The significant improvement in profitability metrics and strong growth in policies in-force suggest the company is executing well post-IPO. Traders should monitor the sustainability of the improved combined ratio and the impact of the special dividend on capital levels.
Price Chart
Executive Summary
American Integrity Insurance Group reported strong Q4 and full-year 2025 results, with net income up 149% YoY to $99.6M and EPS rising to $5.65, driven by higher premiums earned and improved underwriting performance. The company also declared a special $1.02 per share dividend following its successful IPO in May 2025.
Key Financial Metrics
Key Facts
- Net income for 2025 was $99.6 million, up 151% from $39.7 million in 2024
- Diluted EPS was $5.65, up from $2.95 in 2024
- Gross premiums earned increased 29.7% to $885.0 million
- Combined ratio improved to 63.7% from 80.9% in 2024
- Policies in-force increased 18.5% to 421,866
- Company declared a special cash dividend of $1.02 per share
Financial Impact
Net income increased by $59.9 million (151%) and EPS doubled from $2.95 to $5.65
Risk Factors
- Insurance results are highly dependent on catastrophe events, which could reverse the improved profitability
- The special dividend reduces capital that could be used for future growth or weathering adverse claims periods
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0002007587-26-000007 |
| Document: aii-20260224.htm | 0002007587-26-000007 |
| Document: aii-pressreleasespecialcas.htm | 0002007587-26-000007 |
| Document: 0002007587-26-000007-index-headers.html | 0002007587-26-000007 |
| Document: 0002007587-26-000007-index.html | 0002007587-26-000007 |
| Document: 0002007587-26-000007.txt | 0002007587-26-000007 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 16, 2026 10d ago | EFFECT | $27.50 | awaiting T+20 | — | $29.52 (+7.35%) |
Jun 11, 2026 19w ago | Insider Buy | $17.01 $19.02 | ▲ +11.82% | ▲ +10.04% | $29.52 (+73.54%) |
Jun 11, 2026 19w ago | Institutional Cluster | $16.86 $19.16 | ▲ +13.64% | ▲ +11.75% | $29.52 (+75.09%) |
May 27, 2026 21w ago | Insider Cluster | $16.60 $18.72 | ▲ +12.77% | ▲ +15.92% | $29.52 (+77.83%) |
May 27, 2026 21w ago | Insider Cluster | $16.60 $18.72 | ▲ +12.77% | ▲ +15.92% | $29.52 (+77.83%) |
May 20, 2026 22w ago | 8-K | $16.86 $17.30 | ▲ +2.61% | ▲ +2.28% | $29.52 (+75.09%) |
Apr 17, 2026 27w ago | DEFA14A | $19.26 $16.93 | ▼ −12.10% | ▼ −16.30% | $29.52 (+53.27%) |
Feb 24, 2026 34w ago | 8-K | $19.01 $19.08 | ▲ +0.36% | ▲ +5.60% | $29.52 (+55.28%) |
US Market Status
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