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Home CompaniesAmerican Integrity Insurance Group, Inc.

American Integrity Insurance Group, Inc.

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
26.95 USD -0.13 ( 0.48%)
Last update at 2026-11-06T21:00:00Z
VOLUME
266015
Market Cap
514.33M
P/E
6.21

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
26.12
Low
27.30
High
52 Week Price Range
16.19
Low
27.00
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

American Integrity Insurance Group, Inc. is a Florida-focused property and casualty insurer writing homeowners, dwelling fire and related personal lines via independent agents and direct channels. Long-term growth may be supported by rate adequacy, premium growth in a high-cost market and disciplined underwriting with efforts to diversify products or geographies. Investors may find the company attractive for its focused market niche and underwriting track record.

Key risks include concentrated exposure to Florida hurricanes and catastrophe losses, reserve volatility, regulatory and rate-setting uncertainty, and competition within the state's insurance market.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
27.08
Dividend Yield
-
Revenue TTM
336.20M
Revenue Per Share
17.29
Gross Profit TTM
169.89M
Debt / Equity
0.00
ROE
26.24%
Net Debt
-202.83M
ROCE
9.41%
Diluted EPS TTM
4.23

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31
Type yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31
Income before tax 115.06M 51.04M 44.76M
Net income 99.62M 39.74M 37.80M
Selling general administrative 41.95M 30.95M 34.11M
Gross profit 178.45M 81.99M 78.87M
Reconciled depreciation 2.28M 2.84M 1.22M
Ebit 115.06M 51.04M 44.76M
Ebitda 117.34M 53.88M 45.98M
Depreciation and amortization 2.28M 2.84M 1.22M
Operating income 115.06M 51.04M 44.76M
Other operating expenses 161.43M 153.31M 156.12M
Tax provision 15.44M 11.30M 6.96M
Income tax expense 15.44M 11.30M 6.96M
Total revenue 276.49M 204.35M 200.87M
Total operating expenses 63.39M 30.95M 34.11M
Cost of revenue 98.03M 122.36M 122.00M
Total other income expense net 0.89M 0.61M 0.92M
Net income from continuing ops 99.62M 39.74M 37.80M
Net income applicable to common shares - 38.03M 36.12M
Breakdown 2025-12-31 2024-12-31 2023-12-31
Type yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31
Total assets 1225.07M 1198.14M 862.03M
Other current assets - -775.94M 225.93M
Total liab 888.05M 1035.75M 728.07M
Total stockholder equity 337.02M 162.39M 133.97M
Other current liab - 20.06M 5.14M
Common stock 0.02M 10.29M 10.29M
Capital stock 0.02M 10.29M 10.29M
Retained earnings 229.18M 152.43M 124.71M
Other assets 961.34M 1198.14M 0.52M
Cash 203.90M 173.22M 61.65M
Cash and equivalents - 173.22M 61.65M
Total current liabilities 2.68M 88.69M 66.61M
Net debt -202.83M -169.58M -55.56M
Short term debt - 0.41M 0.41M
Short long term debt - 0.41M 0.41M
Short long term debt total 1.08M 3.64M 6.08M
Other stockholder equity 105.90M -0.33M -1.03M
Property plant equipment - 4.34M 5.82M
Total current assets 248.93M 1044.20M 845.56M
Long term investments 348.61M 214.04M 195.16M
Short term investments 170.45M 89.03M 195.16M
Net receivables 45.03M 513.69M 362.83M
Long term debt 0.62M 0.62M 1.03M
Accounts payable 78.53M 56.35M 61.06M
Accumulated other comprehensive income 1.93M -0.33M -1.03M
Non currrent assets other -366.73M -218.39M 205.82M
Non current assets total 14.80M 153.95M 16.48M
Capital lease obligations 0.46M 2.61M 4.64M
Long term debt total - 0.62M 1.03M
Breakdown 2025-12-31 2024-12-31 2023-12-31
Type yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31
Investments -130.06M -19.37M -1.84M
Total cashflows from investing activities -135.08M -19.37M -1.84M
Net borrowings -0.41M -0.41M -0.52M
Total cash from financing activities 61.73M -12.44M -2.35M
Net income 99.62M 39.74M 37.80M
Change in cash 64.85M 117.10M 60.24M
Begin period cash flow 179.27M 62.17M 1.92M
End period cash flow 244.12M 179.27M 62.17M
Total cash from operating activities 138.19M 148.91M 64.44M
Issuance of capital stock 93.00M 0.00M -
Depreciation 2.28M 2.84M 1.22M
Other cashflows from investing activities - -18.06M -1.08M
Dividends paid 22.88M 12.02M 1.84M
Change to account receivables 6.56M -14.82M -7.94M
Other cashflows from financing activities -4.16M -12.02M -1.84M
Capital expenditures 5.02M 1.31M 0.76M
Change in working capital 36.78M 110.64M 93.71M
Stock based compensation 10.61M 0.00M -
Other non cash items -0.48M -2.20M -69.40M
Free cash flow 133.18M 147.60M 63.68M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
AII
American Integrity Insurance Group, Inc.		 -0.13
0.48%		 26.95 6.21 8.38 1.53 1.41 0.79
CB
Chubb Ltd		 -6.61
1.78%		 365.02 12.11 11.83 2.13 1.75 2.45
PGR
Progressive Corp		 -5.41
2.32%		 227.77 11.10 13.55 1.41 3.74 1.50
TKOMF
Tokio Marine Holdings Inc.		 -
-%		 3.80 28.94 12.24 0.01 1.87 1.61
TKOMY
Tokio Marine Holdings Inc		 -0.14
3.59%		 3.63 28.73 12.25 0.01 1.87 1.61

Profile*

American Integrity Insurance Group, Inc.

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.

3000 Bayport Drive, Tampa, FL, United States, 33607

813 880 7000

https://www.aii.com

313

Name Title Year Born
Mr. Robert Craig Ritchie Founder, CEO & Director 1960
Mr. Jon Phillip Ritchie President 1986
Mr. Steve W. Biggs Chief Accounting Officer 1974
Mr. Dick Dowd Executive Vice President of Sales & Marketing NA
Ms. Angie Quinn Executive VP & Chief Human Resources Officer NA
Ms. Toni Logan Senior Vice President of Marketing NA
Mr. Wei Xie Senior Vice President of Pricing & Product NA
Mr. Patrick Madigan Senior Vice President of Underwriting & Client Services NA
Mr. Brent Radeloff Executive Vice President of Product, Pricing & Underwriting NA
Mr. Jerry Higgins Senior Vice President of IT NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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