AII · American Integrity Insurance Group, Inc.
$25.35
-0.21 (-0.82%)
At close · Aug 21
Market Cap
$500.81M
Shares
19.59M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$25.35
Open$25.60
Day$24.98–26.41
52W close$16.36–26.19
Avg vol 30d134K
Short int254K · 1.3% float · 3.0d
Short vol23%
Last earningsAug 12, 2026
DataMay 2025–Aug 2026
Filing10-Q · Aug 13
Up next
Next earnings call
Nov 11, 2026
Est · unconfirmed
· in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 13, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 15.1 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
Golden cross
Price vs 200-day avg
+30%
above
Price vs 50-day avg
+28%
above
RSI (14)
76
overbought
MACD trend
Positive
52-week position
91%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+36%
trailing
6-month return
+20%
trailing
YTD return
+22%
this year
Relative strength
+8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
Golden cross
50d $20 › 200d $20 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +14 funds added
Insider flow
Distributing
Net -$4.5M over 90 days · 33% sells
Short interest
Falling
1.30% of float · ▼ -17.8% MoM · 3.0 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
100 holders — near 1-yr high, broad support
Squeeze score
57
elevated · 0–100
Fundamentals
Revenue growth
+35%
Y/Y
EPS growth
+92%
Y/Y
Free cash flow
$133.2M
Valuation
P/E 5.7
below peers
Balance sheet
$203.3M
net cash
Quant / Vol
risk profile
Volatility
41%
annualized · 1-yr
Max drawdown
−38%
past year
ATR
3.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Aug 12, 2026
Annual catastrophe reinsurance cost
· annual
$430M – $440M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
Golden cross
Bullish
Price vs 200-day avg
+30%
Bullish
Price vs 50-day avg
+28%
Bullish
RSI (14)
76
Bearish
MACD trend
Positive
Bullish
52-week position
91%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
Golden cross
50d $20 › 200d $20 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +14 funds added
Insider flow
Distributing
Net -$4.5M over 90 days · 33% sells
Short interest
Falling
1.30% of float · ▼ -17.8% MoM · 3.0 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
100 holders — near 1-yr high, broad support
Price context
position in its 52-week range
Range low $16
Now $25 · 91%
Range high $26
vs 200-day avg +30%
vs 50-day avg +28%
50-day above 200-day golden cross
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Ceded catastrophe excess of loss premiums ratio non-GAAP | 39.4% | the three months ended June 30, 2026 filing | — |
| Gross underlying loss and loss adjustment expense ratio non-GAAP | 18.1% | the three months ended June 30, 2026 filing | — |
| Voluntary Market new policies written | 42,863 | the three months ended June 30, 2026 filing | — |
| Adjusted earnings per share (diluted) non-GAAP | $1.78 | Q2 2026 | — |
| Adjusted Net Income non-GAAP | $55M | Six Months Ended 6/30/2026 | — |
| Adjusted net income available to common shareholders non-GAAP | 34.87M | Q2 2026 | — |
|
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| Adjusted return on equity non-GAAP | 39.6% | Q2 2026 | — |
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| Adjusted ROE non-GAAP | 40% | Q2 FY2026 | — |
| Assumed policies | 81 | Q2 2026 | — |
| Average Gross Premiums Written Per Policy | $2,156 | 2Q 2026 | — |
| Average new business gross written premium per policy | $2,047 | 2Q 2026 | — |
| Combined Ratio | 68% | Six Months Ended 6/30/2026 | — |
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| Ex-FL Voluntary New Business Gross Premiums Written | $8.4M | 2Q 2026 | — |
| Ex-FL Voluntary New Business Policies Written | 7,644 | 2Q 2026 | — |
| Expense ratio | 32.8% | Q2 2026 | — |
| Florida Commercial Residential In-Force Premium | $18.6M | As of June 30, 2026 | — |
| Florida Commercial Residential Policies In-Force | 278 | As of June 30, 2026 | — |
| Gross Loss Ratio | 19% | Six Months Ended 6/30/2026 | — |
| HO-3 Middle-Aged Voluntary New Business Gross Premiums Written | $21.3M | 2Q 2026 | — |
| Loss ratio | 30.6% | Q2 2026 | — |
| Net Loss Ratio | 34% | Six Months Ended 6/30/2026 | — |
| Net underlying loss and loss adjustment expense ratio non-GAAP | 30.6% | Q2 2026 | — |
| New and renewal policies in the voluntary market | 126,308 | Q2 2026 | — |
| overall PIF growth | 16% | Q2 FY2026 | — |
| Policies in-force | 461,714 | As of June 30, 2026 | — |
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| Quarterly Policy Retention Ratio | 84.4% | 2Q 2026 | — |
| Return on equity | 38.7% | Q2 2026 | — |
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| Tri-County Voluntary New Business Gross Premiums Written | $28.8M | 2Q 2026 | — |
| voluntary market PIF growth | 22% | Q2 FY2026 | — |
| Voluntary New Business GWP | 87.72M | 2Q 2026 | — |
| Voluntary new business policies in middle-aged home category | 9,062 | Q2 2026 | — |
| Voluntary new business policies in Tri-County region of Florida | 7,636 | Q2 2026 | — |
| Voluntary New Policy Writings | 43K | 2Q 2026 | — |
| New and renewal policies written in the voluntary market | 94,126 | Q1 2026 | — |
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| Adjusted earnings per diluted share non-GAAP | $5.97 | year ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
AII
this stock
American Integrity Insurance Group, Inc.
|
$500.81M | +21.7% | +35.3% | 5.7 | 1.3% |
|
CB
Chubb Ltd
|
$132.99B | +9.2% | +6.5% | 12.1 | 1.1% |
|
PGR
Progressive Corp/Oh/
|
$127.48B | -3.7% | +16.3% | 11.0 | 1.4% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$86.27B | +24.9% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$76.02B | +25.3% | +5.2% | 9.8 | 3.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| AII | +5.7% | +35.8% | +19.8% | +24.9% | +21.7% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | +7.0% | +32.2% | +8.2% | +22.4% | +9.4% |
Capital returns
Latest dividend
$1.02
/ share · ex Mar 16, 2026
Paid (TTM)
$1.02
/ share · 1 payout
Dividend yield (TTM, derived)
— · history filling in
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
2007587
CUSIP
026948109
13F (30d)
96 filings
96 filers
Visit website
Investor relations