American Integrity Insurance Group, Inc. Financials
American Integrity Insurance Group, Inc. (AII) reported $276.5M in revenue for fiscal year 2025, up 35.3% from the prior fiscal year. 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).
Profitability expanded faster than revenue while liabilities fell, leaving a more equity-funded balance sheet and investment-heavy cash deployment.
Net income more than doubled to$99.6M in FY2025 even as operating cash flow declined from FY2024, so earnings expanded faster than cash realization. Free cash flow stayed near operating cash flow at$133.2M while capital expenditures were only$5.0M , implying the large investing outflow was not mainly property-and-equipment reinvestment.
Revenue advanced
Total liabilities fell to
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.
Not available for American Integrity Insurance Group, Inc., and counted as zero in the overall score.
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 $276.5M in revenue in fiscal year 2025. This represents an increase of 35.3% from the prior year.
American Integrity Insurance Group, Inc. reported $99.6M in net income in fiscal year 2025. This represents an increase of 150.7% from the prior year.
American Integrity Insurance Group, Inc. earned $5.65 per diluted share (EPS) in fiscal year 2025. This represents an increase of 91.5% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
American Integrity Insurance Group, Inc. generated $133.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 9.8% from the prior year.
American Integrity Insurance Group, Inc. held $203.9M in cash against $206K in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
American Integrity Insurance Group, Inc.'s net profit margin was 36.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 16.6 percentage points from the prior year.
American Integrity Insurance Group, Inc.'s ROE was 29.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.1 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
American Integrity Insurance Group, Inc. invested $5.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 283.9% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
AII Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 |
|---|---|---|---|
| Revenue | $336.2M | $276.5M+35.3% | $204.4M |
| SG&A Expenses | N/A | $41.9M+35.5% | $31.0M |
| Interest Expense | N/A | $34K-26.1% | $46K |
| Income Tax | N/A | $15.4M+36.6% | $11.3M |
| Net Income | $88.1M | $99.6M+150.7% | $39.7M |
| EPS (Diluted) | $4.50 | $5.65+91.5% | $2.95 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
AII Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 |
|---|---|---|
| Total Assets | $1.2B+2.7% | $1.2B |
| Cash & Equivalents | $203.9M+17.7% | $173.2M |
| Total Liabilities | $893.2M-13.8% | $1.0B |
| Long-Term Debt | $206K-66.6% | $617K |
| Total Equity | $337.0M+107.5% | $162.4M |
| Retained Earnings | $229.2M+50.3% | $152.4M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, 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.
| Metric | TTM | FY25 | FY24 |
|---|---|---|---|
| Operating Cash Flow | $172.6M | $138.2M-7.2% | $148.9M |
| Capital Expenditures | $8.9M | $5.0M+283.9% | $1.3M |
| Free Cash Flow | $163.6M | $133.2M-9.8% | $147.6M |
| Investing Cash Flow | -$85.0M | -$135.1M-597.4% | -$19.4M |
| Financing Cash Flow | -$20.5M | $61.7M+596.4% | -$12.4M |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
AII Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 |
|---|---|---|
| Net Margin | 36.0%+16.6pp | 19.4% |
| Return on Equity | 29.6%+5.1pp | 24.5% |
| Return on Assets | 8.1%+4.8pp | 3.3% |
| Debt-to-Equity | 0.000.0x | 0.00 |
| FCF Margin | 48.2%-24.1pp | 72.2% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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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 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.