Company Reports Q1 Revenue of $90.93M, Beating Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: May 12 2026
0mins
Reports Q1 revenue $90.93M, consensus $90.79M. Robert Ritchie, Chief Executive Officer, commented, "We are very pleased with our performance in the first quarter of 2026, which reflects a strong start to the year and continued momentum in our core business. Our results are increasingly being driven by voluntary production, providing a more durable and repeatable foundation for growth as we move forward. We are also seeing meaningful traction across our strategic growth initiatives, including our re-entry into the Tri-County market, our expansion back into the middle-aged home market, and the early development of our commercial residential product - areas where we believe we have a clear competitive advantage. At the same time, we remain focused on disciplined execution, underwriting quality, and maintaining a balanced reinsurance program, and with a strong balance sheet and multiple growth opportunities, we believe we are well positioned to continue delivering consistent, profitable growth over time."
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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: 16.770
Low
27.00
Averages
28.00
High
29.00
Current: 16.770
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 Completes Reinsurance Program
- Successful Reinsurance Program: American Integrity Insurance Group has successfully completed its 2026-2027 catastrophe excess of loss reinsurance program with a coverage amount of $2.99 billion, reflecting a 15.8% increase from 2025, indicating strong growth potential in the insurance market.
- Risk-Adjusted Pricing Advantage: The reinsurance program benefits from a 15-20% decline in risk-adjusted pricing in the U.S. property catastrophe market, allowing the company to reduce net retention risk while enhancing financial stability and competitiveness.
- Premium Expenditure Expectations: The expected reinsurance premium expenditure for the 2026 treaty year is projected to be between $430 million and $440 million, demonstrating the company's strategic decision-making in expanding its business and managing potential risks.
- Improved Market Conditions: Favorable market conditions due to a healthy reinsurance market and successful Florida legislative reforms have strengthened the renewal process, further solidifying the company's leadership position in the residential property insurance sector.
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 Completes Reinsurance Program
- Successful Reinsurance Program: American Integrity Insurance Group has successfully completed its 2026-2027 catastrophe excess of loss reinsurance program with a coverage amount of $2.99 billion, reflecting a 15.8% increase from 2025, indicating strong growth potential in the insurance market.
- Risk-Adjusted Pricing Advantage: The reinsurance program benefits from a 15-20% decline in risk-adjusted pricing in the U.S. property catastrophe market, allowing the company to reduce net retention risk while enhancing financial stability and competitiveness.
- Premium Expenditure Expectations: The expected reinsurance premium expenditure for the 2026 treaty year is projected to be between $430 million and $440 million, demonstrating the company's strategic decision-making in expanding its business and managing potential risks.
- Improved Market Conditions: Favorable market conditions due to a healthy reinsurance market and successful Florida legislative reforms have strengthened the renewal process, further solidifying the company's leadership position in the residential property insurance sector.
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
