American Integrity Insurance Group, Inc., together with its subsidiaries, operates as an insurance company in the United States. The company offers personal ...
Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer
Est. EPS $-0.03 · Revenue $257.69M · 4 analysts
Est. EPS $1.01 · Revenue $218.47M · 5 analysts
Est. EPS $3.78 · Revenue $1.02B · 4 analysts
Est. EPS $1.14 · Revenue $246.57M · 3 analysts
$0.00 per share
$0.00 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $276.5M | +35.3% | +26.7% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $99.6M | +150.7% | +71.5% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +64.5% | +60.9% | +9.4% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +41.6% | +66.6% | +34.5% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +36.0% | +85.3% | +35.4% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $133.2M | -9.8% | +2150.1% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +48.2% | -33.3% | +1676.5% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 0.3% | -85.8% | -98.9% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 92.89x | +599.7% | +20728.3% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $1.2B | +2.2% | +37.2% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 5.65 vs 5.43 | +4.1% | 1.74 vs 0.88 | +97.0% |
| Revenue Surprise | $276.5M vs $916.9M | -69.8% | $115.2M vs $282.7M | -59.3% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 31, 2026 | Ritchie Robert C | director, officer: Chief Executive Officer | Common Stock | D | 9,174 | $25.92 |
| Aug 28, 2026 | Ritchie Robert C | director, officer: Chief Executive Officer | Common Stock | D | 6,000 | $26.50 |
| Aug 27, 2026 | Ritchie Robert C | director, officer: Chief Executive Officer | Common Stock | D | 10,000 | $26.35 |
| Aug 26, 2026 | Ritchie Robert C | director, officer: Chief Executive Officer | Common Stock | D | 54,365 | $26.63 |
| Aug 25, 2026 | Ritchie Robert C | director, 10 percent owner, officer: Chief Executive Officer | Common Stock | D | 65,000 | $26.29 |
Operator: Hello and thank you for standing by. My name is Joel and I will be your conference operator today. At this time, I would like to welcome everyone to the American Insurance Group second quarter 26 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question and answer session. If you would like to ask a question, please press 1 to raise your hand. To withdraw your question, press 1 again. As a reminder, this call is being recorded. But before we begin, please note that today's remarks may contain forward-looking statements. Including comments about the company's outlook, strategy, plans, and expected performance. These statements are based on current expectations and assumptions and are subject to risks and uncertainties that may cause actual results to differ materially. A full discussion of the risk factors can be found in the company's SEC filings, including its most recently filed annual report on Form 10-K and quarterly report on Form 10 Q. Management undertakes no obligation to update any forward-looking Furthermore, today's remarks may contain non GAAP financial measures. A reconciliation of non GAAP financial measures to their most comparable GAAP measures is included in the company's quarterly press release and can also be found on its website at www.aii.com. References to American integrity or the company prior to the consummation of the IPO refer to American Integrity Insurance Group LLC and after the consummation of the IPO, refer to American IPO, refer to American Integrity Insurance Group Inc. With that, I will turn the call over to American Integrity's founder and chief executive officer, Bob Ritchie. Please go ahead. Robert Craig Ritchie: Thank you, and good morning, everyone. We had an outstanding second quarter with record performance across several important measures. And meaningful acceleration across our major strategic growth initiatives. Last quarter, we wrote approximately 43 thousand voluntary new business policies during the quarter. This is a company record. First time ever. Representing growth of approximately 54%. Compared with the second quarter of last year. And 44% sequentially from the first quarter of this year, compared with the second quarter of last year, and 44% sequentially from the first quarter of this year. And at the same time, we generated a record 46.4 million of income before taxes. A record for the entire company for a single quarter. I am happy to report we also ended the quarter with more than 1 billion of in-force premium and approximately 462 thousand policies in force. These are both important milestones. And they demonstrate the scale our platform is achieving. Taken together, we believe these results demonstrate the increasing strength of American Integrity's organic growth engine. it is never been stronger The platform we have built for over 2 decades is generating meaningful voluntary growth …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Robert Craig Ritchie | Founder, Chief Executive Officer & Director | USD 3,364,167 | Male | 1959 | Active |
Jon Phillip Ritchie | President | USD 1,717,000 | Male | 1985 | Active |
Jerry Higgins | Senior Vice President of IT | — | Male | — | Active |
Wei Xie | Senior Vice President of Pricing & Product | — | Male | — | Active |
Brent Radeloff | Executive Vice President of Product, Pricing & Underwriting | — | Male | — | Active |
Brian Foley | Chief Financial Officer, Secretary & Treasurer | — | Male | 1991 | Active |
Dick Dowd | Executive Vice President of Sales & Marketing | — | Male | — | Active |
Patrick Madigan | Senior Vice President of Underwriting & Client Services | — | Male | — | Active |
Toni Logan | Senior Vice President of Marketing | — | Female | — | Active |
Angie Quinn | Executive Vice President & Chief Human Resources Officer | — | Female | — | Active |
Steve W. Biggs | Chief Accounting Officer | — | Male | 1974 | Active |
BlackRock Inc. bought a new position in American Integrity Insurance Group, Inc. (NYSE: AII) in the second quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund bought 888,115 shares of the company's stock, valued at approximately $16,723,000. BlackRock Inc. owned about 4.53% of American Integrity Insurance
TAMPA, Fla.--(BUSINESS WIRE)--American Integrity Insurance Group, Inc. (NYSE: AII) (“American Integrity” or the “Company”), a Tampa-based property and casualty insurance holding company, today announced that management will participate in a fireside chat at the KBW Insurance Conference on Thursday, September 10, 2026, at 9:05 a.m. ET. Management will also be available for one-on-one and small group meetings with investors. Interested parties can listen to the live presentation by visiting the I.
Allstate, Heritage Insurance and American Integrity stand out as value picks, backed by premium growth, underwriting discipline and portfolio gains.
MSGE, TWLO and AII made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on August 18, 2026.
ALGT, HMC, INSP, AII and ALL have been added to the Zacks Rank #1 (Strong Buy) List on August 18, 2026.
| Report Date | Employees | Form Type | Filing Date | SEC Filing |
|---|---|---|---|---|
| Dec 31, 2025 | 313 | 10-K | Feb 27, 2026 | View |
