American Integrity Insurance Group, Inc. Financials
This page shows American Integrity Insurance Group, Inc. (AII) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
American Integrity Insurance Group, Inc.'s revenue surged 35.3% year-over-year to $276.5M, reflecting rapid business expansion. This strong growth earns a score of 92/100.
American Integrity Insurance Group, Inc. carries a low D/E ratio of 0.00, meaning only $0.00 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
American Integrity Insurance Group, Inc. converts 48.2% of revenue into free cash flow ($133.2M). This strong cash generation earns a score of 100/100.
American Integrity Insurance Group, Inc. earns a strong 29.6% return on equity (ROE), meaning it generates $30 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 77/100. This is up from 24.5% the prior year.
American Integrity Insurance Group, Inc. passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, American Integrity Insurance Group, Inc. generates $1.39 in operating cash flow ($138.2M OCF vs $99.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
American Integrity Insurance Group, Inc. generated $276.5M in revenue in fiscal year 2025. This represents an increase of 35.3% from the prior year.
American Integrity Insurance Group, Inc. reported $99.6M in net income in fiscal year 2025. This represents an increase of 150.7% from the prior year.
American Integrity Insurance Group, Inc. earned $5.65 per diluted share (EPS) in fiscal year 2025. This represents an increase of 91.5% from the prior year.
Cash & Balance Sheet
American Integrity Insurance Group, Inc. generated $133.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 9.8% from the prior year.
American Integrity Insurance Group, Inc. held $203.9M in cash against $206K in long-term debt as of fiscal year 2025.
American Integrity Insurance Group, Inc. had 20M shares outstanding in fiscal year 2025. This represents an increase of 51.7% from the prior year.
Margins & Returns
American Integrity Insurance Group, Inc.'s net profit margin was 36.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 16.6 percentage points from the prior year.
American Integrity Insurance Group, Inc.'s ROE was 29.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.1 percentage points from the prior year.
Capital Allocation
American Integrity Insurance Group, Inc. invested $5.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 283.9% from the prior year.
AII Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $68.1M+9.8% | $62.0M-16.7% | $74.5M+3.6% | $71.9M+7.1% | $67.1M+44.2% | $46.5M+0.3% | $46.4M+4.7% | $44.3M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | $7.3M-68.0% | $22.9M+357.9% | $5.0M | N/A | $7.2M+6.3% | $6.8M+27.9% | $5.3M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Tax | N/A | $5.6M+265.1% | -$3.4M-170.6% | $4.8M | N/A | $2.0M-64.3% | $5.7M+375.4% | $1.2M |
| Net Income | $20.9M+58.5% | $13.2M-52.1% | $27.5M-27.8% | $38.1M+353.6% | $8.4M+86.1% | $4.5M-69.3% | $14.7M+21.6% | $12.1M |
| EPS (Diluted) | $1.07+59.7% | $0.67-58.6% | $1.62-41.7% | $2.78+348.4% | $0.62+87.9% | $0.33-69.7% | $1.09+21.1% | $0.90 |
AII Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.2B-14.6% | $1.4B-9.9% | $1.6B+40.2% | $1.1B-5.3% | $1.2B | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $203.9M+40.8% | $144.8M-44.2% | $259.6M+9.8% | $236.4M+36.5% | $173.2M+149.0% | $69.6M-41.6% | $119.1M-31.2% | $173.2M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $888.1M-20.6% | $1.1B-13.3% | $1.3B+35.9% | $948.7M-8.4% | $1.0B | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $206K-71.4% | $721K-12.5% | $824K-11.0% | $926K+50.1% | $617K | N/A | N/A | N/A |
| Total Equity | $337.0M+6.7% | $315.9M+4.6% | $301.9M+62.2% | $186.1M+14.6% | $162.4M+5.2% | $154.4M+3.7% | $148.9M+4.8% | $142.1M |
| Retained Earnings | $229.2M+10.0% | $208.3M+6.7% | $195.1M+11.1% | $175.7M+15.2% | $152.4M | N/A | N/A | N/A |
AII Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $50.2M+771.2% | -$7.5M-127.3% | $27.4M-59.8% | $68.1M-55.4% | $152.7M+592.5% | -$31.0M-165.5% | $47.4M+335.1% | -$20.2M |
| Capital Expenditures | -$19K-100.4% | $4.5M+846.3% | $471K+336.1% | $108K+16.1% | $93K-66.2% | $275K-20.1% | $344K-42.2% | $595K |
| Free Cash Flow | $50.2M+520.4% | -$11.9M-144.3% | $26.9M-60.4% | $68.0M-55.5% | $152.6M+587.8% | -$31.3M-166.5% | $47.0M+326.7% | -$20.7M |
| Investing Cash Flow | $9.7M+111.4% | -$84.9M-24.5% | -$68.2M-917.6% | $8.3M+119.5% | -$42.9M-132.4% | -$18.5M-139.7% | $46.5M+1119.5% | -$4.6M |
| Financing Cash Flow | -$103K-1.0% | -$102K-100.1% | $76.9M+613.5% | -$15.0M-14441.7% | -$103K0.0% | -$103K+98.7% | -$8.1M-96.5% | -$4.1M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
AII Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 30.7%+9.4pp | 21.2%-15.7pp | 36.9%-16.1pp | 53.0%+40.5pp | 12.5%+2.8pp | 9.7%-22.0pp | 31.7%+4.4pp | 27.3% |
| Return on Equity | 6.2%+2.0pp | 4.2%-4.9pp | 9.1%-11.4pp | 20.5%+15.3pp | 5.2%+2.3pp | 2.9%-7.0pp | 9.9%+1.4pp | 8.5% |
| Return on Assets | 1.7%+0.8pp | 0.9%-0.8pp | 1.7%-1.6pp | 3.4%+2.7pp | 0.7% | N/A | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.000.0 | 0.000.0 | 0.000.0 | 0.010.0 | 0.00 | N/A | N/A | N/A |
| FCF Margin | 73.7%+92.9pp | -19.2%-55.4pp | 36.1%-58.4pp | 94.6%-132.8pp | 227.4%+294.6pp | -67.2%-168.6pp | 101.4%+148.2pp | -46.8% |
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Frequently Asked Questions
What is American Integrity Insurance Group, Inc.'s annual revenue?
American Integrity Insurance Group, Inc. (AII) reported $276.5M in total revenue for fiscal year 2025. This represents a 35.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is American Integrity Insurance Group, Inc.'s revenue growing?
American Integrity Insurance Group, Inc. (AII) revenue grew by 35.3% year-over-year, from $204.4M to $276.5M in fiscal year 2025.
Is American Integrity Insurance Group, Inc. profitable?
Yes, American Integrity Insurance Group, Inc. (AII) reported a net income of $99.6M in fiscal year 2025, with a net profit margin of 36.0%.
How much debt does American Integrity Insurance Group, Inc. have?
As of fiscal year 2025, American Integrity Insurance Group, Inc. (AII) had $203.9M in cash and equivalents against $206K in long-term debt.
What is American Integrity Insurance Group, Inc.'s net profit margin?
American Integrity Insurance Group, Inc. (AII) had a net profit margin of 36.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is American Integrity Insurance Group, Inc.'s return on equity (ROE)?
American Integrity Insurance Group, Inc. (AII) has a return on equity of 29.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is American Integrity Insurance Group, Inc.'s free cash flow?
American Integrity Insurance Group, Inc. (AII) generated $133.2M in free cash flow during fiscal year 2025. This represents a -9.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is American Integrity Insurance Group, Inc.'s operating cash flow?
American Integrity Insurance Group, Inc. (AII) generated $138.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are American Integrity Insurance Group, Inc.'s total assets?
American Integrity Insurance Group, Inc. (AII) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are American Integrity Insurance Group, Inc.'s capital expenditures?
American Integrity Insurance Group, Inc. (AII) invested $5.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is American Integrity Insurance Group, Inc.'s debt-to-equity ratio?
American Integrity Insurance Group, Inc. (AII) had a debt-to-equity ratio of 0.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is American Integrity Insurance Group, Inc.'s return on assets (ROA)?
American Integrity Insurance Group, Inc. (AII) had a return on assets of 8.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is American Integrity Insurance Group, Inc.'s Piotroski F-Score?
American Integrity Insurance Group, Inc. (AII) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are American Integrity Insurance Group, Inc.'s earnings high quality?
American Integrity Insurance Group, Inc. (AII) has an earnings quality ratio of 1.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is American Integrity Insurance Group, Inc.?
American Integrity Insurance Group, Inc. (AII) scores 92 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.