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American Integrity Insurance Group, Inc. (AII) stock

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NYSE: AII NYSE Property & Casualty Insurance Next results ~November 10, 2026

American Integrity Insurance Group, Inc. is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Model estimate per share

~$55

Valuation models combined (4)

Base case. Range ~$25–$110. Weighted average of 4 models (justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers).

Price vs value

No Buy/Hold/Sell rating is issued: limited reported history: available models are shown without a Buy/Hold/Sell rating.

American Integrity Insurance Group, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders4 buying, 4 selling6 purchases and 30 sales by directors and officers, last 12 monthsInsider trades
  • Funds58 adding, 51 cuttingOf 36 active managers that changed their stake, 15 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter American Integrity Insurance Group files

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~November 10, 2026 (estimated)

American Integrity Insurance Group, Inc.'s trailing-twelve-month revenue grew 29.3% year on year, with a free-cash-flow margin of 48.7%.

Current signal Free cash flow diverging from earnings: TTM free cash flow fell 24.3% while net income grew 12.2%: a 37pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Fast growth. Revenue grew 29.3% over the last 12 months.
  • Strong cash generation. 48.7% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $0.3bn.
  • Estimates rising. Analysts' consensus for next year's earnings per share has risen 9.0% over 90 days.

Things to watch

  • Results due soon. Results are expected around 11 November; the share price can move sharply on the day.
  • Earnings expected to fall. The consensus expects earnings per share to fall 24% next year.

Latest results: FY2026 Q2

Filed August 13, 2026
Earnings per share
$1.78 against an average estimate of $0.89: beat by 100.4%
Revenue
$115m, up 54.6% on a year earlier
Share reaction
+11.5% in the first session after the results on August 11, 2026, against -0.1% for the S&P 500
Next report
November 10, 2026; average EPS estimate $0.66

American Integrity Insurance Group's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+0.8%
  • 1 week-0.1%
  • 1 month+13.2%
  • This year+49.5%
  • 1 year+30.7%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$336M
Net margin
26.2%
EPS (TTM, diluted)
$4.50

Growth

Revenue growth
+29.3%
Change in growth rate
+1.9 pts

Earnings

Last results
August 11, 2026
Next results (est.)
November 11, 2026

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Insider trade
  2. Insider trade
  3. Announcement
  4. Insider trade
  5. Insider trade
  6. Insider trade
  7. Insider trade
  8. Insider trade
  9. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

American Integrity Insurance Group, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Valuation models

We value American Integrity Insurance Group, Inc. as an insurer, with every model that fits that kind of business. Cost of equity 7.7%: the 10-year Treasury yield (4.9%) plus a beta of 0.62 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$240 ~$160–$360 Left out: out of range vs price (7.99x)
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$110 ~$89–$140 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$56 ~$44–$69 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$25 ~$20–$42 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$33 ~$29–$42 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: pays no regular dividend
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$55 ~$25–$110 4 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare American Integrity Insurance Group, Inc. with property, casualty and specialty insurers in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: November 10, 2026, after the close. Analysts expect revenue of $105m and EPS of $0.66 (range $0.50 to $0.77) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $4.30 −28% $420m +52%
Next $3.28 −24% $507m +21%

Next year's EPS estimate has moved +9.0% in 90 days, across 6 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +54.0% on 90 days ago. In the last 30 days, 6 analysts raised American Integrity Insurance Group, Inc.'s forecast and 0 cut it.

Consensus EPS forecast American Integrity Insurance Group, Inc., last 90 days
$2.50 $3.00 $3.50 $4.00 $4.50 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $2.79 Current fiscal year, 60 days ago: $3.33 Current fiscal year, 30 days ago: $3.78 Current fiscal year, 7 days ago: $3.78 Current fiscal year, Now: $4.30 $4.30 Next fiscal year, 90 days ago: $3.01 Next fiscal year, 60 days ago: $3.12 Next fiscal year, 30 days ago: $3.24 Next fiscal year, 7 days ago: $3.24 Next fiscal year, Now: $3.28 $3.28

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $2.79$3.01
60 days ago $3.33$3.12
30 days ago $3.78$3.24
7 days ago $3.78$3.24
Now $4.30$3.28

Earnings against estimates

Quarter toEstimateActualSurprise
Jun 2026 $0.89 $1.78 +100.4%
Dec 2025 $0.80 $1.11 +38.2%
Sept 2025 $0.64 $0.71 +11.8%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, August 11, 2026

No numeric guidance in American Integrity Insurance Group, Inc.'s latest earnings release (filed August 11, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

6 analysts, Oct 2026
Buy583%
Hold117%
Sell00%

Monthly trend

  1. Oct 20264116
  2. Sep 20264116
  3. Aug 20264116

Counts of recommendations published by analysts covering American Integrity Insurance Group, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
3.8%
of tradable shares
Days to cover
2.06
at average volume
Short interest, 1 month
+95%
to October 15, 2026
Held by institutions
60%
of shares
Held by insiders
36.1%
of shares
Employees
313
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +30.7%

$22.57 on October 31, 2025 to $29.50

ThenNowEffect
Revenue (last 12 months) $260m $336m +29.3%
Net margin 30.2% 26.2% −13.2%
P/E multiple 4.0x 6.6x +63.7%
Share count 14m 20m −28.8%

Biggest factor: p/e multiple.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 2026 to date
Return
AII+50%
Industry peers (median)+10%
S&P 500+11%
Months that ended higher
AII64%
S&P 50046%
Largest fall from a high during the year
AII−18%
S&P 500−9%

Worst fall since May 8, 2025: 34% from November 11, 2025 to May 29, 2026. Getting back needed a 52% gain, reached on August 17, 2026, 80 days after the low.

Price behaviour

52-week range
$16.36 – $29.52
From 52-week high
−0.1%
vs 50-day average
+10.3%
vs 200-day average
+42.3%
Volatility (1 year)
40%
Beta vs S&P 500
0.12

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
2 up, 4 down
typical move ±8.3%
After a week
3 up, 3 down
typical move ±13.5%
After a month
4 up, 2 down
typical move ±14.8%
Results releasedNext dayS&P 500 next day5 days21 days
August 11, 2026 +11.5% −0.1% +22.9% +23.6%
May 12, 2026 −14.8% +0.4% −16.3% −14.8%
February 24, 2026 +13.5% +1.6% +15.4% +13.9%
November 12, 2025 −5.3% −1.6% −20.7% −22.7%
August 12, 2025 −1.1% +1.4% +3.0% +12.7%
June 9, 2025 −3.5% +0.7% −2.7% +1.4%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Fundamentals

Revenue (TTM) American Integrity Insurance Group, Inc.
$200M $250M $300M $350M FY24 Q4 FY25 Q2 FY25 Q4 FY26 Q2 Revenue (TTM), FY24 Q4: $204.4M Revenue (TTM), FY25 Q1: $231.9M Revenue (TTM), FY25 Q2: $260M Revenue (TTM), FY25 Q3: $275.5M Revenue (TTM), FY25 Q4: $276.5M Revenue (TTM), FY26 Q1: $295.5M Revenue (TTM), FY26 Q2: $336.2M $336.2M

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue (TTM)
FY24 Q4 $204.4M
FY25 Q1 $231.9M
FY25 Q2 $260M
FY25 Q3 $275.5M
FY25 Q4 $276.5M
FY26 Q1 $295.5M
FY26 Q2 $336.2M
FCF margin (TTM) American Integrity Insurance Group, Inc.
0% 50% 100% 150% FY24 Q4 FY25 Q2 FY25 Q4 FY26 Q2 FCF margin (TTM), FY24 Q4: 72.2% FCF margin (TTM), FY25 Q1: 101.9% FCF margin (TTM), FY25 Q2: 83.1% FCF margin (TTM), FY25 Q3: 85.5% FCF margin (TTM), FY25 Q4: 48.2% FCF margin (TTM), FY26 Q1: 23.9% FCF margin (TTM), FY26 Q2: 48.7% 48.7%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period FCF margin (TTM)
FY24 Q4 72.2%
FY25 Q1 101.9%
FY25 Q2 83.1%
FY25 Q3 85.5%
FY25 Q4 48.2%
FY26 Q1 23.9%
FY26 Q2 48.7%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 204 276 336
Net income 40 100 88
Diluted EPS $2.95 $5.65 $4.50
Growth (year on year)
Revenue — +35.3% +29.3%
Net income — +150.7% +12.2%
Diluted EPS — +91.5% —
Margins
Net margin 19.4% 36.0% 26.2%
Free-cash-flow margin 72.2% 48.2% 48.7%
Cash flow
Cash from operations 149 138 173
Capital spending 1 5 9
Free cash flow 148 133 164
Stock-based pay 0 11 1
Free cash flow after stock pay 148 123 163
Balance sheet
Cash 173 204 288
Total debt 1 1 0
Net debt (negative = net cash) −172 −203 −288
Diluted shares 13m 17m 20m

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Competitors: side by side with peers

Closest by revenue in property & casualty insurance
Last 12 months unless stated AII AMSF ACIC OSG ITIC NODK Median
Revenue, last 12 months $336m $333m $331m $321m $293m $267m $1.7bn
Revenue growth, last 12 months 29.3% 7.7% 3.3% 26.8% 8.7% −13.9% 8.3%
Revenue growth, 3-year average — 2.9% 25.5% — 5.0% −2.5% 9.5%
Revenue growth, latest quarter 54.6% −2.6% −4.5% 51.0% 17.5% −7.7% 4.7%
Net margin 26.2% 12.1% 30.3% −49.6% 13.8% 2.9% 10.8%
Cash from operations / revenue 51.3% 3.8% −9.3% −19.4% 10.9% −12.2% 18.4%
Free-cash-flow margin 48.7% 3.7% −9.4% −34.2% 9.0% −12.2% 17.7%
Free-cash-flow margin, 3-year average — 4.0% 60.7% 16.7% 8.1% 4.8% 16.5%
Stock pay / revenue 0.3% 0.7% 1.5% 4.3% 0.2% 0.3% 0.6%
Change in share count — −1.7% 0.4% −3.8% −0.0% −1.0% −0.7%

Median of all 49 companies we cover in property & casualty insurance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Who owns it

Funds buying and selling
Reported value
$203M
Institutions reporting
101
Shares held vs prior quarter
▼ 3.0%
Positions opened / closed
14 / 12

Top buyers and sellers, Q2 2026: 58 institutions bought and 51 sold ; the biggest buyer was Pacific Ridge Capital Partners, LLC (+190K shares) and the biggest seller Manufacturers Life Insurance Company, The (−430K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Boston Partners $28.8M 1.5M 14.2% ▲ 3.6%
Wasatch Advisors LP $23.7M 1.3M 11.7% ▲ 5.7%
Mink Brook Asset Management LLC $18.4M 978K 9.1% ▲ 16.1%
Blackrock, Inc. $16.7M 888K 8.2% ▲ 18.4%
Pacific Ridge Capital Partners, LLC $10.9M 579K 5.4% ▲ 48.8%
Freestone Grove Partners LP $9.3M 491K 4.6% ▼ 12.1%
Vanguard Capital Management LLC $8.6M 459K 4.3% ▲ 0.8%
Russell Investments Group, Ltd. $6.2M 327K 3.0% ▼ 11.5%
Geode Capital Management, LLC $5.5M 294K 2.7% ▲ 10.7%
Two Sigma Investments, LP $5.5M 294K 2.7% ▼ 13.4%
American Century Companies Inc $5.3M 282K 2.6% ▲ 43.6%
State Street Corp $4.1M 216K 2.0% ▲ 15.8%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not American Integrity Insurance Group, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $2.5M 6 trades by 4 insiders, last 12 months Insider sales History → $81.2M 30 trades by 4 insiders · 22% under pre-set plans
Net ▼ $78.7M net selling
Insider Date Trade Shares Price Value
Ritchie Robert C Chief Executive Officer October 14, 2026 Sell pre-set plan 26,436 $27.23 $719,852
Ritchie Robert C Chief Executive Officer October 13, 2026 Sell pre-set plan 50,700 $27.41 $1.4M
Ritchie Robert C Chief Executive Officer October 12, 2026 Sell pre-set plan 69,727 $27.12 $1.9M
Ritchie Robert C Chief Executive Officer October 9, 2026 Sell pre-set plan 3,137 $27.05 $84,856
Ritchie Robert C Chief Executive Officer August 31, 2026 Sell pre-set plan 9,174 $25.92 $237,790
Ritchie Robert C Chief Executive Officer August 28, 2026 Sell pre-set plan 6,000 $26.50 $159,000
Ritchie Robert C Chief Executive Officer August 27, 2026 Sell pre-set plan 10,000 $26.35 $263,500
Ritchie Robert C Chief Executive Officer August 26, 2026 Sell pre-set plan 54,365 $26.63 $1.4M
Ritchie Robert C Chief Executive Officer August 25, 2026 Sell pre-set plan 65,000 $26.29 $1.7M
Ritchie Robert C Chief Executive Officer August 24, 2026 Sell pre-set plan 45,461 $26.30 $1.2M
Ritchie Robert C Chief Executive Officer August 21, 2026 Sell pre-set plan 24,464 $25.68 $628,236
Ritchie Robert C Chief Executive Officer August 21, 2026 Sell pre-set plan 150 $26.30 $3,945

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around November 11, 2026 estimated from the company's past filing pattern, not announced

  • August 11, 2026
  • May 12, 2026
  • February 24, 2026
  • November 12, 2025
  • August 12, 2025
  • June 9, 2025

Recent SEC filings

Data status

When each part of this page on American Integrity Insurance Group, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

American Integrity Insurance Group, Inc. in brief

What does American Integrity Insurance Group, Inc. do?
American Integrity Insurance Group, Inc. is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.
What is American Integrity Insurance Group, Inc.'s stock ticker?
American Integrity Insurance Group, Inc. trades under the ticker AII on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is American Integrity Insurance Group, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, American Integrity Insurance Group, Inc. reported revenue of $336M, 29.3% higher than a year earlier, according to its SEC filings.
What is American Integrity Insurance Group, Inc.'s free cash flow?
American Integrity Insurance Group, Inc.'s free-cash-flow margin is 48.7% of revenue over the trailing twelve months.
Who are American Integrity Insurance Group, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Boston Partners, Wasatch Advisors LP and Mink Brook Asset Management LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is American Integrity Insurance Group, Inc.'s market cap?
On November 2, 2026, American Integrity Insurance Group, Inc.'s market capitalisation was about $577M, with a price-to-earnings ratio of 6.6 and net debt of -$288M. Market figures come from third-party market data and may be delayed.
Who are American Integrity Insurance Group, Inc.'s competitors?
In our Property & Casualty Insurance peer group, the companies closest to American Integrity Insurance Group, Inc. are Amerisafe Inc, American Coastal Insurance Corp, Octave Specialty Group Inc, Investors Title Co and NI Holdings, Inc. The side-by-side comparison below sets their revenue, margins and growth against American Integrity Insurance Group, Inc.'s.
Are insiders buying or selling American Integrity Insurance Group, Inc. stock?
Over the last 12 months, American Integrity Insurance Group, Inc.'s directors and officers reported 6 open-market purchases and 30 sales on Form 4. The insider trading page charts every trade.
When is American Integrity Insurance Group, Inc.'s next earnings date?
Around November 10, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — American Integrity Insurance Group, Inc. announces its own schedule.