American Integrity Insurance Group, Inc. · Property and casualty insurance

AII

Low riskNext report: Nov 10 (confirmed)

View price ↗

The short version

A high-quality, profitable business with growing sales.

Going well

Sales up 55% in the latest quarter vs a year ago
Profitable, keeps 36% of sales as profit
Sales up 35% last year

Money moves

Insiders sold $4.1M in the last 30 days, all through pre-planned sales
Institutions cut 2.9% from their holdings in the quarter ending June 2026 (59 bought, 50 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$29.54+2.4% that day

Company value: $579M; Share price times all shares
Price vs profit (P/E): 6.6x; You pay about $7 for each $1 of yearly profit
Price vs sales: 1.7x; Company value is 1.7 times a year of sales
Cash vs value: 50%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 0%; Debt as a share of company value

From AII's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 10 quarters, from SEC filings

Sales, Jun '26

$115.2M+55% vs a year earlier

Mar '24Tap a barJun '26

Last 12 months: $336.2M, up 29% from the 12 months before.

What the price assumes

Your guesses, our math

Move the sliders to your own view of AII. Starting points are the company's recent numbers.

Sales growth+29% a yearRecently: +29% a yearProfit margin26%Last 12 months: 26.2%P/E at the end8xToday: 6.6x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$1.2B

Profit in 5 years$312M

Price these guesses point to$127.50+332% vs $29.54 todayAbout +34% a year, before dividends

What today's price needs: with a 26% margin and a 8x P/E, sales could shrink about 3.7% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/4Strong

PassReturn on equity 15%+Earns a lot on the money owners have in the business.39.9%
PassDebt under half of equityNot relying on borrowed money.0.00x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.36.0%
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$133.2M

Revenue: $276.5M; +35.3% vs prior year
Total debt: $618K; 0.00x equity
Free cash flow: $133.2M; 48.2% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: profitable every year, share count not growing. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Aug 11

Revenue: $115.2M; +54.6% YoY
EPS: $1.74; vs $1.62
Free cash flow: $119.8M
Share count: +15.5%; vs a year ago

Insider rating

Last 90 days

44Mixed

Pre-planned sales of $4.1M (weaker signal)

50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.

Weekly insider trend

13 weeks agoBoughtSoldThis week

Filing buzz

Last 7 days vs normal

0/ 100

This week: 0
Normal week: 1.9
vs normal: 0.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady-2.9%

Institutions cut 2.9% from their holdings. 59 bought, 50 sold.

Shares held by institutions10.8M

Sep '24Jun '26

Safety check

From SEC filings

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

0.0x · $412K debt

Shares outstandingLatest reported

20M

Earnings reports

Last 6

Next reportNov 10 (confirmed)Announced by the company in a press release ↗

Results filedAug 11
Results filedMay 12
Results filedFeb 24
Results filedNov 12, 2025
Results filedAug 12, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

Offering prospectusOct 19 · View filing ↗Offering Shelf offering registrationOct 2 · View filing ↗Offering

Insider trades

Open-market buys and sells, last 90 days

Bought$00 insiders

Sold$4.1M1 insider, 2 pre-planned

Insider	Trade	Shares	Avg price	Value	Owns after	Date
Robert C RitchieChief Executive Officer	Sell	26K	$27.23	$720K	2M	Oct 14Filing ↗
-1.5% of their holdings Pre-planned sale (10b5-1) Also Director Filed 1 day after
Robert C RitchieChief Executive Officer	Sell	124K	$27.24	$3.4M	2M	Oct 13Filing ↗
-6.6% of their holdings $27.05 to $27.41 across 3 trades Traded Oct 9 to Oct 13 Pre-planned sale (10b5-1) Also Director Filed same day