Symbols / AII Stock $16.75 -0.12% American Integrity Insurance Group, Inc.

Financial Services • Insurance - Property & Casualty • United States • NYQ
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Robert Craig Ritchie
Exch · Country NYQ · United States
Market Cap 328.15M
Enterprise Value 187.65M
Income 81.44M
Sales 295.53M
FCF (ttm) 196.11M
Book/sh 17.13
Cash/sh 8.86
Employees 313
Insider 10d —
IPO May 08, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 3.46
Forward P/E 5.56
PEG —
P/S 1.11
P/B 0.98
P/C —
EV/EBITDA 1.84
EV/Sales 0.64
Quick Ratio 0.43
Current Ratio 1.51
Debt/Eq 9.89
LT Debt/Eq —
EPS (ttm) 4.84
EPS next Y 3.01
EPS Growth -63.40%
Revenue Growth 26.50%
EPS Gr Q/Q -47.70%
Rev Gr Q/Q —
Earnings (next) 2026-08-11
Earnings (prior) 2026-02-24
ROA 5.38%
ROE 31.23%
ROIC —
Gross Margin 51.54%
Oper. Margin 29.97%
Profit Margin 27.56%
Shs Outstand 19.59M
Shs Float 11.77M
Insider Own 39.66%
Instit Own 60.22%
Short Float 1.79%
Short Ratio 2.25
Short Interest 213.48K
52W High 26.36
vs 52W High -36.46%
52W Low 15.78
vs 52W Low 6.18%
Beta —
Impl. Vol. —
Rel Volume 1.98
Avg Volume 108.58K
Volume 214.54K
Target (mean) $23.75
Tgt Median $24.50
Tgt Low $20.00
Tgt High $26.00
# Analysts 4
Recom None
Prev Close $16.77
Price $16.75
Change -0.12%
About

American Integrity Insurance Group, Inc., together with its subsidiaries, operates as an insurance company in the United States. The company offers personal residential property insurance for single-family homeowners and condominium owners, as well as coverage for vacant dwellings and investment properties. It also provides manufactured home, commercial residential, dwelling property, and specialty insurance products. In addition, the company offers optional endorsements that provide higher levels of standard coverage and optional coverage, such as personal injury, animal liability, identity recovery, and golf cart physical; and flood insurance products. It distributes its products through the Voluntary Market, which includes partnerships with independent agents, national and regional insurance companies, homebuilder-affiliated agents, and direct-to-consumer channels. American Integrity Insurance Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$23.75
Mean price target
2. Current target
$16.75
Latest analyst target
3. DCF / Fair value
$180.19
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$16.75
Low
$20.00
High
$26.00
Mean
$23.75

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-13 main Citizens Market Outperform → Market Outperform $25
2026-04-07 main Keefe, Bruyette & Woods Outperform → Outperform $27
2026-03-09 main Keefe, Bruyette & Woods Outperform → Outperform $28
2025-11-18 main Keefe, Bruyette & Woods Outperform → Outperform $29
2025-11-17 main Citizens Market Outperform → Market Outperform $28
2025-10-14 main JMP Securities Market Outperform → Market Outperform $26
2025-10-06 main Keefe, Bruyette & Woods Outperform → Outperform $26
2025-10-06 main Piper Sandler Overweight → Overweight $27
2025-09-22 reit Raymond James Outperform → Outperform $24
2025-08-18 reit Raymond James Outperform → Outperform $22
2025-06-02 init Oppenheimer — → Perform —
2025-06-02 init JMP Securities — → Outperform $23
2025-06-02 init Piper Sandler — → Overweight $20
News
RSS: Latest AII news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-26 MATHIS STEVEN B Director — 3,000 $16.82 $50,460
2026-05-22 CLARK DAVID LEWIS Chairman of the Board — 5,830 $17.15 $99,984
2026-05-22 SMATHERS STEVEN E Director — 2,900 $16.99 $49,271
2026-04-06 FOLEY BRIAN Chief Financial Officer — 4,262 $0.00 $0
2026-03-31 CSISZAR ERNST N Director — 778 $0.00 $0
2026-03-31 MATHIS STEVEN B Director — 778 $0.00 $0
2026-03-31 SMATHERS STEVEN E Director — 778 $0.00 $0
2026-03-02 RITCHIE JON P President — 11,814 $0.00 $0
2026-03-02 CLARK DAVID LEWIS Chairman of the Board — 9,451 $0.00 $0
2026-03-02 LURIE BENJAMIN A Chief Financial Officer — 3,166 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Revenue
276.49
+35.30%
204.35
+1.73%
200.87
Operating Revenue
276.49
+35.30%
204.35
+1.73%
200.87
Selling General And Administration
41.95
+35.53%
30.95
-9.27%
34.11
General And Administrative Expense
41.95
+35.53%
30.95
-9.27%
34.11
Other Gand A
41.95
+35.53%
30.95
-9.27%
34.11
Total Expenses
161.43
+5.29%
153.31
-1.79%
156.12
Reconciled Depreciation
2.28
-19.75%
2.84
+132.11%
1.22
Net Income
99.62
+150.67%
39.74
+5.15%
37.80
Pretax Income
115.06
+125.43%
51.04
+14.04%
44.76
Other Income Expense
0.89
+46.95%
0.61
-34.24%
0.92
Tax Provision
15.44
+36.64%
11.30
+62.36%
6.96
Tax Rate For Calcs
0.00
-39.39%
0.00
+41.89%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
99.62
+150.67%
39.74
+5.15%
37.80
Net Income From Continuing Operation Net Minority Interest
99.62
+150.67%
39.74
+5.15%
37.80
Net Income From Continuing And Discontinued Operation
99.62
+150.67%
39.74
+5.15%
37.80
Net Income Continuous Operations
99.62
+150.67%
39.74
+5.15%
37.80
Normalized Income
99.62
+150.67%
39.74
+5.15%
37.80
Net Income Common Stockholders
97.43
+156.19%
38.03
+5.31%
36.12
Otherunder Preferred Stock Dividend
2.19
+28.00%
1.71
+1.72%
1.68
Diluted EPS
5.65
+190.91%
1.94
+5.31%
1.84
Basic EPS
5.65
+190.91%
1.94
+5.31%
1.84
Basic Average Shares
17.24
-11.98%
19.58
+0.00%
19.58
Diluted Average Shares
17.24
-11.98%
19.58
+0.00%
19.58
Diluted NI Availto Com Stockholders
97.43
+156.19%
38.03
+5.31%
36.12
Loss Adjustment Expense
98.03
+7.93%
90.83
+4.71%
86.75
Net Policyholder Benefits And Claims
98.03
+7.93%
90.83
+4.71%
86.75
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
1,225.07
+2.25%
1,198.14
+38.99%
862.03
Cash Cash Equivalents And Short Term Investments
374.36
-3.33%
387.26
+50.80%
256.80
Cash And Cash Equivalents
203.90
+17.71%
173.22
+181.00%
61.65
Other Short Term Investments
170.45
-20.37%
214.04
+9.68%
195.16
Receivables
314.09
-38.86%
513.69
+41.58%
362.83
Accounts Receivable
314.09
-38.86%
513.69
+41.88%
362.06
Taxes Receivable
—
0.00
-100.00%
0.77
Prepaid Assets
275.09
+2.55%
268.25
+18.73%
225.93
Net PPE
6.17
+42.06%
4.34
-25.37%
5.82
Investments And Advances
348.61
+62.87%
214.04
+9.68%
195.16
Total Liabilities Net Minority Interest
888.05
-14.26%
1,035.75
+42.26%
728.07
Payables And Accrued Expenses
81.21
+19.03%
68.22
+11.73%
61.06
Payables
81.21
+19.03%
68.22
+11.73%
61.06
Accounts Payable
78.53
+39.36%
56.35
-7.72%
61.06
Total Tax Payable
2.68
-77.43%
11.87
0.00
Income Tax Payable
2.68
-77.43%
11.87
0.00
Current Debt And Capital Lease Obligation
—
0.41
+0.00%
0.41
Current Debt
—
0.41
+0.00%
0.41
Long Term Debt And Capital Lease Obligation
1.08
-70.45%
3.64
-35.78%
5.67
Long Term Debt
0.62
-39.94%
1.03
+0.00%
1.03
Long Term Capital Lease Obligation
0.46
-82.47%
2.61
-43.72%
4.64
Non Current Deferred Liabilities
—
1.12
-65.30%
3.23
Non Current Deferred Taxes Liabilities
—
1.12
-65.30%
3.23
Stockholders Equity
337.02
+107.54%
162.39
+21.22%
133.97
Common Stock Equity
337.02
+107.54%
162.39
+21.22%
133.97
Capital Stock
0.02
+53.85%
0.01
-99.87%
10.29
Common Stock
0.02
+53.85%
0.01
-99.87%
10.29
Share Issued
19.58
-0.01%
19.58
+0.00%
19.58
Ordinary Shares Number
19.58
-0.01%
19.58
+0.00%
19.58
Additional Paid In Capital
105.90
+930.72%
10.27
—
Retained Earnings
229.18
+50.35%
152.43
+22.23%
124.71
Gains Losses Not Affecting Retained Earnings
1.93
+689.60%
-0.33
+68.41%
-1.03
Other Equity Adjustments
1.93
+689.60%
-0.33
+68.41%
-1.03
Total Equity Gross Minority Interest
337.02
+107.54%
162.39
+21.22%
133.97
Total Capitalization
337.64
+106.61%
163.42
+21.06%
135.00
Invested Capital
337.64
+106.61%
163.42
+20.69%
135.41
Total Debt
1.08
-70.45%
3.64
-40.13%
6.08
Capital Lease Obligations
0.46
-82.47%
2.61
-43.72%
4.64
Net Tangible Assets
337.02
+107.54%
162.39
+21.22%
133.97
Tangible Book Value
337.02
+107.54%
162.39
+21.22%
133.97
Current Notes Payable
—
0.41
+0.00%
0.41
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Operating Cash Flow
138.19
-7.20%
148.91
+131.09%
64.44
Cash Flow From Continuing Operating Activities
138.19
-7.20%
148.91
+131.09%
64.44
Net Income From Continuing Operations
99.62
+150.67%
39.74
+5.15%
37.80
Depreciation And Amortization
2.28
-19.75%
2.84
+132.11%
1.22
Other Non Cash Items
-2.28
-9.41%
-2.08
+97.00%
-69.42
Stock Based Compensation
10.61
0.00
—
Deferred Tax
-10.53
-398.82%
-2.11
-289.75%
1.11
Deferred Income Tax
-10.53
-398.82%
-2.11
-289.75%
1.11
Operating Gains Losses
-0.57
-378.15%
-0.12
-640.91%
0.02
Gain Loss On Investment Securities
-0.57
-378.15%
-0.12
-640.91%
0.02
Change In Working Capital
39.05
-64.70%
110.64
+18.07%
93.71
Change In Receivables
6.56
+144.27%
-14.82
-86.76%
-7.94
Changes In Account Receivables
6.56
+144.27%
-14.82
-86.76%
-7.94
Change In Prepaid Assets
-6.84
+83.84%
-42.32
+36.69%
-66.85
Change In Payables And Accrued Expense
22.18
+570.57%
-4.71
-827.31%
0.65
Change In Payable
22.18
+570.57%
-4.71
-827.31%
0.65
Change In Account Payable
22.18
+570.57%
-4.71
-827.31%
0.65
Change In Other Working Capital
-23.03
-156.95%
40.44
+1842.31%
-2.32
Change In Other Current Assets
-8.54
-6.97%
-7.98
-327.25%
3.51
Change In Other Current Liabilities
6.41
+190.63%
-7.07
-211.31%
6.35
Investing Cash Flow
-135.08
-597.40%
-19.37
-952.09%
-1.84
Cash Flow From Continuing Investing Activities
-135.08
-597.40%
-19.37
-952.09%
-1.84
Net PPE Purchase And Sale
-5.02
-283.86%
-1.31
-72.88%
-0.76
Purchase Of PPE
-5.02
-283.86%
-1.31
-72.88%
-0.76
Capital Expenditure
-5.02
-283.86%
-1.31
-72.88%
-0.76
Net Investment Purchase And Sale
-130.06
-620.09%
-18.06
-1564.70%
-1.08
Purchase Of Investment
-265.47
-157.14%
-103.24
-106.01%
-50.12
Sale Of Investment
135.41
+58.97%
85.18
+73.73%
49.03
Financing Cash Flow
61.73
+596.41%
-12.44
-428.74%
-2.35
Cash Flow From Continuing Financing Activities
61.73
+596.41%
-12.44
-428.74%
-2.35
Net Issuance Payments Of Debt
-0.41
+0.24%
-0.41
+20.00%
-0.52
Repayment Of Debt
-0.41
+0.24%
-0.41
+20.00%
-0.52
Long Term Debt Payments
-0.41
+0.24%
-0.41
+20.00%
-0.52
Net Long Term Debt Issuance
-0.41
+0.24%
-0.41
+20.00%
-0.52
Net Common Stock Issuance
93.00
0.00
—
Common Stock Dividend Paid
-22.88
-90.24%
-12.02
-554.55%
-1.84
Cash Dividends Paid
-22.88
-90.24%
-12.02
-554.55%
-1.84
Net Other Financing Charges
-7.98
—
—
Changes In Cash
64.85
-44.62%
117.10
+94.38%
60.24
Beginning Cash Position
179.27
+188.37%
62.17
+3132.87%
1.92
End Cash Position
244.12
+36.17%
179.27
+188.37%
62.17
Free Cash Flow
133.18
-9.77%
147.60
+131.78%
63.68
Interest Paid Supplemental Data
0.03
-58.46%
0.07
-42.98%
0.11
Income Tax Paid Supplemental Data
35.34
+3433.50%
1.00
-88.82%
8.94
Change In Income Tax Payable
—
12.64
+508.40%
-3.10
Change In Tax Payable
—
12.64
+508.40%
-3.10
Common Stock Issuance
93.00
0.00
—
Issuance Of Capital Stock
93.00
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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