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American Integrity Insurance Group, Inc.

AII

$21.03 ▼ -0.14 (-0.66%) at close

10 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

American Integrity Insurance Group, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $411.7M

Dividend Yield 4.85%

Revenue Growth 26.5% ↗

Op. Margin 30.0% ↘

ROIC None

FCF / Share None

Trailing P/E 20.6x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.00

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$90.93M

↑ +26.5% —

Net Income Profit after all expenses

$19.91M

↓ -47.7% —

Operating Margin Operating profit as % of sales

30.0%

↓ -30.3% 94th

Long-Term Debt Long-term obligations

$515.00K

↓ -16.7% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.02 Latest / share

Q4 FY2023

Q1 FY2024

Q2 FY2024

Q3 FY2024

Q4 FY2024

Q1 FY2025

Q2 FY2025

Q3 FY2025

Q4 FY2025

$1.02

Q1 FY2026

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Jun 1, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue Growth YoY (%)	26.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+342%)	1.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	33.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+454%)	60.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+910%)	62.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+937%)	—	—	—	—	—
EPS Growth YoY (%)	-99.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	57.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	103.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	48.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	209.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	-47.7% Weak ↓ Weak Declining Year-over-year change in net income	148.5% Excellent ↓ Excellent Declining Year-over-year change in net income	191.7% Excellent ↑ Excellent Improving Year-over-year change in net income	86.7% Excellent Excellent Year-over-year change in net income	214.7% Excellent Excellent Year-over-year change in net income	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Jun 1, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Operating Margin (%) (%)	30.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	43.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	30.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	32.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	59.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+139%)	16.0% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	14.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	44.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	30.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	—
Effective Tax Rate (%) (%)	26.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-14.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.9% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	21.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	30.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	21.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	36.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	53.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+141%)	12.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	9.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	31.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	27.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Jun 1, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	5.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	4.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	—	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	2.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	9.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Jun 1, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Debt to Equity (x)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	0.01x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Jun 1, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue per Share (USD)	$4.64	—	$3.17	$4.39	$584.91	—	$3.61	$3.59	$360.52	—
Basic EPS, GAAP (USD)	$1.02	$0.99	$0.67	$1.62	$292.15	$0.63	$0.33	$1.09	$94.27	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.02	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$17.13	$17.21	$16.14	$17.80	—	$12.58	$11.97	$11.54	—	—
Tangible Book Value per Share (USD)	$17.13	$17.21	$16.14	$17.80	—	$12.58	$11.97	$11.54	—	—
Basic Weighted Avg Shares (shares)	19.58M	—	19.57M	16.96M	122,900	—	12.90M	12.90M	122,900	—
Dividend Payout Ratio (%)	100.0% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Jun 1, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$515.00K	$618.00K	$721.00K	$824.00K	$926.00K	$1.03M	—	—	—	—
Total Equity (USD)	$335.48M	$337.02M	$315.88M	$301.87M	—	$162.39M	$154.44M	$148.89M	—	$133.97M

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Jun 1, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Sales/Revenue/Turnover (USD)	$90.93M	$68.07M	$62.03M	$74.50M	$71.89M	$67.12M	$46.54M	$46.38M	$44.31M	—
Depreciation Expense (USD)	$595.00K	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$19.91M	$20.87M	$13.16M	$27.49M	$38.10M	$8.40M	$4.51M	$14.72M	$12.11M	—
Operating Cash Flow (USD)	$6.79M	$50.19M	$-7.48M	$27.40M	$68.08M	$152.70M	$-31.01M	$47.37M	$-20.15M	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Jun 1, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Premiums Earned (USD)	$82.21M	—	$52.00M	$433.30M	$65.40M	$433.30M	$40.46M	$40.52M	$39.28M	—
Loss Ratio (%) (%)	38.6%	—	57.0%	4.9%	31.9%	—	61.8%	31.2%	51.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 3 years · 10 quarters

American Integrity Insurance Group, Inc.

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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