizable public peer.

Peer Set

Compare Top 5

vs HCI, UPC, HRTG, ALL

AII SEC Filings & Documents

American Integrity Insurance Group, Inc. (AII) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 20, 2026·SEC

Material company update

May 12, 2026·SEC

Material company update

Apr 6, 2026·SEC

10-K Annual Reports

FY 2026

Feb 27, 2026·SEC

10-Q Quarterly Reports

FY 2026

May 14, 2026·SEC

FY 2025

Nov 13, 2025·SEC

FY 2025

Aug 13, 2025·SEC

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AII Frequently Asked Questions

American Integrity Insurance Group, Inc. (AII) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is American Integrity Insurance Group, Inc. growing?

American Integrity Insurance Group, Inc. (AII) grew revenue by 35.3% over the past year. This is strong growth.

Is AII profitable?

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

Does AII pay dividends?

Yes, American Integrity Insurance Group, Inc. (AII) pays a dividend with a yield of 7.09%. This makes it attractive for income-focused investors.

What is AII's return on equity?

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

What is American Integrity Insurance Group, Inc.'s combined ratio?

American Integrity Insurance Group, Inc. (AII) has a combined ratio of 58.4%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in AII back in 2023?

Total return calculator · dividends reinvested · 3+ years of data

See returns →

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%

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

AIIAmerican Integrity Insurance Group, Inc.Current

$18.73

$366.94M

3.32

35.3%

36.03%

39.9%

7.09%

HCIHCI Group, Inc.

$181.72

$2.36B

7.31

20.21%

32.64%

30.81%

—

UPCUniverse Pharmaceuticals Inc.

$6.00

$3.38M

-0.01

-22.44%

-30.33%

-27.02%

—

HRTGHeritage Insurance Holdings, Inc.

$27.43

$832.5M

4.34

3.71%

25.99%

43.68%

—

ALLThe Allstate Corporation

$248.37

$63.94B

6.50

4.64%

18.09%

42.74%

—

TRVThe Travelers Companies, Inc.

$339.17

$72.12B

12.36

5.17%

15.54%

24.14%

—