American Integrity Insurance Reports Q4 2025 Earnings
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 25 2026
0mins
Should l Buy AII?
Source: NASDAQ.COM
- Stable Revenue: American Integrity Insurance (AII) reported revenue of $68.05 million for Q4 2025, unchanged from the same period last year, indicating the company's stability in the market despite no year-over-year growth.
- Earnings Growth: The earnings per share (EPS) came in at $1.11, a significant increase from $0 in the year-ago quarter, reflecting an improvement in the company's profitability that may attract more investor interest.
- Surpassing Expectations: The reported revenue exceeded the Zacks consensus estimate of $61.71 million by 10.28%, while the EPS surpassed the consensus estimate of $0.79 by 40.95%, showcasing the company's strong financial performance.
- Investor Focus: Despite flat revenue, investors are closely monitoring key metrics of the company's financial health to better project stock price performance, reflecting market confidence in the company's future growth.
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Analyst Views on AII
Wall Street analysts forecast AII stock price to rise
5 Analyst Rating
4 Buy
1 Hold
0 Sell
Strong Buy
Current: 19.600
Low
27.00
Averages
28.00
High
29.00
Current: 19.600
Low
27.00
Averages
28.00
High
29.00
About AII
American Integrity Insurance Group, Inc. is an insurance group. The Company, through its subsidiary American Integrity Insurance Company of Florida, Inc. (AIICFL), provides personal residential property insurance for single-family homeowners and condominium owners, as well as coverage for vacant dwellings and investment properties. Its subsidiaries include American Integrity MGA, LLC, operates as a managing general agency to produce, underwrite, negotiate, bind and administer policies. American Integrity Claims Services, LLC, manages all non-catastrophe claims for AIICFL and, on an as-needed basis, contracts with third-party claims services providers to manage and oversee catastrophe claims. Pinnacle Analytics, LLC, operates ongoing reinsurance-related analytical and modeling work for the benefit of AIICFL. Pinnacle Insurance Consultants, LLC, acts as the agent of the record of policies that are assumed by citizens and are not already affiliated with an independent insurance agent.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
American Integrity Insurance Group Q1 2026 Earnings Call Insights
- Management Transition: American Integrity Insurance Group welcomes Brian Foley as the new CFO, succeeding Benjamin Lurie, marking a strategic shift in the executive team aimed at enhancing financial management capabilities to support future growth.
- Significant Policy Growth: The company wrote 120 new policies per business day in Q1, a substantial increase from just 6 policies per day in the same period last year, indicating strong demand in the middle-aged home and Tri-County segments, which is expected to further boost market share.
- Robust Financial Performance: The net income available for common shareholders reached $19.9 million, translating to $1.02 per diluted share, with gross premiums written totaling $220 million and net premiums earned increasing by 25.7%, reflecting the company's enhanced competitiveness and profitability.
- Reinsurance Market Improvement: Management anticipates substantial rate softening in the June 1 renewals, although no specific percentage range was provided, emphasizing that improvements in the reinsurance market will support the company's future financial performance.
See More
American Integrity Insurance Group Q1 2026 Financial Highlights
- Earnings Beat: American Integrity Insurance Group reported a Q1 2026 non-GAAP EPS of $1.03, exceeding expectations by $0.03, indicating a robust profitability trend that is likely to positively influence stock performance.
- Significant Revenue Growth: The company achieved revenues of $90.9 million in Q1, surpassing estimates by $0.11 million, reflecting strong market performance and increased customer demand compared to the previous year.
- Policy Count Increase: As of March 31, 2026, the number of policies in force reached 437,308, a 14.1% increase from the same period in 2025, demonstrating steady expansion in customer base and market share.
- Improved Combined Ratio: The combined ratio for Q1 2026 was 75.0%, an improvement from 42.9% in Q1 2025, showcasing effective risk management and profitability strategies that enhance the company's financial health.
See More
American Integrity Insurance Group Appoints New CFO
- Executive Appointment: American Integrity Insurance Group has appointed Brian Foley as CFO, effective April 6, 2026, bringing his investment banking experience from Keefe, Bruyette & Woods, where he advised insurance firms on capital raising and strategic transactions, which is expected to enhance the company's financial management capabilities.
- Succession Plan: Foley succeeds Ben Lurie, who will transition to a consulting role while remaining on the board of the insurance subsidiary and co-chairing the investment committee, ensuring continuity in leadership and alignment in strategic direction.
- Strategic Expansion: The company projects continued organic growth and aims to increase average premiums amid strategic expansion, indicating a pursuit of higher profitability and market share in a competitive landscape.
- Historical Performance: Historical earnings data suggest that with the new CFO's leadership, there is potential for improved financial performance, bolstering investor confidence and supporting future business development.
See More
American Integrity Insurance Appoints New CFO Amid Growth
- Executive Appointment: American Integrity Insurance Group has appointed Brian Foley as Chief Financial Officer effective April 6, 2026, marking a pivotal moment for the company as it continues to expand its market presence following a successful public listing.
- Transition of Former CFO: Former CFO Ben Lurie will transition to a consulting role while remaining on the board of the company's insurance subsidiary, ensuring continuity and stability during this leadership change.
- Extensive Industry Experience: Foley brings over a decade of experience at the intersection of capital markets and the insurance industry, having served as an investment banker at Keefe, Bruyette & Woods, where he was involved in numerous capital raising and strategic transactions, highlighting his strong industry background.
- Future Strategic Goals: CEO Robert Ritchie emphasized that Foley's addition will strengthen the company's financial strategy, deepen investor engagement, and drive sustained shareholder value, reflecting the company's confidence and commitment to future growth.
See More
American Integrity Insurance Group Q4 2025 Earnings Highlights
- Successful IPO: American Integrity Insurance Group completed a successful initial public offering last year, raising $100 million, which lays a solid foundation for future business expansion and demonstrates market confidence in its growth potential.
- Significant Premium Growth: In Q4 2025, the company reported gross premiums earned increased by $29.3 million year-over-year to $229.1 million, reflecting strong growth in customer base and market share, further solidifying its market leadership position.
- Increased Shareholder Returns: The company announced a special cash dividend of $1.02 per share, totaling $20 million, indicating a commitment to returning capital to shareholders while enhancing investor confidence alongside improved profitability.
- Optimistic Future Outlook: Management anticipates continued organic growth with the re-entry into Florida's Tri-County region and the launch of new products, projecting that the reduction in non-cat quota share will drive additional revenue and reduce costs, further enhancing profitability.
See More
American Integrity Insurance Reports Q4 2025 Earnings
- Stable Revenue: American Integrity Insurance (AII) reported revenue of $68.05 million for Q4 2025, unchanged from the same period last year, indicating the company's stability in the market despite no year-over-year growth.
- Earnings Growth: The earnings per share (EPS) came in at $1.11, a significant increase from $0 in the year-ago quarter, reflecting an improvement in the company's profitability that may attract more investor interest.
- Surpassing Expectations: The reported revenue exceeded the Zacks consensus estimate of $61.71 million by 10.28%, while the EPS surpassed the consensus estimate of $0.79 by 40.95%, showcasing the company's strong financial performance.
- Investor Focus: Despite flat revenue, investors are closely monitoring key metrics of the company's financial health to better project stock price performance, reflecting market confidence in the company's future growth.
See More
American Integrity Insurance Group Q1 2026 Earnings Call Insights
- Management Transition: American Integrity Insurance Group welcomes Brian Foley as the new CFO, succeeding Benjamin Lurie, marking a strategic shift in the executive team aimed at enhancing financial management capabilities to support future growth.
- Significant Policy Growth: The company wrote 120 new policies per business day in Q1, a substantial increase from just 6 policies per day in the same period last year, indicating strong demand in the middle-aged home and Tri-County segments, which is expected to further boost market share.
- Robust Financial Performance: The net income available for common shareholders reached $19.9 million, translating to $1.02 per diluted share, with gross premiums written totaling $220 million and net premiums earned increasing by 25.7%, reflecting the company's enhanced competitiveness and profitability.
- Reinsurance Market Improvement: Management anticipates substantial rate softening in the June 1 renewals, although no specific percentage range was provided, emphasizing that improvements in the reinsurance market will support the company's future financial performance.
See More
American Integrity Insurance Group Q1 2026 Financial Highlights
- Earnings Beat: American Integrity Insurance Group reported a Q1 2026 non-GAAP EPS of $1.03, exceeding expectations by $0.03, indicating a robust profitability trend that is likely to positively influence stock performance.
- Significant Revenue Growth: The company achieved revenues of $90.9 million in Q1, surpassing estimates by $0.11 million, reflecting strong market performance and increased customer demand compared to the previous year.
- Policy Count Increase: As of March 31, 2026, the number of policies in force reached 437,308, a 14.1% increase from the same period in 2025, demonstrating steady expansion in customer base and market share.
- Improved Combined Ratio: The combined ratio for Q1 2026 was 75.0%, an improvement from 42.9% in Q1 2025, showcasing effective risk management and profitability strategies that enhance the company's financial health.
See More
American Integrity Insurance Group Appoints New CFO
- Executive Appointment: American Integrity Insurance Group has appointed Brian Foley as CFO, effective April 6, 2026, bringing his investment banking experience from Keefe, Bruyette & Woods, where he advised insurance firms on capital raising and strategic transactions, which is expected to enhance the company's financial management capabilities.
- Succession Plan: Foley succeeds Ben Lurie, who will transition to a consulting role while remaining on the board of the insurance subsidiary and co-chairing the investment committee, ensuring continuity in leadership and alignment in strategic direction.
- Strategic Expansion: The company projects continued organic growth and aims to increase average premiums amid strategic expansion, indicating a pursuit of higher profitability and market share in a competitive landscape.
- Historical Performance: Historical earnings data suggest that with the new CFO's leadership, there is potential for improved financial performance, bolstering investor confidence and supporting future business development.
See More
American Integrity Insurance Appoints New CFO Amid Growth
- Executive Appointment: American Integrity Insurance Group has appointed Brian Foley as Chief Financial Officer effective April 6, 2026, marking a pivotal moment for the company as it continues to expand its market presence following a successful public listing.
- Transition of Former CFO: Former CFO Ben Lurie will transition to a consulting role while remaining on the board of the company's insurance subsidiary, ensuring continuity and stability during this leadership change.
- Extensive Industry Experience: Foley brings over a decade of experience at the intersection of capital markets and the insurance industry, having served as an investment banker at Keefe, Bruyette & Woods, where he was involved in numerous capital raising and strategic transactions, highlighting his strong industry background.
- Future Strategic Goals: CEO Robert Ritchie emphasized that Foley's addition will strengthen the company's financial strategy, deepen investor engagement, and drive sustained shareholder value, reflecting the company's confidence and commitment to future growth.
See More
American Integrity Insurance Group Q4 2025 Earnings Highlights
- Successful IPO: American Integrity Insurance Group completed a successful initial public offering last year, raising $100 million, which lays a solid foundation for future business expansion and demonstrates market confidence in its growth potential.
- Significant Premium Growth: In Q4 2025, the company reported gross premiums earned increased by $29.3 million year-over-year to $229.1 million, reflecting strong growth in customer base and market share, further solidifying its market leadership position.
- Increased Shareholder Returns: The company announced a special cash dividend of $1.02 per share, totaling $20 million, indicating a commitment to returning capital to shareholders while enhancing investor confidence alongside improved profitability.
- Optimistic Future Outlook: Management anticipates continued organic growth with the re-entry into Florida's Tri-County region and the launch of new products, projecting that the reduction in non-cat quota share will drive additional revenue and reduce costs, further enhancing profitability.
See More
American Integrity Insurance Reports Q4 2025 Earnings
- Stable Revenue: American Integrity Insurance (AII) reported revenue of $68.05 million for Q4 2025, unchanged from the same period last year, indicating the company's stability in the market despite no year-over-year growth.
- Earnings Growth: The earnings per share (EPS) came in at $1.11, a significant increase from $0 in the year-ago quarter, reflecting an improvement in the company's profitability that may attract more investor interest.
- Surpassing Expectations: The reported revenue exceeded the Zacks consensus estimate of $61.71 million by 10.28%, while the EPS surpassed the consensus estimate of $0.79 by 40.95%, showcasing the company's strong financial performance.
- Investor Focus: Despite flat revenue, investors are closely monitoring key metrics of the company's financial health to better project stock price performance, reflecting market confidence in the company's future growth.
See More
