American Integrity Insurance Group, Inc. ( (AII) ) has released its Q3 earnings. Here is a breakdown of the information American Integrity Insurance Group, Inc. presented to its investors.
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American Integrity Insurance Group, Inc. is a Tampa-based property and casualty insurance holding company, primarily providing residential property insurance in Florida. The company is recognized for its innovative and reliable coverage solutions tailored to homeowners in the Southeast.
In its third quarter of 2025 earnings report, American Integrity Insurance Group, Inc. announced a significant increase in net income and gross premiums, reflecting a strong performance following its recent initial public offering. The company reported a net income of $13.2 million, or $0.67 per diluted share, and adjusted net income of $14.0 million, or $0.71 per diluted share.
Key financial highlights for the quarter include a 48.5% increase in gross premiums written, reaching $239.1 million, and a 28.5% rise in net premiums earned. The company also reported a substantial improvement in its combined ratio, which decreased to 78.9% from 94.3% in the same quarter of the previous year. Additionally, net investment income saw an 83.8% increase, amounting to $6.9 million, driven by increased invested assets and IPO proceeds.
The company attributes its robust performance to strategic distribution partnerships, favorable market conditions, and legislative reforms in Florida. American Integrity has also expanded its market presence by re-entering the Tri-County region and targeting the middle-aged home segment, alongside its recent entry into the commercial residential market.
Looking ahead, American Integrity Insurance Group, Inc. remains committed to disciplined underwriting and prudent risk management. The company is optimistic about its growth prospects and aims to continue delivering long-term value to shareholders by capitalizing on new market opportunities and maintaining a strong foundation anchored in integrity and resilience.