American Integrity Insurance Group, Inc. (AII) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the AII SEC filings page.
American Integrity Insurance Group, Inc. (AII) reported $336.2M in revenue over the twelve months to Jun 30, 2026, up 29.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Profit expanded far faster than revenue while a shrinking liability base and heavy investment reshaped the insurer’s capital profile.
The earnings surge did not convert proportionally into cash: net income more than doubled between FY2024 and FY2025 while operating cash flow slipped, indicating that reported profitability and cash generation moved in different directions. Free cash flow also weakened as investing activity absorbed$135M in FY2025, so the cash outcome reflects substantial reinvestment or portfolio deployment rather than simply accumulated operating earnings.
With liabilities down
Net profit margin rose from
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of American Integrity Insurance Group, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. American Integrity Insurance Group, Inc. scores 83/100 on it among other insurers.
American Integrity Insurance Group, Inc. reported revenue of $276.5M in fiscal year 2025, against $204.4M in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and American Integrity Insurance Group, Inc. scores 93/100 among other insurers.
American Integrity Insurance Group, Inc. funded 27.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $337.0M of equity against $1.2B of assets. Capital ranks insurers on that cushion, and American Integrity Insurance Group, Inc. scores 63/100 among other insurers.
Not available for American Integrity Insurance Group, Inc., and counted as zero in the overall score.
Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. American Integrity Insurance Group, Inc. scores 91/100 on it among other insurers.
American Integrity Insurance Group, Inc. reported net income of $99.6M in fiscal year 2025, against $39.7M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and American Integrity Insurance Group, Inc. scores 67/100 among other insurers.
American Integrity Insurance Group, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, American Integrity Insurance Group, Inc. generates $1.39 in operating cash flow ($138.2M OCF vs $99.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
American Integrity Insurance Group, Inc. generated $115.2M in revenue in Q2 2026. This represents an increase of 54.6% from the same quarter a year earlier. Against the prior quarter it is up 26.7%.
American Integrity Insurance Group, Inc. reported $34.1M in net income in Q2 2026. This represents an increase of 24.2% from the same quarter a year earlier. Against the prior quarter it is up 71.5%.
American Integrity Insurance Group, Inc. earned $1.74 per diluted share (EPS) in Q2 2026. This represents an increase of 7.4% from the same quarter a year earlier. Against the prior quarter it is up 70.6%.
Not reported for Q2 2026.
Cash & Balance Sheet
American Integrity Insurance Group, Inc. generated $119.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 345.1% from the same quarter a year earlier. Against the prior quarter it is up 2069.1%.
American Integrity Insurance Group, Inc. held $288.5M in cash against $412K in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
American Integrity Insurance Group, Inc.'s net profit margin was 29.6% in Q2 2026, showing the share of revenue converted to profit. This is down 7.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 7.7 percentage points.
American Integrity Insurance Group, Inc.'s ROE was 9.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.3 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
American Integrity Insurance Group, Inc. invested $3.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 581.1% from the same quarter a year earlier. Against the prior quarter it is up 153.2%.
Not reported for Q2 2026.
Not reported for Q2 2026.
AII Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $115.2M+54.6% | $90.9M+26.5% | $68.1M+1.4% | $62.0M+33.3% | $74.5M+60.6% | $71.9M+62.2% | $67.1M | $46.5M |
| SG&A Expenses | $18.2M-20.7% | $16.0M+218.8% | N/A | $7.3M+2.3% | $22.9M+239.4% | $5.0M-5.2% | N/A | $7.2M |
| Income Tax | $12.3M+461.4% | $7.3M+52.6% | N/A | $5.6M+175.3% | -$3.4M-159.5% | $4.8M+300.7% | N/A | $2.0M |
| Net Income | $34.1M+24.2% | $19.9M-47.7% | $20.9M+148.5% | $13.2M+191.7% | $27.5M+86.7% | $38.1M+214.7% | $8.4M | $4.5M |
| EPS (Basic) | $1.74+7.4% | $1.02-63.3% | $1.07+72.6% | $0.67+103.0% | $1.62+48.6% | $2.78+208.9% | $0.62 | $0.33 |
| EPS (Diluted) | $1.74+7.4% | $1.02-63.3% | $1.07+72.6% | $0.67+103.0% | $1.62+48.6% | $2.78+208.9% | $0.62 | $0.33 |
| Diluted Shares (Avg) | 20M+15.5% | 20M+51.7% | N/A | 20M+51.7% | 17M+31.4% | 13M+10400.0% | N/A | 13M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, Interest Expense.
AII Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.6B+1.3% | $1.2B+3.6% | $1.2B+2.7% | $1.4B | $1.6B | $1.1B | $1.2B | N/A |
| Cash & Equivalents | $288.5M+11.1% | $171.2M-27.6% | $203.9M+17.7% | $144.8M+108.2% | $259.6M+117.9% | $236.4M+36.5% | $173.2M | $69.6M |
| Short-Term Investments | $4.7M | $2.5M | $18.1M | $27.1M | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $1.2B-3.6% | $839.6M-11.5% | $893.2M-13.8% | $1.1B | $1.3B | $948.7M | $1.0B | N/A |
| Long-Term Debt | $412K-50.0% | $515K-44.4% | $206K-66.6% | $721K | $824K | $926K | $617K | N/A |
| Total Equity | $369.5M+22.4% | $335.5M+80.3% | $337.0M+107.5% | $315.9M+104.5% | $301.9M+102.7% | $186.1M+30.9% | $162.4M | $154.4M |
| Retained Earnings | $263.3M+34.9% | $229.1M+30.4% | $229.2M+50.3% | $208.3M | $195.1M | $175.7M | $152.4M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.
AII Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $123.1M+349.2% | $6.8M-90.0% | $50.2M-67.1% | -$7.5M+75.9% | $27.4M-42.2% | $68.1M+437.9% | $152.7M | -$31.0M |
| Depreciation & Amortization | $648K+208.6% | $595K+203.6% | N/A | N/A | $210K-70.3% | $196K-71.5% | N/A | $723K |
| Stock-Based Compensation | N/A | $266K | N/A | N/A | N/A | $0 | N/A | N/A |
| Capital Expenditures | $3.2M+581.1% | $1.3M+1073.1% | -$19K-79.6% | $4.5M+1520.7% | $471K+36.9% | $108K-81.8% | $93K | $275K |
| Free Cash Flow | $119.8M+345.1% | $5.5M-91.9% | $50.2M-67.1% | -$11.9M+61.8% | $26.9M-42.7% | $68.0M+427.7% | $152.6M | -$31.3M |
| Investing Cash Flow | -$5.3M+92.2% | -$4.5M-153.8% | $9.7M+122.6% | -$84.9M-360.2% | -$68.2M-246.6% | $8.3M+282.8% | -$42.9M | -$18.5M |
| Financing Cash Flow | -$223K-100.3% | -$20.1M-34.0% | -$103K0.0% | -$102K+1.0% | $76.9M+1049.0% | -$15.0M-263.1% | -$103K | -$103K |
| Dividends Paid | $0 | $20.0M | N/A | N/A | $0 | $0 | N/A | N/A |
Not reported in any period shown, so not listed: Share Buybacks.
AII Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.6%-7.3pp | 21.9%-31.1pp | 30.7%+18.1pp | 21.2%+11.5pp | 36.9%+5.2pp | 53.0%+25.7pp | 12.5% | 9.7% |
| Return on Equity | 9.2%+0.1pp | 5.9%-14.6pp | 6.2%+1.0pp | 4.2%+1.3pp | 9.1%-0.8pp | 20.5%+12.0pp | 5.2% | 2.9% |
| Return on Assets | 2.1%+0.4pp | 1.7%-1.7pp | 1.7%+1.0pp | 0.9% | 1.7% | 3.4% | 0.7% | N/A |
| Debt-to-Equity | 0.000.0x | 0.000.0x | 0.000.0x | 0.00 | 0.00 | 0.01 | 0.00 | N/A |
| Asset Turnover | 0.070.0x | 0.080.0x | 0.060.0x | 0.04 | 0.05 | 0.06 | 0.06 | N/A |
| FCF Margin | 104.1% | 6.1%-88.5pp | 73.7% | -19.2%+48.0pp | 36.1% | 94.6%+141.4pp | 227.4% | -67.2% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| American Integrity Insurance Group, Inc. AII | FY2025 | $276.5M | $99.6M | 36.0% | $510.6M | 66/100 |
| Global Indemnity Group, LLC GBLI | FY2025 | $450.1M | $25.3M | 5.6% | $360.7M | 49/100 |
| American Coastal Insurance Corporation ACIC | FY2025 | $335.4M | $106.8M | 31.9% | $437.2M | 57/100 |
| Donegal Group Inc DGICA | FY2025 | $978.0M | $79.3M | 8.1% | $674.5M | 37/100 |
| Donegal Group Inc DGICB | FY2025 | $978.0M | $79.3M | 8.1% | $625.8M | 37/100 |
| HERITAGE INSURANCE HOLDINGS INC HRTG | FY2025 | $847.3M | $195.6M | 23.1% | $1.0B | 43/100 |
Where American Integrity Insurance Group, Inc. Ranks
Frequently Asked Questions
What is American Integrity Insurance Group, Inc.'s annual revenue?
American Integrity Insurance Group, Inc. (AII) reported $276.5M in total revenue for fiscal year 2025. This represents a 35.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is American Integrity Insurance Group, Inc.'s revenue growing?
American Integrity Insurance Group, Inc. (AII) revenue grew by 35.3% year-over-year, from $204.4M to $276.5M in fiscal year 2025.
Is American Integrity Insurance Group, Inc. profitable?
Yes, American Integrity Insurance Group, Inc. (AII) reported a net income of $99.6M in fiscal year 2025, with a net profit margin of 36.0%.
How much debt does American Integrity Insurance Group, Inc. have?
As of fiscal year 2025, American Integrity Insurance Group, Inc. (AII) had $203.9M in cash and equivalents against $206K in long-term debt.
What is American Integrity Insurance Group, Inc.'s net profit margin?
American Integrity Insurance Group, Inc. (AII) had a net profit margin of 36.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is American Integrity Insurance Group, Inc.'s return on equity (ROE)?
American Integrity Insurance Group, Inc. (AII) has a return on equity of 29.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is American Integrity Insurance Group, Inc.'s free cash flow?
American Integrity Insurance Group, Inc. (AII) generated $133.2M in free cash flow during fiscal year 2025. This represents a -9.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is American Integrity Insurance Group, Inc.'s operating cash flow?
American Integrity Insurance Group, Inc. (AII) generated $138.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are American Integrity Insurance Group, Inc.'s total assets?
American Integrity Insurance Group, Inc. (AII) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are American Integrity Insurance Group, Inc.'s capital expenditures?
American Integrity Insurance Group, Inc. (AII) invested $5.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is American Integrity Insurance Group, Inc.'s debt-to-equity ratio?
American Integrity Insurance Group, Inc. (AII) had a debt-to-equity ratio of 0.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is American Integrity Insurance Group, Inc.'s return on assets (ROA)?
American Integrity Insurance Group, Inc. (AII) had a return on assets of 8.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is American Integrity Insurance Group, Inc.'s P/E ratio?
American Integrity Insurance Group, Inc. (AII) trades at 5.8x earnings, its market capitalization divided by net income of $88.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $510.6M as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is American Integrity Insurance Group, Inc.'s price-to-sales ratio?
American Integrity Insurance Group, Inc. (AII) trades at 1.5x sales, its market capitalization divided by revenue of $336.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $510.6M as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is American Integrity Insurance Group, Inc.'s Piotroski F-Score?
American Integrity Insurance Group, Inc. (AII) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are American Integrity Insurance Group, Inc.'s earnings high quality?
American Integrity Insurance Group, Inc. (AII) has an earnings quality ratio of 1.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is American Integrity Insurance Group, Inc.?
American Integrity Insurance Group, Inc. (AII) scores 66 out of 100 on our Financial Health Score, indicating strong standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.