American Integrity Insurance Group, Inc. (AII)
NYSE:AII
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Earnings Data
Report Date
Aug 18, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.9Last Year’s EPS
1.84Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlights strong operational momentum: robust policy growth, broad-based channel expansion, rapid re‑entry into large Florida segments (Tri-County and middle-aged homes), geographic expansion, higher net premiums earned (+25.7%), and an improving reinsurance outlook for the June 1 renewal. Offsetting these positives are a sizable year-over-year decline in net income/EPS (impacted by prior-year Citizens takeout dynamics), notable increases in loss and expense metrics (loss ratio, expense ratio, combined ratio) driven by growth and a structural reduction in quota share ceding. Management positions many negatives as transitional or structural changes that support longer-term earnings power. Overall the call conveys confidence in durable, disciplined growth with anticipated reinsurance tailwinds, while acknowledging near-term earnings and expense headwinds.Company Guidance
Double-digit Policy Growth and Strong Production
Policies in force exceeded 437,000, ~14% year-over-year growth; the company wrote over 94,000 new and renewal voluntary policies in Q1 with retention ~83.6%.
Voluntary Customer Growth and Multichannel Momentum
Voluntary customer growth of 18% year-over-year; independent agents +~9%, company alliances +~40%, builders +>38%, national accounts +>40%, demonstrating broad-based growth across channels.
Substantial Acceleration in Target Markets (Tri-County & Middle-Aged Homes)
Wrote 120 new policies per business day in reentered Tri-County / middle-aged home markets vs 6 per day a year ago (20x increase); Tri-County contributed ~25% of Florida voluntary new business GWP (up from low single digits); middle-aged HO3 (ex-Tri-County) also ~25% of Florida voluntary new business GWP (up from low single digits).
Geographic Expansion Progress
Expansion states showing early traction: South Carolina policies in force +119% YoY, Georgia +332% YoY; North Carolina entry produced 360 policies in the third quarter since entry; expansion states represent <4% of in-force premium but show portability of the model.
Premiums and Net Earned Premiums Increased
Gross premiums written $220.0M vs $212.2M prior year (+3.7%); gross premiums earned $230.8M (up $20.6M YoY); net premiums earned increased 25.7% to $82.2M from $65.4M driven by voluntary growth and a reduction in quota share ceding.
Improved Reinsurance Market Outlook
Management expects meaningful reinsurance pricing improvement at the June 1 renewal with substantial rate softening and improved terms driven by broader market normalization and Florida litigation reform.
Capital Position and Shareholder Return
Shareholders' equity remained strong at $335.5M; company returned $20M via a special dividend and emphasized disciplined capital management with growth as the top priority.
New Product Traction
Early progress in commercial residential product with 81 policies written in Q1 and continued product expansion across homeowner lines to address ~9 million Florida homes on the company's terms.
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 |
|---|---|---|---|
May 12, 2026 | $19.60 | $16.87 | -13.93% |
Feb 24, 2026 | $17.23 | $19.01 | +10.33% |
Nov 11, 2025 | $24.81 | $23.19 | -6.53% |
Aug 12, 2025 | $16.83 | $16.66 | -1.02% |
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 Aug 18, 2026, After Close (Confirmed).
What is American Integrity Insurance Group, Inc. (AII) earnings time?
American Integrity Insurance Group, Inc. (AII) earnings time is at Aug 18, 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 (Q2) is 0.9.