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American Integrity Insurance Group, Inc. (AII)
NYSE:AII
Earnings Data
Report Date
Jun 15, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.01Last Year’s EPS
1.95Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted substantial execution and financial improvement: strong top-line growth, record underwriting profitability, large increases in adjusted net income and ROE, a successful IPO, and a special dividend. Management emphasized disciplined underwriting, organic voluntary growth, prudent reinsurance actions (including reducing quota share), and multiple strategic growth initiatives (Tri-County reentry, middle-aged homes, commercial residential, selective out-of-state expansion). Lowlights include high Florida concentration (97% of premium), completion of the large Citizens takeout phase increasing reliance on voluntary growth, modest near-term pressure from primary pricing (management cited ~5% portfolio rate decreases), a Q4 decline in gross written premium tied to fewer takeouts, and an expected modest increase in underlying non-cat losses as mix shifts toward older homes. On balance, positive operational momentum, materially improved profitability, and strengthened capital position outweigh the identified risks.Company Guidance
Successful IPO Strengthens Balance Sheet
Completed initial public offering in May 2025 raising $100 million of gross proceeds, bolstering capital to support growth and underwriting activities.
Significant Top-Line Growth
Gross premiums earned grew nearly 30% year-over-year to $885 million for 2025, driven by voluntary new business and strategic Citizens takeouts.
Large Increase in Adjusted Net Income and EPS
Delivered adjusted net income available to common shareholders of $103 million, or $5.97 per diluted share, up from $37.9 million, or $2.94 per diluted share in prior year.
Record Underwriting Profitability
Achieved a record combined ratio of 63.7% for full-year 2025, a greater than 17-point improvement from 80.9% in 2024, reflecting strong underwriting discipline and a benign catastrophe year.
Strong Returns on Equity
Adjusted return on equity increased to 42.1% in 2025 from 26.8% in 2024; fourth-quarter ROE was 25.6% (adjusted 26.7%) versus 21.2% in Q4 2024.
Customer and Policy Growth
Customer base increased 19% to nearly 422,000 customers; voluntary customer count rose 16% to approximately 327,000 policies with total voluntary production of 104,000 new policies in 2025.
Improved Expense and Loss Metrics in Q4
Q4 2025 combined ratio improved to 62.8% from 88.7% a year earlier; Q4 loss ratio fell to 42.6% from 51.6%; expense ratio improved to 20.2% from 37.1% year-over-year, aided by higher ceding commissions.
Prudent Reinsurance and Capital Actions
Reduced non-cat quota share cession from 40% to 25%, expected to lower quota share costs by ~50% in 2026 and increase net revenue (pro forma would have ceded $155M vs actual $248M and generated $369M revenue vs actual $276M).
Zero Catastrophe Loss Year and Favorable Reinsurance Market
No catastrophe losses in 2025, improving results and positioning the company to benefit from expected risk-adjusted reinsurance rate decreases of roughly 10%–20% for 2026 renewals.
Capital Return to Shareholders
Board declared special cash dividend of $1.02 per share aggregating to $20 million, signaling confidence in capital position after an exceptionally profitable year.
American Integrity Insurance Group, Inc. (AII) Earnings, Revenues Date & History
AII Earnings History
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 |
|---|---|---|---|
Feb 24, 2026 | $18.19 | $20.07 | +10.34% |
Nov 11, 2025 | $26.19 | $24.48 | -6.53% |
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.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is AII EPS forecast?
AII EPS forecast for the fiscal quarter 2026 (Q1) is 1.01.