The earnings call reflects a company experiencing robust growth in policies and strong financial performance, with a strategic focus on expanding market share and product offerings. However, there are concerns about some unfavorable reserve development and the potential impact of legislative changes. Overall, the company's strong growth and solid financial metrics indicate a positive outlook.

Company Guidance

During the American Integrity Insurance Group's third-quarter 2025 earnings call, CEO Bob Ritchie highlighted the company's strong performance and strategic growth initiatives. With 26,493 policies in force in Florida's Tri-County region, comprising 6.5% of their portfolio, the company is poised for further growth. Their focus on underwriting quality and expense discipline has resulted in a 25% increase in new policies year-over-year, reaching 315,000 voluntary policies and a total of 406,000 policies in force, up 49% from the previous year. Financially, gross premiums written rose by 49% to $239 million, with net premiums earned increasing by 28% to $52 million. The combined ratio improved to 79% from 94% the previous year, and net income was reported at $13 million, or $0.67 per diluted share. American Integrity continues to leverage its strengths in the Florida market while expanding into new territories like North Carolina, anticipating prudent growth with disciplined underwriting practices.

Significant Policy Growth

The company wrote 25,985 new policies in the voluntary market in Q3 2025, bringing the year-to-date total to over 78,000, a 25% increase over the same period in 2024. Overall, policy count increased 49% over the past year to 406,000 policies.

Strong Financial Performance

Gross premiums written increased by 49% to $239 million compared to $161 million in Q3 2024. Net premiums earned increased by 28% to $52 million compared to $40 million in Q3 2024. Net income available to common shareholders was $13 million, and adjusted net income was $14 million.

Favorable Loss Ratios

Non-cat losses are at $0.17 per dollar of gross premium, in line with expectations. The company anticipates a potentially loss-free year for catastrophe losses, which would be beneficial for reinsurance renewals.

Positive Market Expansion

Expansion into the Tri-County region of Florida and increasing focus on middle-aged homes. New commercial residential product launched in October 2025.

American Integrity Insurance Group, Inc. (AII) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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AII Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jun 15, 2026	2026 (Q1)	- / -	1.946	―	―	―
Nov 11, 2025	2025 (Q3)	0.64 / 0.71	―	―	―
Aug 12, 2025	2025 (Q2)	1.68 / 1.84	―	―
Jun 09, 2025	2025 (Q1)	1.93 / 1.95	94.264	-97.94% (-92.32)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

AII Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Nov 11, 2025	$26.19	―	―
Aug 12, 2025	$17.77	$17.59	-1.01%
Jun 09, 2025	$17.00	$16.41	-3.47%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does American Integrity Insurance Group, Inc. (AII) report earnings?

American Integrity Insurance Group, Inc. (AII) is schdueled to report earning on Jun 15, 2026, After Close (Confirmed).

What is American Integrity Insurance Group, Inc. (AII) earnings time?

American Integrity Insurance Group, Inc. (AII) earnings time is at Jun 15, 2026, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

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What is AII EPS forecast?

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