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Friday 6 November 2026
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American Integrity Insurance Group, Inc.
AII Financial Insurance Property & Casualty
American Integrity Insurance Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $276.5 million, up 35.3% from fiscal 2024.
- Revenue
- +54.6%
- EPS
- +7.41%
- Free cash flow
- +345.1%
- Total debt
- −50.0%
Quarter to June 2026, against a year earlier
26.60
0.48
−1.77%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 201 | 204 | 276 | 336 | +17.3% | 420 | 507 | 598 | +29.3% | |
| Gross margin, % | — | — | — | — | — | — | — | 39.26 | 40.12 | 56.79 | 50.53 | +17.5 pt | ||||||
| EBT | — | — | — | — | — | — | — | 45 | 51 | 115 | 122 | +60.3% | ||||||
| EBT margin, % | — | — | — | — | — | — | — | 22.28 | 24.98 | 41.61 | 36.21 | +19.3 pt | ||||||
| Net income | — | — | — | — | — | — | — | 38 | 40 | 100 | 88 | +62.3% | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 1,634.43 | 15.84 | 16.04 | 17.16 | (90.1%) | |||||
| Earnings | — | — | — | — | — | — | — | 307.54 | 3.08 | 5.65 | 4.50 | (86.4%) | ||||||
| Cash flow | — | — | — | — | — | — | — | 524.31 | 11.54 | 8.02 | 8.81 | (87.6%) | ||||||
| Capex | — | — | — | — | — | — | — | (6.15) | (0.10) | (0.29) | (0.45) | (78.2%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 518.16 | 11.44 | 7.73 | 8.35 | (87.8%) | ||||||
| Book value | — | — | — | — | — | — | — | 1,090.04 | 12.58 | 19.55 | 18.87 | (86.6%) | ||||||
| Shares, m | — | — | — | — | — | — | — | 0 | 13 | 17 | 19 | +1,084.2% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 3.47 | 3.47 | 3.39 | 5.98 | 3.4 | |||||
| P/S | — | — | — | — | — | — | — | 0.94 | 0.94 | 1.30 | 1.57 | 1.1 | ||||||
| P/B | — | — | — | — | — | — | — | 1.17 | 1.17 | 1.07 | 1.43 | 1.1 | ||||||
| EV/Sales | — | — | — | — | — | — | — | (0.09) | (0.09) | 0.42 | — | 0.1 | ||||||
| EV/FCF | — | — | — | — | — | — | — | (0.09) | (0.09) | 0.87 | — | 0.2 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 64 | 149 | 138 | 173 | +46.4% | |||||
| Capex | — | — | — | — | — | — | — | (1) | (1) | (5) | (9) | +157.6% | ||||||
| Free cash flow | — | — | — | — | — | — | — | 64 | 148 | 133 | 164 | +44.6% | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | (39) | (31) | (18) | (1) | (32.1%) | |||||
| Net debt | — | — | — | — | — | — | — | (61) | (178) | (244) | (343) | +100.2% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | 134 | 162 | 337 | 370 | +58.6% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 3.86 | 8.22 | 5.50 | +8.2 pt | |||||
| ROIC | — | — | — | — | — | — | — | 38.19 | 0.00 | 76.89 | 291.96 | +38.7 pt | ||||||
| ROE | — | — | — | — | — | — | — | 0.00 | 26.82 | 39.90 | 26.24 | +39.9 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 294 | 313 | — | +6.5% | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 0.70 | 0.88 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026
American Integrity Insurance Group, Inc. vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| HIPO Hippo Holdings Inc. | $926.2M | 28.3× | 31.6× | +29.35% (above 0%: growing) | −91.48% (below 0%: shrinking) | +414.93% (above 0%: growing) | 100.00% | 6.47% | Compare |
| OIG Orion180 Insurance Group Inc. | $874.5M | — | — | — | — | — | — | — | Compare |
| DGICA Donegal Group, Inc. | $732.0M | 9.7× | 10.3× | −3.36% (below 0%: shrinking) | +29.79% (above 0%: growing) | −33.25% (below 0%: shrinking) | 0.00% | 9.42% | Compare |
| ROOT Root, Inc. | $716.7M | 9.2× | 11.5× | −1.68% (below 0%: shrinking) | n/m | −18.06% (below 0%: shrinking) | 38.79% | 4.80% | Compare |
| AII American Integrity Insurance Group, Inc. | $530.6M | 6.0× | 7.6× | +54.59% (above 0%: growing) | +7.41% (above 0%: growing) | +345.10% (above 0%: growing) | 56.10% | 40.31% | |
| ACIC American Coastal Insurance Corporation | $485.4M | 5.7× | 11.6× | −21.78% (below 0%: shrinking) | −38.66% (below 0%: shrinking) | −54.47% (below 0%: shrinking) | 53.61% | 40.15% | Compare |
| DGICB Donegal Group, Inc. | $446.3M | 14.1× | 10.3× | −3.36% (below 0%: shrinking) | +17.02% (above 0%: growing) | −33.25% (below 0%: shrinking) | 0.00% | 9.42% | Compare |
| NODK NI Holdings, Inc. | $314.0M | 41.1× | — (loss-making) | −7.66% (below 0%: shrinking) | n/m | −85.46% (below 0%: shrinking) | 31.06% | 0.33% | Compare |
| GBLI Global Indemnity PLC | $307.5M | 10.0× | 10.3× | −1.10% (below 0%: shrinking) | −29.89% (below 0%: shrinking) | +112.10% (above 0%: growing) | 0.00% | 10.28% | Compare |
| Median of peers | $601.1M | 10.0× | 10.9× | −3.36% | −29.89% | −33.25% | 31.06% | 9.42% |
Pay and ownership Proxy statement filed 17 April 2026
Ownership
Directors and executive officers, together
16.40%
Sowell Investments Holding Co., LLC
22.80%
Robert Ritchie
12.30%
Boston Partners
6.10%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement