American Integrity Insurance Group, Inc.

American Integrity Insurance Group, Inc.

AII · NYSE · Financial Services / Insurance - Property & Casualty

27.92USD-0.50 (-1.76%)

Price History

Full chart

Market Stats

Previous Close28.42
Open28.82
Day Range27.55 – 29.33
52-Week Range16.19 – 27.00
Volume224.54K
Market Cap496.30M
P/E (TTM)5.90
Forward P/E7.90
EPS4.29
Dividend Yield5.28%
50-Day Avg23.28
200-Day Avg19.93

About

American Integrity Insurance Group, Inc., together with its subsidiaries, operates as an insurance company in the United States. The company offers personal residential property insurance for single-family homeowners and condominium owners, as well as coverage for vacant dwellings and investment properties. It also provides manufactured home, commercial residential, dwelling property, and specialty insurance products. In addition, the company offers optional endorsements that provide higher levels of standard coverage and optional coverage, such as personal injury, animal liability, identity recovery, and golf cart physical; and flood insurance products. It distributes its products through the Voluntary Market, which includes partnerships with independent agents, national and regional insurance companies, homebuilder-affiliated agents, and direct-to-consumer channels. American Integrity Insurance Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Robert Craig Ritchie
  • Employees313
  • Headquarters3000 Bayport Drive, Tampa, FL, United States, 33607, USA
  • Websitehttps://www.aii.com

Leadership

  • Mr. Robert Craig RitchieFounder, CEO & Director · b. 1959
  • Mr. Jon Phillip RitchiePresident · b. 1985
  • Mr. Brian Edward FoleyCFO, Secretary & Treasurer · b. 1991
  • Mr. Steve W. BiggsChief Accounting Officer · b. 1974
  • Mr. Dick DowdExecutive Vice President of Sales & Marketing
  • Ms. Angie QuinnExecutive VP & Chief Human Resources Officer
  • Ms. Toni LoganSenior Vice President of Marketing
  • Mr. Wei XieSenior Vice President of Pricing & Product
  • Mr. Patrick MadiganSenior Vice President of Underwriting & Client Services
  • Mr. Brent RadeloffExecutive Vice President of Product, Pricing & Underwriting

Financials

Income Statement

Currency: USD2023-12-312024-12-312025-12-31
Total Revenue200.87M204.35M276.49M
Growth (%)-+1.73%+35.30%
Cost of Revenue122.00M122.36M98.03M
Gross Profit78.87M81.99M178.45M
Gross Margin39.26%40.12%64.54%
Operating Expense34.11M30.95M63.39M
Operating Income44.76M51.04M115.06M
Operating Margin22.28%24.98%41.61%
EBITDA45.98M53.88M117.34M
EBITDA Margin22.89%26.37%42.44%
Net Income37.80M39.74M99.62M
Net Income Margin18.82%19.45%36.03%

Balance Sheet

Currency: USD2023-12-312024-12-312025-12-31
Total Assets862.03M1.20B1.23B
Total Liabilities728.07M1.04B888.05M
Total Equity133.97M162.39M337.02M
Cash61.65M173.22M203.90M
Total Debt6.08M3.64M1.08M
Net Debt-55.56M-169.58M-202.83M

Cash Flow

Currency: USD2023-12-312024-12-312025-12-31
Operating Cash Flow64.44M148.91M138.19M
Investing Cash Flow-1.84M-19.37M-135.08M
Financing Cash Flow-2.35M-12.44M61.73M
Capital Expenditure756.00K1.31M5.02M
Free Cash Flow63.68M147.60M133.18M
Dividends Paid1.84M12.02M22.88M
FCF to OCF98.83%99.12%96.37%
Dividend Paid to FCF2.88%8.15%17.18%

Earnings

Report DateJun 9, 2025Aug 12, 2025Nov 11, 2025Feb 24, 2026May 13, 2026Aug 11, 2026Nov 10, 2026
EPS Estimate2.851.680.360.771.000.810.05
EPS Actual1.951.840.671.071.021.78-
Surprise-31.58%9.52%86.11%38.96%1.49%119.75%-
Timing-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours

Key Statistics & Ratios

Market Cap496.30M
Enterprise Value234.27M
Trailing P/E5.90
Forward P/E7.90
Price / Sales1.48
Price / Book1.32
EPS4.29
Book Value18.86
Revenue (TTM)336.20M
Gross Profit (TTM)169.89M
EBITDA122.30M
Profit Margin26.20%
Operating Margin40.31%
Return on Equity26.24%
Return on Assets4.69%
Shares Outstanding19.59M
Shares Float12.17M
Dividend Yield5.28%
Dividend Rate0.00
Payout Ratio22.48%

Ownership Breakdown

Institutions
59.64%
Insiders
36.88%
Retail / Other
3.48%

Top Institutional Holders

  • Boston Partners Global Investors, Inc
    1.53M7.79%
  • Wasatch Advisors LP
    1.26M6.43%
  • Mink Brook Asset Management LLC
    977.97K4.99%
  • BlackRock Inc
    749.89K3.83%
  • Pacific Ridge Capital Partners, LLC
    579.44K2.96%
  • Freestone Grove Partners LP
    559.20K2.85%
  • Manufacturers Life Insurance Co
    477.78K2.44%
  • Vanguard Capital Management, LLC
    454.83K2.32%
  • Two Sigma Investments LLC
    293.64K1.50%
  • Bank of America Corp
    293.44K1.50%
  • American Century Companies Inc
    282.45K1.44%
  • Geode Capital Management, LLC
    265.68K1.36%
  • Citadel Advisors Llc
    216.15K1.10%

Top Fund Holders

  • Wasatch Micro Cap
    609.26K3.11%
  • Column Small Cap Select
    486.32K2.48%
  • Vanguard MStar Total Stk Mkt Idx Invest
    368.69K1.88%
  • Wasatch Micro Cap Value
    352.74K1.80%
  • iShares Russell 2000 ETF
    338.61K1.73%
  • Avantis US Small Cap Value ETF
    301.77K1.54%
  • Adara Smaller Companies
    228.50K1.17%

Dividends

20261×
1.02Mar 16, 2026