American Integrity Reports Q4 Revenue of $68.075M, Exceeding Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 2 days ago
0mins
Should l Buy AII?
Reports Q4 revenue $68.075M, consensus $61.71M. Robert Ritchie, CEO, commented, "This past year has marked a defining chapter in our Company's history. In May, we completed our successful initial public offering, having raised $100M in gross proceeds - a milestone that not only strengthened our balance sheet but sent a message that American Integrity is a company built for scale, resilience and long-term growth. Our full year results are a further testament to the strength of our business, as we ended 2025 with almost 422,000 policies in-force, having surpassed 400,000 policies this past August, a significant milestone in our Company's history. More than a statistic, this is a statement. Surpassing 400,000 policies tells our customers, our distribution partners and our investors that we're not just growing - we're building something enduring. This milestone reinforces our role as a market leader in Florida's property insurance market. With strong underwriting discipline, deep reinsurance partnerships and a focus on service excellence, we have scaled our business both responsibly and profitably."
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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: 20.070
Low
27.00
Averages
28.00
High
29.00
Current: 20.070
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 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 Q4 Earnings Beat Expectations
- Strong Earnings Performance: American Integrity Insurance Group reported a Q4 non-GAAP EPS of $1.11, exceeding expectations by $0.31, which reflects the company's robust profitability and boosts investor confidence.
- Stable Revenue Growth: The company achieved revenue of $68.07 million in Q4, marking a 1.4% year-over-year increase and surpassing market expectations by $6.36 million, indicating its ability to maintain steady revenue growth in a competitive insurance market.
- Positive Market Reaction: The stock reacted positively to the earnings beat, potentially driving up the share price and enhancing the company's market valuation and investment appeal.
- Optimistic Future Outlook: The consistent earnings growth and revenue performance exceeding expectations suggest potential for future business expansion and market share increase, further solidifying its competitive position in the insurance industry.
See More
American Integrity Insurance Group Reports Strong 2025 Financial Results Post-IPO
- Successful IPO and Funding: American Integrity Insurance Group completed its IPO in May 2025, raising $100 million, significantly strengthening its balance sheet and signaling its potential for scale, resilience, and long-term growth.
- Significant Policy Growth: As of December 31, 2025, the company reached 421,866 policies in force, an 18.5% increase from 2024, marking a milestone that not only reflects market leadership but also boosts confidence among customers and partners.
- Strong Financial Performance: The net income for Q4 2025 was $20.9 million, a 148.5% increase year-over-year, primarily driven by new policy underwriting and improved underwriting performance, showcasing the company's profitability in a competitive market.
- Ongoing Expansion Strategy: The company plans to further penetrate the Tri-county region of Florida and North Carolina while launching a commercial residential product, which is expected to provide multiple growth drivers and create substantial shareholder value in the future.
See More
US Accelerates Critical Minerals Policy Transformation
- Policy Shift and Capital Injection: The US has initiated Project Vault, a landmark public-private initiative backed by a $10 billion Export-Import Bank loan and $2 billion in private capital, aimed at establishing a strategic reserve of 60 critical minerals, which is expected to significantly enhance the stability of domestic critical mineral supply chains.
- Surge in Silver Investment: Physical silver investment is forecasted to increase by 20% in 2026, reaching a three-year high of 227 million ounces, despite the market facing its sixth consecutive annual supply deficit, positioning mining companies like GoldHaven and Almonty Industries to benefit.
- Copper Price Historical High: In January 2026, copper prices on the London Metal Exchange hit $13,238 per tonne, a historical high, with Citigroup projecting prices could approach $15,000 per tonne if supply shortages persist, which would enhance profitability for related mining firms.
- GoldHaven Financing Plan: GoldHaven Resources announced a $2 million critical mineral financing plan, intending to issue 7,547,170 flow-through shares to advance its Magno polymetallic project in British Columbia, with proceeds expected to fund drilling and geological modeling through 2026.
See More
Global Silver Market Faces Intensifying Supply Deficit
- Supply-Demand Imbalance: The global silver market is facing its fifth consecutive year of supply deficit, with industrial consumption outpacing mine production, leading to silver prices surpassing $100 per ounce, attracting investor interest in companies capable of rapid production.
- Monetizing Historic Stockpiles: Americore Resources is evaluating options to monetize historic surface stockpiles at its Trinity Silver Project in Nevada, potentially containing approximately 400,000 ounces of silver in oxide and 365,000 ounces in sulfide, aiming for near-term cash flow through expedited processing pathways.
- Capital Flow Shift: The global mining industry has shifted towards brownfield development, with capital now flowing primarily into existing mine infrastructure rather than speculative greenfield projects, with brownfield restarts delivering production timelines 50% to 70% faster, providing structural advantages for companies with historic stockpiles.
- Strategic Land Expansion: Americore has aggressively expanded its land position over recent months, now controlling approximately 22,700 acres of prospective ground, which is expected to triple its resource base to 36 million ounces of silver equivalent, enhancing future production potential.
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 Q4 Earnings Beat Expectations
- Strong Earnings Performance: American Integrity Insurance Group reported a Q4 non-GAAP EPS of $1.11, exceeding expectations by $0.31, which reflects the company's robust profitability and boosts investor confidence.
- Stable Revenue Growth: The company achieved revenue of $68.07 million in Q4, marking a 1.4% year-over-year increase and surpassing market expectations by $6.36 million, indicating its ability to maintain steady revenue growth in a competitive insurance market.
- Positive Market Reaction: The stock reacted positively to the earnings beat, potentially driving up the share price and enhancing the company's market valuation and investment appeal.
- Optimistic Future Outlook: The consistent earnings growth and revenue performance exceeding expectations suggest potential for future business expansion and market share increase, further solidifying its competitive position in the insurance industry.
See More
American Integrity Insurance Group Reports Strong 2025 Financial Results Post-IPO
- Successful IPO and Funding: American Integrity Insurance Group completed its IPO in May 2025, raising $100 million, significantly strengthening its balance sheet and signaling its potential for scale, resilience, and long-term growth.
- Significant Policy Growth: As of December 31, 2025, the company reached 421,866 policies in force, an 18.5% increase from 2024, marking a milestone that not only reflects market leadership but also boosts confidence among customers and partners.
- Strong Financial Performance: The net income for Q4 2025 was $20.9 million, a 148.5% increase year-over-year, primarily driven by new policy underwriting and improved underwriting performance, showcasing the company's profitability in a competitive market.
- Ongoing Expansion Strategy: The company plans to further penetrate the Tri-county region of Florida and North Carolina while launching a commercial residential product, which is expected to provide multiple growth drivers and create substantial shareholder value in the future.
See More
US Accelerates Critical Minerals Policy Transformation
- Policy Shift and Capital Injection: The US has initiated Project Vault, a landmark public-private initiative backed by a $10 billion Export-Import Bank loan and $2 billion in private capital, aimed at establishing a strategic reserve of 60 critical minerals, which is expected to significantly enhance the stability of domestic critical mineral supply chains.
- Surge in Silver Investment: Physical silver investment is forecasted to increase by 20% in 2026, reaching a three-year high of 227 million ounces, despite the market facing its sixth consecutive annual supply deficit, positioning mining companies like GoldHaven and Almonty Industries to benefit.
- Copper Price Historical High: In January 2026, copper prices on the London Metal Exchange hit $13,238 per tonne, a historical high, with Citigroup projecting prices could approach $15,000 per tonne if supply shortages persist, which would enhance profitability for related mining firms.
- GoldHaven Financing Plan: GoldHaven Resources announced a $2 million critical mineral financing plan, intending to issue 7,547,170 flow-through shares to advance its Magno polymetallic project in British Columbia, with proceeds expected to fund drilling and geological modeling through 2026.
See More
Global Silver Market Faces Intensifying Supply Deficit
- Supply-Demand Imbalance: The global silver market is facing its fifth consecutive year of supply deficit, with industrial consumption outpacing mine production, leading to silver prices surpassing $100 per ounce, attracting investor interest in companies capable of rapid production.
- Monetizing Historic Stockpiles: Americore Resources is evaluating options to monetize historic surface stockpiles at its Trinity Silver Project in Nevada, potentially containing approximately 400,000 ounces of silver in oxide and 365,000 ounces in sulfide, aiming for near-term cash flow through expedited processing pathways.
- Capital Flow Shift: The global mining industry has shifted towards brownfield development, with capital now flowing primarily into existing mine infrastructure rather than speculative greenfield projects, with brownfield restarts delivering production timelines 50% to 70% faster, providing structural advantages for companies with historic stockpiles.
- Strategic Land Expansion: Americore has aggressively expanded its land position over recent months, now controlling approximately 22,700 acres of prospective ground, which is expected to triple its resource base to 36 million ounces of silver equivalent, enhancing future production potential.
See More
