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American Integrity Insurance Group, Inc., together with its subsidiaries, operates as an insurance company in the United States. The company offers personal residential property insurance for single-family homeowners and condominium owners, as well as coverage for vacant dwellings and investment properties. It also provides manufactured home, commercial residential, dwelling property, and specialty insurance products. In addition, the company offers optional endorsements that provide higher levels of standard coverage and optional coverage, such as personal injury, animal liability, identity recovery, and golf cart physical; and flood insurance products. It distributes its products through the Voluntary Market, which includes partnerships with independent agents, national and regional insurance companies, homebuilder-affiliated agents, and direct-to-consumer channels. American Integrity Insurance Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $276M | - | $100M | $133M | 29.6% | 35.3% | 150.7% |
| 2024 | $204M | - | $40M | $148M | 24.5% | 1.7% | 5.1% |
| 2023 | $201M | - | $38M | $64M | 28.2% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Revenue | 200.87 | 204.35 | 276.48 |
| Operating Revenue | 200.87 | 204.35 | 276.48 |
| Selling General And Administration | 34.11 | 30.95 | 41.95 |
| Total Expenses | 156.12 | 153.32 | 161.43 |
| Other Income Expense | 0.92 | 0.61 | 0.89 |
| Pretax Income | 44.76 | 51.04 | 115.06 |
| Tax Provision | 6.96 | 11.30 | 15.44 |
| Tax Rate For Calcs | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 |
| Net Income Continuous Operations | 37.80 | 39.74 | 99.62 |
| Net Income From Continuing And Discontinued Operation | 37.80 | 39.74 | 99.62 |
| Net Income From Continuing Operation Net Minority Interest | 37.80 | 39.74 | 99.62 |
| Net Income | 37.80 | 39.74 | 99.62 |
| Net Income Common Stockholders | 36.12 | 38.03 | 97.43 |
| Net Income Including Noncontrolling Interests | 37.80 | 39.74 | 99.62 |
| Normalized Income | 37.80 | 39.74 | 99.62 |
| Diluted NI Availto Com Stockholders | 36.12 | 38.03 | 97.43 |
| Basic Average Shares | 19.58 | 19.58 | 17.24 |
| Diluted Average Shares | 19.58 | 19.58 | 17.24 |
| Reconciled Depreciation | 1.22 | 2.84 | 2.28 |
| General And Administrative Expense | 34.11 | 30.95 | 41.95 |
| Other Gand A | 34.11 | 30.95 | 41.95 |
| Otherunder Preferred Stock Dividend | 1.68 | 1.71 | 2.19 |
| Loss Adjustment Expense | 86.75 | 90.83 | 98.03 |
| Net Policyholder Benefits And Claims | 86.75 | 90.83 | 98.03 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| American Integrity Insurance Group, Inc.this co. | AII | $321M | 3.22↓ discount | 0.95 | 29.6% | - |
| Regional Management Corp. | RM | $331M | 7.45 | 0.89 | 11.9% | - |
| The First Bancorp, Inc. | FNLC | $331M | 9.62 | 1.17 | 12.1% | - |
| Norwood Financial Corp. | NWFL | $329M | 11.86 | 1.36 | 11.5% | - |
| LINKBANCORP, Inc. |
| LNKB |
| $326M |
| 9.72 |
| 1.06 |
| 10.9% |
| - |
| Timberland Bancorp, Inc. | TSBK | $323M | 11.08 | 1.23 | 11.1% | - |
| CoastalSouth Bancshares, Inc. | COSO | $314M | 12.63 | 1.21 | 9.6% | - |
| Onity Group Inc. | ONIT | $312M | 1.65 | 0.50 | 30.2% | 64.46 |
| Citizens Financial Services, Inc. | CZFS | $308M | 8.43 | 0.91 | 10.8% | - |
| Peer Median | - | 9.67 | 1.12 | 11.3% | 64.46 | |