American Integrity Insurance Group, Inc. (AII) AI Stock Analysis

American Integrity Insurance Group, Inc., together with its subsidiaries, operates as an insurance company in the United States. Headquartered in Tampa, Florida, the company provides personal residential property insurance for single-family homeowners and condominium owners, as well as coverage for vacant dwellings and investment properties. It also offers manufactured home, commercial residential, dwelling property, and specialty insurance products. Additionally, it offers optional endorsements such as personal injury, animal liability, identity recovery, golf cart physical, and flood insurance products. The company distributes products through partnerships with independent agents, insurance companies, homebuilder-affiliated agents, and direct-to-consumer channels.

Revenue grew from $200.9M in FY2023 to $204.4M in FY2024, an increase of 1.7%, before expanding 35.3% to $276.5M in FY2025, reflecting a 2-year revenue CAGR of 17.3%. Net income increased from $37.8M in FY2023 to $39.7M in FY2024 and reached $99.6M in FY2025, with net margin improving from 18.8% to 36.0%. Gross margin expanded from 39.3% in FY2023 to 64.5% in FY2025, while operating margin rose to 41.6%. Over the trailing twelve months, revenue reached $336.2M with a profit margin of 26.2%. In the latest quarter ended June 30, 2026, quarterly revenue grew 54.6% year-over-year and quarterly earnings grew 7.4%.

As of June 30, 2026, the company held $519.0M in cash and short-term investments against $33.5M in total debt, resulting in net cash of $485.5M. Total assets stood at $1.61B and shareholders' equity was $369.5M, supported by a current ratio of 260.83 and a debt-to-equity ratio of 0.09. In FY2025, operating cash flow was $138.2M and free cash flow was $133.2M. Capital allocation in FY2025 included $5.0M in capital expenditures and $22.9M paid in dividends.

At a share price of $27.50 as of October 16, 2026, the company had a market cap of $538.9M and an enterprise value of $234.3M. AII trades at a trailing P/E of 6.2x and a forward P/E of 7.9x, both below the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio of 1.6x is also lower than the peer median of 3.2x. Over the past year, AII returned 25.7%, outperforming the S&P 500 return of 16.8%, and gained 39.4% year-to-date.

Among analysts, the stock has 1 Strong Buy, 4 Buy, and 1 Hold ratings, with no Sell ratings. The mean price target is $28.25, representing a 2.7% premium over the last close of $27.50. For the current fiscal year ending December 31, 2026, analysts estimate revenue of $420.3M and EPS of $4.30. For the next fiscal year, consensus estimates project revenue of $507.3M and EPS of $3.28. AII beat EPS estimates in all 4 of the last 4 quarters, and its next earnings date is November 10, 2026.

This page is an AI-written research summary of American Integrity Insurance Group, Inc. (AII). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: AII income statement, AII balance sheet, AII key metrics, AII analyst forecast, AII chart. See the AII stock overview for the latest quote and news.