American Integrity Insurance Group, Inc.
AII NYSE Fire, Marine & Casualty Insurance Financials FY2024–FY2025
What American Integrity Insurance Group, Inc. does
No business description yet.
- Legal name
- American Integrity Insurance Group, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Accession · CIK
- 0002007587-26-000016
0002007587
Revenue and margins
American Integrity Insurance Group, Inc. had $276M of revenue in fiscal 2025, up 35.3% on the year before.
Net income and earnings per share
From fiscal 2024 to 2025, diluted EPS grew 91.5% a year. Loss periods are shown in red.
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Cash flow
Free cash flow was $133M in fiscal 2025, 48.2% of revenue. Cash from operations minus capital spending.
Dividends, buybacks and share count
American Integrity Insurance Group, Inc. returned — to shareholders in fiscal 2025. The diluted share count rose 33.6%.
Balance sheet
Cash, debt and the ratios that show how comfortably American Integrity Insurance Group, Inc. can carry it.
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Cash and short-term investments | $173M | $222M |
| Debt incl. finance leases | $1.0M | $0.6M |
| Debt / equity | 0.0x | 0.0x |
| Total assets | $1.2B | $1.2B |
| Total liabilities | $1.0B | $893M |
| Shareholders' equity | $162M | $337M |
| Net debt (− = net cash) | −$172M | −$221M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.
| Test | FY24 | FY25 |
|---|---|---|
| Net income is positive | ✓ | ✓ |
| Cash from operations is positive | ✓ | ✓ |
| Return on assets rose | — | ✓ |
| Cash from operations exceeds net income | ✓ | ✓ |
| Debt fell relative to assets | — | ✓ |
| Current ratio rose | — | — |
| Share count didn't rise | — | ✕ |
| Gross margin rose | — | — |
| Revenue rose relative to assets | — | ✓ |
| F-score | — / 3 | 6 / 7 |
| Accruals ratio | −9.1% | −3.2% |
| Altman Z'' | — | — |
2 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Income statement | ||
| Revenue | $204M | $276M |
| Interest expense | $0.0M | $0.0M |
| Pretax income | $51.0M | $115M |
| Income tax | $11.3M | $15.4M |
| Net income | $39.7M | $99.6M |
| Net income to common | $38.0M | $97.4M |
| Diluted EPS | $2.95 | $5.65 |
| Diluted shares | 0.01B | 0.02B |
| Cash flow | ||
| Cash from operations | $149M | $138M |
| Capital expenditure | $1.3M | $5.0M |
| Free cash flow | $148M | $133M |
| Depreciation and amortization | $0.8M | $1.1M |
| Stock-based compensation | $0.0M | $10.6M |
| Balance sheet | ||
| Cash and short-term investments | $173M | $222M |
| Total debt | $1.0M | $0.6M |
| Property and equipment, net | $1.8M | $5.7M |
| Total assets | $1.2B | $1.2B |
| Total liabilities | $1.0B | $893M |
| Shareholders' equity | $162M | $337M |
| Margins | ||
| Net margin | 19.4% | 36.0% |
| FCF margin | 72.2% | 48.2% |
| Returns | ||
| Return on equity | 24.5% | 39.9% |
| Return on assets | 3.3% | 8.2% |
| Return on tangible equity | 23.4% | 28.9% |
| Growth | ||
| Revenue growth | — | 35.3% |
| Net income growth | — | 150.7% |
| EPS growth | — | 91.5% |
| FCF growth | — | −9.8% |
| Share count change | — | 33.6% |
| Financial health | ||
| Debt / equity | 0.0x | 0.0x |
| Capital allocation | ||
| Capex / revenue | 0.6% | 1.8% |
| Stock comp / revenue | 0.0% | 3.8% |
| Quality scores | ||
| Piotroski F-score | — | 6.0 |
| Accruals ratio | −9.1% | −3.2% |
Source: SEC EDGAR XBRL filings (CIK 0002007587). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.