American Integrity Insurance Group, Inc. (AII) Stock Price & Analysis
American Integrity Insurance Group, Inc. (AII) closed at USD 28.83 on Friday, October 23, 2026, down 1.17% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 29.17; the Oct 23, 2026 session ranged USD 28.57–29.14 on volume of 105,050 shares. Market capitalization is $564.93M, with a 52-week range of USD 16.19–29.5 (NYQ). Source: Nexqual, retrieved October 24, 2026 at 13:34 UTC.
Also available as compact Markdown for AI agents: nexqual.com/AII.md
Key facts (AII)
- Last four reported quarters (through Jun 30, 2026): revenue $336M, net income $88.1M (26.2% margin), free cash flow $164M (SEC filings).
- Valuation: P/E 6.4x (avg 3.6x at the last 1 fiscal year-ends), net cash $293M.
- Insider open-market sales, last ~7 months: 13 Form 4 filings, $17.5M; 0 not under a Rule 10b5-1 plan ($0K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 4 Form 4 filings, $2.5M; 0 by opportunistic insiders, 0 by routine insiders.
- Analysts: Buy (mean 1.50 on a 1–5 scale) (6 analysts), mean target USD 28.25 (range 26–31).
- Total return with dividends: 1Y +26.0% vs S&P 500 +13.4%; 5Y +76.4% vs S&P 500 +76.9%.
- Next earnings: 2026-11-10, EPS estimate USD 0.66, revenue estimate $105M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (AII)
| USD | FY2024 | FY2025 | TTM |
|---|---|---|---|
| Revenue | $204M | $276M | $336M |
| Net income | $39.7M | $99.6M | $88.1M |
| EPS (diluted) | $2.95 | $5.65 | — |
| Free cash flow | $148M | $133M | $164M |
| Net margin | 19.4% | 36.0% | 26.2% |
| Revenue growth | — | +35.3% | — |
| Cash + short-term investments | $173M | $222M | — |
| Total debt | $1.0M | $618K | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (AII)
P/E 6.4x · P/S 1.7x · EV/Sales 0.8x · P/FCF 3.5x · P/B 1.5x · FCF yield 28.97% · Earnings yield 15.59% · Net cash $293M · EV $272M
P/E at fiscal year-ends: Dec 2025 3.6x.
Insider sales (SEC Form 4, open-market, last ~7 months) (AII)
13 of 13 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-10-14 | Ritchie Robert C | Chief Executive Officer | 26,436 | $720K | 1.5% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-10-09…2026-10-13 | Ritchie Robert C | Chief Executive Officer | 123,564 | $3.4M | 6.6% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-31 | Ritchie Robert C | Chief Executive Officer | 9,174 | $238K | 0.5% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-28 | Ritchie Robert C | Chief Executive Officer | 6,000 | $159K | 0.3% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-26…2026-08-27 | Ritchie Robert C | Chief Executive Officer | 64,365 | $1.7M | 3.3% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-24…2026-08-25 | Ritchie Robert C | Chief Executive Officer | 110,461 | $2.9M | 5.3% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-20…2026-08-21 | Ritchie Robert C | Chief Executive Officer | 59,614 | $1.5M | 2.8% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-18…2026-08-19 | Ritchie Robert C | Chief Executive Officer | 18,000 | $456K | 0.8% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-14…2026-08-17 | Ritchie Robert C | Chief Executive Officer | 75,402 | $1.9M | 3.4% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-12…2026-08-13 | Ritchie Robert C | Chief Executive Officer | 88,260 | $2.1M | 3.8% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-10 | Ritchie Robert C | Chief Executive Officer | 5,800 | $120K | 0.2% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-06…2026-08-07 | Ritchie Robert C | Chief Executive Officer | 49,924 | $1.0M | 2.1% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-03…2026-08-04 | Ritchie Robert C | Chief Executive Officer | 63,000 | $1.3M | 2.6% | Yes (adopted March 12, 2026) | Too little history (no open-market trades in 2023 or 2024) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Insider purchases (SEC Form 4, open-market, last ~7 months) (AII)
4 purchases, $2.5M. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-06-05…2026-06-09 | Sowell James E | 136,356 | $2.3M | 16.88 | Too little history (no open-market trades in 2023 or 2024) | |
| 2026-05-26 | Mathis Steven B | Director | 3,000 | $50K | 16.82 | Too little history (no open-market trades in 2023–2025) |
| 2026-05-22 | Smathers Steven E | Director | 2,900 | $49K | 16.99 | Too little history (no open-market trades in 2023 or 2024) |
| 2026-05-22 | Clark David Lewis | Chairman | 5,830 | $100K | 17.15 | Too little history (no open-market trades in 2023–2025) |
Analysts (AII)
Consensus Buy (mean 1.50 on a 1–5 scale), 6 analysts; mean target USD 28.25 (low 26, high 31).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-12 | Citizens | Target raised | Market Outperform | $26 → $29 |
| 2026-10-12 | Keefe, Bruyette & Woods | Target raised | Outperform | $29 → $31 |
| 2026-08-13 | Piper Sandler | Target raised | Overweight | $23 → $26 |
| 2026-08-12 | Citizens | Target raised | Market Outperform | $25 → $26 |
| 2026-07-15 | Piper Sandler | Target raised | Overweight | $20 → $23 |
Total return (dividends reinvested) (AII)
| 1Y (from 2025-10-24) | 5Y (from 2025-05-05) | |
|---|---|---|
| Total return | +26.0% | +76.4% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +26.1% | +47.2% |
| Volatility (annualized) | 40.5% | 38.0% |
| Max drawdown | -34.0% (Nov 2025→May 2026) | -30.9% (Nov 2025→May 2026) |
AII suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | Insurance | “AIIG was founded in 2006 as an insurance holding company by our Chief Executive Officer, Robert Ritchie, in partnership” |
Quoted from the company's 10-K filed Feb 27, 2026.
AII analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.66 | $-0.07 | -1042.9% | $105.4M | 6 |
| Next quarter (ends Dec 2026) | $0.84 | $0.95 | -12.1% | $108.8M | 6 |
| Current fiscal year (ends Dec 2026) | $4.30 | $2.79 | +54.0% | $420.3M | 6 |
| Next fiscal year (ends Dec 2027) | $3.28 | $3.01 | +9.0% | $507.3M | 6 |
Key Statistics (as of October 24, 2026 at 13:34 UTC)
| Price | USD 28.83 |
|---|---|
| Change | ▼ 1.17% (down) |
| Previous Close | USD 29.17 |
| Open | USD 29.23 |
| Day Range | USD 28.57 – 29.14 |
| 52-Week Range | USD 16.19 – 29.5 |
| Volume | 105,050 shares |
| Market Cap | $564.93M |
| Exchange | NYQ |
Technical Analysis (AII)
Nexqual's technical model rates AII "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 24, 2026 at 13:34 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 66.09 (neutral) |
| vs SMA50 | Above (USD 26.28) |
| MACD | 0.91 (positive) |
Analyst Ratings (AII)
Wall Street analysts rate AII "Buy" based on 6 analysts, with a mean price target of USD 28.25 (range USD 26–31), per Nexqual as of October 24, 2026 at 13:34 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 28.25 |
| High Target | USD 31 |
| Low Target | USD 26 |
| Buy / Hold / Sell | 5 / 1 / 0 |
Earnings (AII)
| Next Earnings Date | 2026-11-10 |
|---|---|
| EPS Estimate | USD 0.66 |
| Revenue Estimate | $105.43M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.78 vs est 0.89 ▲ beat |
| 2025-12-31 | USD 1.11 vs est 0.8 ▲ beat |
| 2025-09-30 | USD 0.71 vs est 0.64 ▲ beat |
Source: Nexqual, October 24, 2026 at 13:34 UTC.
Financials & Fundamentals (AII)
| Total Revenue | $336.20M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +54.60% |
| Gross Margin | +50.53% |
| Operating Margin | +40.31% |
| Profit Margin | +26.20% |
| ROE | +26.24% |
| Debt / Equity | 0.09 |
| Current Ratio | 1.28 |
| Total Cash | $293.19M |
| Total Debt | $33.48M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $163.64M (48.7% of revenue) |
Source: Nexqual, October 24, 2026 at 13:34 UTC.
Financial Health Score (AII)
Nexqual rates American Integrity Insurance Group, Inc.'s overall financial health "Strong" across five dimensions, as of October 24, 2026 at 13:34 UTC.
| Growth | Strong — Revenue +55% YoY (latest Q) |
|---|---|
| Profitability | Strong — Gross margin 51%, operating 40% (last 12 months) |
| Balance Sheet | Strong — $293M cash and investments, no debt (Jun 2026, SEC) |
| Cash Flow | Strong — FCF $164M (last 4 quarters to Jun 2026, SEC), 49% margin |
| Efficiency | Strong — ROE 26%, ROA 4.7% |
Ownership (AII)
| Insider Ownership | +36.14% |
|---|---|
| Institutional Ownership | +60.32% |
| Shares Outstanding | 19.60M |
| Float | 12.32M |
| Short % of Float | +3.86% |
Source: Nexqual, October 24, 2026 at 13:34 UTC.
Leadership (AII)
American Integrity Insurance Group, Inc. is led by Robert Craig Ritchie, Founder, CEO & Director, per Nexqual as of October 24, 2026 at 13:34 UTC.
| Founder, CEO & Director | Robert Craig Ritchie |
|---|---|
| President | Jon Phillip Ritchie |
| CFO, Secretary & Treasurer | Brian Edward Foley |
| Executive Vice President of Sales & Marketing | Dick Dowd |
| Senior Vice President of Marketing | Toni Logan |
Major Backers & Investors (AII)
Notable institutional backers of American Integrity Insurance Group, Inc. include Boston Partners, Wasatch Advisors LP, Mink Brook Asset Management LLC , according to Nexqual as of October 24, 2026 at 13:34 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Boston Partners | 7.79% |
| Wasatch Advisors LP | 6.42% |
| Mink Brook Asset Management LLC | 4.99% |
| WASATCH FUNDS TRUST-Wasatch Micro Cap Fund | 4.91% |
| Pacific Ridge Capital Partners, LLC | 2.96% |
| Freestone Grove Partners LP | 2.51% |
| RBB Fund, Inc.-Adara Smaller Companies Fund | 2.18% |
| Trust for Professional Managers-Column Small Cap Select Fund | 2.13% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 4.53% |
| Vanguard Group | 2.34% |
Source: Nexqual, October 24, 2026 at 13:34 UTC.
From American Integrity Insurance Group, Inc.'s Latest SEC 10-K Filing (filed 2026-02-27)
Key Strengths & Strategy (as disclosed to the SEC)
- Our proprietary technology platform integrates policy issuance, document management, ratemaking, underwriting, billing and data collection into a single system.
- Our platform is purpose-built to cohesively integrate each of our technology solutions with one another, creating a proprietary full-stack insurance platform that allows us to balance and integrate the complete insurance process from underwriting and quoting through claims management and adjudication.
- We seek to leverage our experience, proprietary technology, underwriting expertise and robust claims management capabilities to provide a stable and reliable residential property insurance market for our distribution partners and policyholders and offer competitive residential property insurance coverages that are appropriately priced for the risk we are taking.
- We employ a vertically integrated operating model whereby we control or manage substantially all aspects of insurance underwriting, actuarial analysis, pricing, distribution, and claims processing and adjudication.
Partnerships
- Sowell & Co. capitalized us with an aggregate of $10.3 million in equity investments in 2006 and 2007, which remains the only equity investment that has been made into the business prior to the IPO in May 2025.
- We also offer access to flood insurance through a partnership with Wright National Flood Insurance Company as well as Tokio Marine Highland in connection with our flood endorsement coverage, and home systems and equipment breakdown protection through a strategic alliance with Hartford Steam Boiler.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
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|---|---|---|---|
| HMN | Horace Mann Educators Corporati | USD 46.3 | ▼ 2.26% |
| PRCH | Porch Group, Inc. | USD 17.73 | ▼ 1.17% |
| HCI | HCI Group, Inc. | USD 204.06 | ▼ 1.27% |
| SKWD | Skyward Specialty Insurance Gro | USD 60.39 | ▼ 2.85% |
| SLDE | Slide Insurance Holdings, Inc. | USD 28.55 | ▲ 2.88% |
| LMND | Lemonade, Inc. | USD 44.92 | ▼ 1.08% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 13:34 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt