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American Integrity Insurance Group, Inc.
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
36.0%Net margin3
35.3%Revenue growth, 20253
29.6%Return on equity3
0.00×Debt to equity3
$133.2MFree cash flow3
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs58¢$161.4M
- Income tax6¢$15.4M
- Profit36¢$99.6M
Out of $276.5M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending4¢$5.0M
- Kept or used elsewhere96¢$133.2M
Out of $138.2M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Gross premiums written | $944.6M | $767.7M |
| Change in gross unearned premiums | -$59.7M | -$85.5M |
| Gross premiums earned | $885.0M | $682.2M |
| Ceded premiums earned | -$642.0M | -$500.2M |
| Net premiums earned | $242.9M | $182.1M |
| Policy fees | $10.4M | $7.4M |
| Net investment income | $21.7M | $14.2M |
| Net realized gains on investments | $569.0K | $119.0K |
| Other income | $892.0K | $607.0K |
| Total revenues | $276.5M | $204.4M |
| Losses and loss adjustment expenses, net | $98.0M | $90.8M |
| Policy acquisition expenses | $21.4M | $31.5M |
| General and administrative expenses | $41.9M | $31.0M |
| Total expenses | $161.4M | $153.3M |
| Income before income taxes | $115.1M | $51.0M |
| Income tax expense | $15.4M | $11.3M |
| Net income | $99.6M | $39.7M |
| Unrealized holding gains on available-for-sale securities, net of taxes | $2.7M | $802.0K |
| Reclassification adjustment for net realized gains, net of taxes | -$425.0K | -$94.0K |
| Total other comprehensive income | $2.3M | $708.0K |
| Comprehensive income | $101.9M | $40.5M |
| Basic earnings per share (in dollars per share) | $5.65 | $2.95 |
| Diluted earnings per share (in dollars per share) | $5.65 | $2.95 |
| Weighted average shares outstanding - basic (in shares) | 17.2M shares | 12.9M shares |
| Weighted average shares outstanding - diluted (in shares) | 17.2M shares | 12.9M shares |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2025-04-30 | 2024-12-31 |
|---|---|---|---|
| Fixed maturities, available-for-sale, at fair value (amortized cost of $327,910 and $214,505, respectively) | $330.5M | $214.0M | |
| Short-term investments (amortized cost of $18,121 and $, respectively) | $18.1M | $0 | |
| Total investments | $348.6M | $214.0M | |
| Cash and cash equivalents | $203.9M | $173.2M | |
| Restricted cash | $40.2M | $6.1M | |
| Premiums receivable, net | $45.0M | $51.6M | |
| Accrued investment income | $3.5M | $2.2M | |
| Prepaid reinsurance premiums | $275.1M | $268.3M | |
| Reinsurance recoverable, net | $269.1M | $462.1M | |
| Property and equipment, net | $5.7M | $1.8M | |
| Right-of-use assets operating leases | $449.0K | $2.5M | |
| Deferred income tax asset, net | $8.6M | $0 | |
| Other assets | $24.9M | $16.4M | |
| Total assets | $1.2B | $1.2B | |
| Unpaid losses and loss adjustment expenses | $266.6M | $475.7M | |
| Income tax payable | $2.7M | $11.9M | |
| Unearned premiums | $481.6M | $421.9M | |
| Reinsurance payable | $78.5M | $56.3M | |
| Advance premiums | $11.8M | $6.6M | |
| Deferred income tax liability, net | $0 | $1.1M | |
| Long-term debt | $618.0K | $1.0M | |
| Lease liabilities operating leases | $458.0K | $2.6M | |
| Deferred policy acquisition costs, net of unearned ceding commissions | $12.9M | $31.9M | |
| Other liabilities and accrued expenses | $33.0M | $26.7M | |
| Total liabilities | $888.1M | $1.0B | |
| Common stock, $0.001 par value, 100,000,000 shares authorized, 19,579,009 shares issued and outstanding at December 31, 2025 and 12,904,495 shares issued and outstanding at December 31, 2024 | $20.0K | $13.0K | |
| Additional paid-in capital | $105.9M | $10.3M | |
| Accumulated other comprehensive income (loss), net of taxes | $1.9M | -$327.0K | |
| Retained earnings | $229.2M | $152.4M | |
| Total shareholders equity | $337.0M | $162.4M | |
| Total liabilities and shareholders equity | $1.2B | $1.2B | |
| Fixed maturities, available-for-sale, at fair value, amortized cost | $346.0M | $214.5M | |
| Common stock, par value (in dollars per share) | $0.00 | $0.00 | $0.00 |
| Common stock, shares authorized (in shares) | 100.0M shares | 100.0M shares | |
| Common stock, shares issued (in shares) | 19.6M shares | 12.9M shares | 12.9M shares |
| Common stock, shares outstanding (in shares) | 19.6M shares | 12.9M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $99.6M | $39.7M |
| Stock-based compensation expense | $10.6M | $0 |
| Amortization and depreciation | $2.3M | $2.8M |
| Deferred income taxes | -$10.5M | -$2.1M |
| Net realized gains on investments | -$569.0K | -$119.0K |
| Premiums receivable | $6.6M | -$14.8M |
| Accrued investment income | -$1.3M | -$479.0K |
| Prepaid reinsurance premiums | -$6.8M | -$42.3M |
| Reinsurance recoverable | $193.0M | -$136.8M |
| Other assets | -$8.5M | -$8.0M |
| Unpaid losses and loss adjustment expense | -$209.1M | $196.3M |
| Unearned premiums | $59.7M | $88.1M |
| Reinsurance payable | $22.2M | -$4.7M |
| Advance premiums | $5.2M | -$4.1M |
| Income taxes payable (recoverable) | -$9.2M | $12.6M |
| Operating lease payments | -$2.3M | -$2.1M |
| Deferred policy acquisition costs, net unearned ceding commissions | -$19.0M | $31.9M |
| Other liabilities and accrued expenses | $6.4M | -$7.1M |
| Net cash provided by operating activities | $138.2M | $148.9M |
| Purchases of property and equipment | -$5.0M | -$1.3M |
| Proceeds from sales and maturities of fixed maturity securities | $120.3M | $83.2M |
| Purchases of fixed maturity securities | -$232.5M | -$103.2M |
| Proceeds from sales and maturities of short-term investments | $15.1M | $2.0M |
| Purchases of short-term investments | -$33.0M | $0 |
| Net cash used in investing activities | -$135.1M | -$19.4M |
| Proceeds from initial public offering, net of underwriting discounts and commissions | $93.0M | $0 |
| Payments on tax withheld on vesting of restricted stock awards | -$3.8M | $0 |
| Cash distributions to members | -$22.9M | -$12.0M |
| Repayment of long-term debt | -$411.0K | -$412.0K |
| Payments of initial public offering costs | -$4.2M | $0 |
| Net cash from provided by (used in) financing activities | $61.7M | -$12.4M |
| Net increase in cash, cash equivalents and restricted cash | $64.8M | $117.1M |
| Interest paid | $27.0K | $65.0K |
| Income taxes paid | $35.3M | $1.0M |
Compare American Integrity Insurance Group, Inc. with another company
Former names
- American Integrity Insurance Group, LLCMar 25, 2025 to Apr 14, 20252
Recent filings
- Oct 13, 20264
- Oct 2, 2026S-3
- Oct 1, 20264
- Oct 1, 20264
- Oct 1, 20264
- Sep 17, 20264
- Sep 8, 20268-K
- Sep 2, 20264
- Sep 1, 20264
- Aug 28, 20264
- Aug 26, 20264
- Aug 24, 20264
- Aug 20, 20264
- Aug 18, 20264
- Aug 14, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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