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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 | 276.49 |
| Pretax Income | 44.76 | 51.04 | 115.06 |
| Tax Provision | 6.96 | 11.30 | 15.44 |
| Net Income | 37.80 | 39.74 | 99.62 |
| Net Income Common Stockholders | 36.12 | 38.03 | 97.43 |
| Total Expenses | 156.12 | 153.31 | 161.43 |
| Selling General And Administration | 34.11 | 30.95 | 41.95 |
| Normalized Income | 37.80 | 39.74 | 99.62 |
| Basic EPS | 1.84 | 1.94 | 5.65 |
| Diluted EPS | 1.84 | 1.94 | 5.65 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 |
| Tax Rate For Calcs | 0.16 | 0.22 | 0.13 |
| Net Income From Continuing Operation Net Minority Interest | 37.80 | 39.74 | 99.62 |
| Reconciled Depreciation | 1.22 | 2.84 | 2.28 |
| Net Income From Continuing And Discontinued Operation | 37.80 | 39.74 | 99.62 |
| Diluted Average Shares | 19.58 | 19.58 | 17.24 |
| Basic Average Shares | 19.58 | 19.58 | 17.24 |
| Diluted NI Availto Com Stockholders | 36.12 | 38.03 | 97.43 |
| Otherunder Preferred Stock Dividend | 1.68 | 1.71 | 2.19 |
| Net Income Including Noncontrolling Interests | 37.80 | 39.74 | 99.62 |
| Net Income Continuous Operations | 37.80 | 39.74 | 99.62 |
| Other Income Expense | 0.92 | 0.61 | 0.89 |
| General And Administrative Expense | 34.11 | 30.95 | 41.95 |
| Other Gand A | 34.11 | 30.95 | 41.95 |
| Operating Revenue | 200.87 | 204.35 | 276.49 |
| 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 | $379M | 3.43↓ discount | 1.13 | 29.6% | 1.35 |
| Greene County Bancorp, Inc. | GCBC | $402M | 10.31 | 1.50 | 13.0% | - |
| Commercial Bancgroup, Inc. | CBK | $391M | 10.27 | 1.37 | 13.0% | - |
| Onity Group Inc. | ONIT | $390M | 2.13 | 0.62 | 30.2% | 25.75 |
| Investar Holding Corporation |
| ISTR |
| $381M |
| 12.22 |
| 1.00 |
| 7.6% |
| - |
| First Bank | FRBA | $377M | 8.63 | 0.84 | 9.8% | - |
| Farmers & Merchants Bancorp, Inc. | FMAO | $367M | 10.18 | 0.97 | 9.0% | - |
| Regional Management Corp. | RM | $362M | 8.66 | 0.99 | 11.9% | 12.88 |
| Primis Financial Corp. | FRST | $361M | 7.68 | 0.85 | -4.4% | - |
| Peer Median | - | 9.42 | 0.98 | 10.9% | 19.31 | |