American Integrity Insurance Group, Inc. Reports Second Quarter 2026 Results

By Business Wire | August 11, 2026, 4:15 PM

43K voluntary new business policies sold in the quarter, a record for American Integrity, up 54% vs. the second quarter of 2025 and 44% vs. the first quarter of 2026

$46.4 million of income before income taxes, a new quarterly record for American Integrity

Gross premiums written grew 14% year-over-year to $327 million during the quarter

Successfully renewed 2026-2027 catastrophe excess of loss reinsurance program on June 1, 2026 with a risk-adjusted rate decrease at the upper end of 15-20% declines

TAMPA, Fla.--(BUSINESS WIRE)--American Integrity Insurance Group, Inc. (“American Integrity,” “we,” “us,” “our” or the “Company”) (NYSE: AII), reported second quarter 2026 results.

Robert Ritchie, Chief Executive Officer, commented, “We produced record voluntary new business policies and pre-tax earnings in the second quarter, which reflect continued momentum across our business and strong execution against our strategic priorities. During the quarter, we saw meaningful acceleration across each of our key growth initiatives, including the Tri-County region of Florida, middle-aged homes and our expansion states.”

Mr. Ritchie continued, “We also successfully completed our June 1 reinsurance renewal, improving our overall risk profile while benefiting from meaningful risk adjusted reductions in reinsurance costs. Combined with the continued benefits of Florida’s legislative reforms, we believe we are operating from a position of considerable strength and momentum and remain well positioned to deliver profitable growth and long-term value for our stockholders.”

Second Quarter 2026 Highlights:

  • Net income of $34.1 million, or $1.74 per diluted share. Adjusted net income1 of $34.9 million, or $1.78 per diluted share
  • Book value per share of $18.86, up 22.3% over June 30, 2025 and up 10.1% over March 31, 2026
  • Return on equity of 38.7% and Adjusted return on equity1 of 39.6%
  • Policies in-force and in-force premium were 461,714 and $1,029 million, respectively, up 15.7% and 11.7%, respectively, over June 30, 2025
  • Wrote 126,308 new and renewal policies in the voluntary market, an increase of 27.9% compared to the second quarter of 2025
    • 7,636 voluntary new business policies in Tri-County region of Florida compared to 185 in the second quarter of 2025, a 41x increase
    • 9,062 voluntary new business policies in our middle-aged home category compared to 437 in the second quarter of 2025, a 21x increase
    • Stable premium per policy year-over-year across our overall book
  • Net premiums earned of $104.7 million, an increase of 58.2% compared to the second quarter of 2025
  • Combined ratio of 63.4% compared to 72.9% in the second quarter of 2025
  • Assumed just 81 policies, as we determined that fewer policies from Citizens met our underwriting and targeted profitability standards
  • Renewed the Company’s catastrophe excess of loss (“CAT XOL”) reinsurance program effective June 1, 2026, providing $3 billion of total third-party catastrophe coverage at a total estimated cost of $430 - $440 million
  • The Company benefitted from the upper end of 15-20% CAT XOL risk-adjusted rate decreases, while retaining its 1-in-130 year probable maximum loss level and reducing its aggregate retention from $95 million to $75 million

1 Adjusted net income, adjusted earnings per share and adjusted return on equity are non-GAAP financial measures. Please see the discussion below under the heading “Reconciliation of Non-GAAP Financial Measures” for additional information concerning these and other non-GAAP financial measures.

Second Quarter 2026 Commentary

  • Gross premiums written in the second quarter of 2026 increased by $39.6 million to $326.6 million from $287.0 million in the second quarter of 2025, primarily driven by growth in our voluntary market writings.
  • Gross premiums earned in the second quarter of 2026 increased by $18.6 million to $242.3 million from $223.7 million in the second quarter of 2025.
  • Ceded premiums earned in the second quarter of 2026 decreased by $20.0 million to $137.6 million compared to $157.6 million in the second quarter of 2025, primarily due to the reduction in our non-catastrophe quota share reinsurance arrangement.
  • Net premiums earned in the second quarter of 2026 increased by $38.5 million to $104.7 million from $66.2 million in the second quarter of 2025.
  • Net investment income in the second quarter of 2026 increased $1.4 million to $6.2 million compared to $4.8 million in the second quarter of 2025, primarily due to the increase in our invested assets, driven by the increased in-force premiums and the proceeds from our IPO.
  • Losses and loss adjustment expenses (“LAE”) for the second quarter of 2026 increased $12.0 million to $33.2 million compared to $21.2 million for the second quarter of 2025. The loss and loss adjustment expenses ratio was 30.6% for the second quarter of 2026 which was consistent with the second quarter of 2025 of 30.6%. The net underlying loss and loss adjustment expense ratio was 30.6% for the second quarter of 2026, down from 33.1% for the second quarter of 2025.
  • Policy acquisition expenses and general and administrative expenses in the second quarter of 2026 were $17.4 million and $18.2 million, respectively, compared to $6.3 million and $22.9 million, respectively, in the second quarter of 2025. Period over period changes were due to record setting new business production in the second quarter of 2026, the absence of one-time IPO-related expenses, the reduction in our non-catastrophe quota share reinsurance arrangement from 40% to 25% on January 1, 2026 and the benefit of Citizens take-outs in 2025.
  • The expense ratio was 32.8% for the second quarter of 2026 compared to 42.3% for the second quarter of 2025. The combined ratio was 63.4% for the second quarter of 2026 compared to 72.9% for the second quarter of 2025.

2 Net underlying loss and loss adjustment expense ratio is a non-GAAP financial measure. Please see the discussion below under the heading “Reconciliation of Non-GAAP Financial Measures” for additional information concerning this and other non-GAAP financial measures.

Results of Operations

 

Three Months Ended June 30,

($ in thousands, except per share data)

2026

 

2025

 

$ Change

 

% Change

Gross premiums written

$

326,592

 

 

$

286,995

 

 

$

39,597

 

 

 

13.8

%

Change in gross unearned premiums

 

(84,341

)

 

 

(63,255

)

 

 

(21,086

)

 

 

33.3

%

Gross premiums earned

 

242,251

 

 

 

223,740

 

 

 

18,511

 

 

 

8.3

%

Ceded premiums earned

 

(137,555

)

 

 

(157,571

)

 

 

20,016

 

 

 

(12.7

)%

Net premiums earned

 

104,696

 

 

 

66,169

 

 

 

38,527

 

 

 

58.2

%

Policy fees

 

3,711

 

 

 

2,967

 

 

 

744

 

 

 

25.1

%

Net investment income

 

6,250

 

 

 

4,780

 

 

 

1,470

 

 

 

30.8

%

Net realized gains (losses) on investments

 

(2

)

 

 

485

 

 

 

(487

)

 

 

(100.4

)%

Other income

 

516

 

 

 

98

 

 

 

418

 

 

 

426.5

%

Total Revenues

 

115,171

 

 

 

74,499

 

 

 

40,672

 

 

 

54.6

%

Losses and loss adjustment expenses

 

33,151

 

 

 

21,189

 

 

 

11,962

 

 

 

56.5

%

Policy acquisition expenses

 

17,410

 

 

 

6,281

 

 

 

11,129

 

 

 

177.2

%

General and administrative expenses

 

18,186

 

 

 

22,932

 

 

 

(4,746

)

 

 

(20.7

)%

Total Expenses

 

68,747

 

 

 

50,402

 

 

 

18,345

 

 

 

36.4

%

Income before taxes

 

46,424

 

 

 

24,097

 

 

 

22,327

 

 

 

92.7

%

Income tax (benefit) expense

 

12,278

 

 

 

(3,397

)

 

 

15,675

 

 

 

(461.4

)%

Net Income

$

34,146

 

 

$

27,494

 

 

$

6,652

 

 

 

24.2

%

Book value per share(1)

$

18.86

 

 

$

15.42

 

 

$

3.44

 

 

 

22.3

%

Loss ratio(2)

 

30.6

%

 

 

30.6

%

 

 

 

 

 

 

Expense ratio(3)

 

32.8

%

 

 

42.3

%

 

 

 

 

 

 

Combined ratio(4)

 

63.4

%

 

 

72.9

%

 

 

 

 

 

 

Return on equity(5)

 

38.7

%

 

 

45.1

%

 

 

 

 

 

 

(1)

Book value per share is the ratio of shareholders’ equity to shares outstanding, each as of the balance sheet date.

(2)

Loss ratio is the ratio of losses and LAE to net premiums earned plus policy fees.

(3)

Expense ratio is the ratio of policy acquisition expenses and general and administrative expenses to net premiums earned plus policy fees.

(4)

Combined ratio is defined as the sum of the loss ratio and the expense ratio.

(5)

Return on equity is defined as net income, divided by the average beginning and ending shareholders’ equity during the applicable period. This metric is annualized for interim periods by multiplying the applicable ratio in order to present return on equity consistently.

 

Six Months Ended June 30,

($ in thousands, except per share data)

2026

 

2025

 

$ Change

 

% Change

Gross premiums written

$

546,596

 

 

$

499,145

 

 

$

47,451

 

 

 

9.5

%

Change in gross unearned premiums

 

(73,573

)

 

 

(65,249

)

 

 

(8,324

)

 

 

12.8

%

Gross premiums earned

 

473,023

 

 

 

433,896

 

 

 

39,127

 

 

 

9.0

%

Ceded premiums earned

 

(286,119

)

 

 

(302,325

)

 

 

16,206

 

 

 

(5.4

)%

Net premiums earned

 

186,904

 

 

 

131,571

 

 

 

55,333

 

 

 

42.1

%

Policy fees

 

6,456

 

 

 

5,171

 

 

 

1,285

 

 

 

24.9

%

Net investment income

 

11,902

 

 

 

8,883

 

 

 

3,019

 

 

 

34.0

%

Net realized gains (losses) on investments

 

51

 

 

 

501

 

 

 

(450

)

 

 

(89.8

)%

Other income

 

789

 

 

 

259

 

 

 

530

 

 

 

204.6

%

Total Revenues

 

206,102

 

 

 

146,385

 

 

 

59,717

 

 

 

40.8

%

Losses and loss adjustment expenses

 

64,876

 

 

 

42,051

 

 

 

22,825

 

 

 

54.3

%

Policy acquisition expenses

 

33,395

 

 

 

9,388

 

 

 

24,007

 

 

 

255.7

%

General and administrative expenses

 

34,152

 

 

 

27,940

 

 

 

6,212

 

 

 

22.2

%

Total Expenses

 

132,423

 

 

 

79,379

 

 

 

53,044

 

 

 

66.8

%

Income before taxes

 

73,679

 

 

 

67,006

 

 

 

6,673

 

 

 

10.0

%

Income tax expense

 

19,623

 

 

 

1,416

 

 

 

18,207

 

 

 

1285.8

%

Net Income

$

54,056

 

 

$

65,590

 

 

$

(11,534

)

 

 

(17.6

)%

Book value per share(1)

$

18.86

 

 

$

15.42

 

 

$

3.44

 

 

 

22.3

%

Loss ratio(2)

 

33.6

%

 

 

30.8

%

 

 

 

 

 

 

Expense ratio(3)

 

34.9

%

 

 

27.3

%

 

 

 

 

 

 

Combined ratio(4)

 

68.5

%

 

 

58.1

%

 

 

 

 

 

 

Return on equity(5)

 

30.6

%

 

 

56.5

%

 

 

 

 

 

 

(1)

Book value per share is the ratio of shareholders’ equity to shares outstanding, each as of the balance sheet date.

(2)

Loss ratio is the ratio of losses and LAE to net premiums earned plus policy fees.

(3)

Expense ratio is the ratio of policy acquisition expenses and general and administrative expenses to net premiums earned plus policy fees.

(4)

Combined ratio is defined as the sum of the loss ratio and the expense ratio.

(5)

Return on equity is defined as net income, divided by the average beginning and ending shareholders’ equity during the applicable period. This metric is annualized for interim periods by multiplying the applicable ratio in order to present return on equity consistently.

Policies in-force and in-force premium

Policies in-force represents the number of active insurance policies with coverage in effect as of the end of the period referenced. In-force premium represents the annual premium for active insurance policies with coverage in effect as of the end of the period referenced.

 

June 30,

($ in thousands)

2026

 

2025

 

% Change

Policies In-Force

 

461,714

 

 

399,138

 

 

15.7

%

In-Force Premium

$

1,029,387

 

$

921,252

 

 

11.7

%

Policies in-force were 461,714 as of June 30, 2026, an increase of 15.7% compared to policies in-force of 399,138 as of June 30, 2025, and an increase of 5.6% compared to policies in-force of 437,308 as of March 31, 2026. The increase in our policies in-force was primarily due to new policies written through the voluntary market and the 2025 Citizens take-outs.

Reconciliation of Non-GAAP Financial Measures:

Adjusted net income and adjusted earnings per share

Adjusted net income is a non-GAAP financial measure defined as net income excluding net realized gains or losses on investments, stock compensation expense incurred in connection with our IPO, and certain non-recurring or non-cash expenses, including those incurred in connection with our IPO, net of tax. We use adjusted net income as an internal performance measure in the management of our operations because we believe it gives us and users of our financial information useful insight into our results of operations and our underlying business performance excluding the impact of realized gains and losses on the sale of securities, and one time items, which we do not view as core to the underlying trends in our business. Adjusted net income should not be viewed as a substitute for net income calculated in accordance with GAAP, and other companies may define adjusted net income differently.

Net income increased $6.6 million, or 24.2%, to $34.1 million for the three months ended June 30, 2026 from $27.5 million for the three months ended June 30, 2025. Adjusted net income increased by $3.6 million, or 11.4%, to $34.9 million from $31.3 million for the three months ended June 30, 2025.

Adjusted earnings per share is a non-GAAP measure, which is calculated as adjusted net income available to common shareholders divided by weighted average diluted common shares outstanding. Management believes this metric is meaningful, as it allows investors to evaluate underlying profitability and enhances comparability across periods by excluding items that are heavily impacted by investment market fluctuations and other economic factors and are not indicative of operating trends.

Adjusted net income and adjusted earnings per share for the three and six months ended June 30, 2026 and 2025 reconcile to net income and earnings per share, respectively, as follows:

 

Three Months Ended June 30,

 

Six Months Ended June 30,

($ in thousands, except per share data)

2026

 

2025

 

2026

 

2025

Net Income

$

34,146

 

 

$

27,494

 

$

54,056

 

$

65,590

Add:

 

 

 

 

 

 

 

Stock compensation(1)(5)

 

 

 

 

10,433

 

 

 

 

10,433

Termination of MSA(1)

 

 

 

 

3,000

 

 

 

 

3,000

One-time IPO expenses(1)

 

 

 

 

1,654

 

 

 

 

1,654

One-time bonus expenses(1)

 

 

 

 

1,387

 

 

 

 

1,387

Executive transition cost(1)(2)

 

920

 

 

 

 

 

920

 

 

Less:

 

 

 

 

 

 

 

Net realized gains (losses) on investments

 

(2

)

 

 

485

 

 

51

 

 

501

Change in tax status(3)

 

 

 

 

9,722

 

 

 

 

9,722

Tax effect(4)(5)

 

194

 

 

 

2,467

 

 

183

 

 

2,464

Adjusted net income

$

34,874

 

 

$

31,294

 

$

54,742

 

$

69,377

Adjusted income allocated to participating securities

 

 

 

 

 

 

 

 

2,190

Numerator:

 

 

 

 

 

 

 

Adjusted net income available for common shareholders

$

34,874

 

 

$

31,294

 

$

54,742

 

$

67,187

Denominator:

 

 

 

 

 

 

 

Weighted average common shares outstanding:

 

 

 

 

 

 

 

Basic

 

19,586,994

 

 

 

16,962,075

 

 

19,583,036

 

 

15,152,075

Diluted

 

19,590,448

 

 

 

16,962,075

 

 

19,584,870

 

 

15,152,075

Earnings per share:

 

 

 

 

 

 

 

Basic

$

1.74

 

 

$

1.62

 

$

2.76

 

$

4.18

Diluted

$

1.74

 

 

$

1.62

 

$

2.76

 

$

4.18

Adjusted earnings per share:

 

 

 

 

 

 

 

Basic

$

1.78

 

 

$

1.84

 

$

2.80

 

$

4.43

Diluted

$

1.78

 

 

$

1.84

 

$

2.80

 

$

4.43

(1)

Material non-recurring items that we do not expect to continue in the future and believe are not reflective of our ongoing operations and our performance.

(2)

Costs associated with the change in a key executive leadership position.

(3)

The change in tax status of the Company from a non-taxable entity to a taxable corporation incurred in connection with the IPO resulted in recognition of a deferred income tax benefit.

(4)

We included the tax impact of all adjustments to adjusted net income using the U.S. federal statutory corporate tax rate of 21%. While the Company’s actual effective tax rates for the three months ended June 30, 2026 and 2025 were 26.4% and (14.1)%, respectively, and for the six months ended June 30, 2026 and 2025 were 26.6% and 2.1%, respectively, the use of the statutory rate provides a consistent and simplified approach for comparability. This approach is applied uniformly, including to items that may be partially or fully nondeductible for tax purposes. The tax effect row is presented exclusive of the change in tax status impact.

(5)

Stock-based compensation expense recognized of $10,433 for the three and six months ended June 30, 2025, approximately $4,241 was nondeductible for U.S. federal income tax purposes.

Adjusted return on equity

Adjusted return on equity is a non-GAAP financial measure defined as adjusted net income divided by the average of beginning and ending shareholders’ equity during the applicable period and is annualized for periods of less than one year. We use adjusted return on equity as an internal performance measure in the management of our operations because we believe it gives us and users of our financial information useful insight into our underlying business performance. Adjusted return on equity should not be viewed as a substitute for any metrics calculated in accordance with GAAP, and other companies may define adjusted return on equity differently.

Adjusted return on equity for the three and six months ended June 30, 2026 and 2025 reconciles to return on equity as follows:

 

Three Months Ended June 30,

($ in thousands)

2026

 

2025

Net income

$

34,146

 

 

$

27,494

 

Average beginning and ending shareholders’ equity(1)

 

352,501

 

 

 

243,966

 

Return on equity

 

38.7

%

 

 

45.1

%

Adjusted net income (after tax)

$

34,874

 

 

$

31,294

 

Average shareholders’ equity

 

352,501

 

 

 

243,966

 

Adjusted return on equity(2)

 

39.6

%

 

 

51.3

%

 

Six Months Ended June 30,

($ in thousands)

2026

 

2025

Net income

$

54,056

 

 

$

65,590

 

Average beginning and ending shareholders’ equity(1)

 

353,270

 

 

 

232,133

 

Return on equity

 

30.6

%

 

 

56.5

%

Adjusted net income (after tax)

$

54,742

 

 

$

69,377

 

Average shareholders’ equity

 

353,270

 

 

 

232,133

 

Adjusted return on equity(2)

 

31.0

%

 

 

59.8

%

(1)

Average beginning and ending shareholders’ equity represents the average of shareholders’ equity at the beginning and end of the period presented.

(2)

Adjusted return on equity is the adjusted net income (after tax) divided by the average beginning and ending shareholders’ equity.

Net underlying loss and loss adjustment expense ratio

Net underlying loss and loss adjustment expense ratio is a non-GAAP measure. We calculate the net underlying loss and loss adjustment expense ratio by subtracting current year net catastrophe losses and prior year net reserve development from total net losses and LAE and dividing that amount by the sum of total net premiums earned plus policy fees. We use the net underlying loss and LAE ratio to allow us to analyze our loss trends before the impact of catastrophe losses and prior year reserve development. These two items can have a significant impact on our loss trends in a given period. We believe it is useful for investors to evaluate these components both separately and in the aggregate when reviewing our performance. The most directly comparable GAAP measure is the net loss and LAE ratio. The net underlying loss and LAE ratio should not be considered a substitute for the net loss and LAE ratio and does not reflect the overall profitability of our business.

The following tables summarize the loss and LAE ratios and the net underlying loss and LAE ratios for the three and six months ended June 30, 2026 and 2025:

 

Three Months Ended June 30,

($ in thousands)

2026

 

2025

Total Net Premiums Earned

$

104,696

 

 

$

66,169

 

Plus: Policy Fees

 

3,711

 

 

 

2,967

 

Total Net Premiums Earned Plus Policy Fees

 

108,407

 

 

 

69,136

 

Losses and Loss Adjustment Expenses, Net

$

33,151

 

 

$

21,189

 

Loss and Loss Adjustment Expense Ratio (% Net Premiums Earned Plus Policy Fees)

 

30.6

%

 

 

30.6

%

Less:

 

 

 

 

 

Current Year Net Catastrophe Losses

 

 

 

 

 

Prior Year Net Reserve Development

 

 

 

 

(1,695

)

Underlying Loss and Loss Adjustment Expenses, Net

$

33,151

 

 

$

22,884

 

Net Underlying Loss and Loss Adjustment Expense Ratio (% Net Premiums Earned Plus Policy Fees)

 

30.6

%

 

 

33.1

%

 

Six Months Ended June 30,

($ in thousands)

2026

 

2025

Total Net Premiums Earned

$

186,904

 

 

$

131,571

 

Plus: Policy Fees

 

6,456

 

 

 

5,171

 

Total Net Premiums Earned Plus Policy Fees

 

193,360

 

 

 

136,742

 

Losses and Loss Adjustment Expenses, Net

$

64,876

 

 

$

42,051

 

Loss and Loss Adjustment Expense Ratio (% Net Premiums Earned Plus Policy Fees)

 

33.6

%

 

 

30.8

%

Less:

 

 

 

 

 

Current Year Net Catastrophe Losses

 

 

 

 

 

Prior Year Net Reserve Development

 

 

 

 

(1,117

)

Underlying Loss and Loss Adjustment Expenses, Net

$

64,876

 

 

$

43,168

 

Net Underlying Loss and Loss Adjustment Expense Ratio (% Net Premiums Earned Plus Policy Fees)

 

33.6

%

 

 

31.6

%

Gross underlying loss and loss adjustment expense ratio

Gross underlying loss and loss adjustment expense ratio is a non-GAAP measure. We calculate the gross underlying loss and LAE ratio by adding net underlying loss and LAE and ceded non-catastrophe losses and dividing that amount by the sum of total gross premiums earned and policy fees. We use the gross underlying loss and LAE ratio to analyze our loss trends before the impact of reinsurance.

We believe it is useful for investors to evaluate the cost of non-catastrophe losses for every dollar of gross premiums earned. The most comparable GAAP measure is the net loss and LAE ratio. The gross underlying loss and LAE ratio should not be considered a substitute for net loss and LAE ratio and does not reflect the overall profitability of our business.

The following tables summarize the gross underlying loss and LAE ratios for the three and six months ended June 30, 2026 and 2025:

 

Three Months Ended June 30,

($ in thousands)

2026

 

2025

Total Gross Premiums Earned

$

242,251

 

 

$

223,740

 

Plus: Policy Fees

 

3,711

 

 

 

2,967

 

Total Gross Premiums Earned Plus Policy Fees

 

245,962

 

 

 

226,707

 

Losses and Loss Adjustment Expenses, Net

 

33,151

 

 

 

21,189

 

Less:

 

 

 

 

 

Current Year Net Catastrophe Losses

 

 

 

 

 

Prior Year Net Reserve Development

 

 

 

 

(1,695

)

Underlying Loss and Loss Adjustment Expenses, Net

$

33,151

 

 

$

22,884

 

Add:

 

 

 

 

 

Ceded Non-Catastrophe Loss and Loss Adjustment Expense

 

11,443

 

 

 

12,356

 

Gross Underlying Loss and Loss Adjustment Expenses

$

44,594

 

 

$

35,240

 

Loss and Loss Adjustment Expense Ratio (% Net Premiums Earned Plus Policy Fees)

 

30.6

%

 

 

30.6

%

Gross Underlying Loss and Loss Adjustment Expense Ratio (% Gross Premiums Earned Plus Policy Fees)

 

18.1

%

 

 

15.5

%

 

Six Months Ended June 30,

($ in thousands)

2026

 

2025

Total Gross Premiums Earned

$

473,023

 

 

$

433,896

 

Plus: Policy Fees

 

6,456

 

 

 

5,171

 

Total Gross Premiums Earned Plus Policy Fees

 

479,479

 

 

 

439,067

 

Losses and Loss Adjustment Expenses, Net

 

64,876

 

 

 

42,051

 

Less:

 

 

 

 

 

Current Year Net Catastrophe Losses

 

 

 

 

 

Prior Year Net Reserve Development

 

 

 

 

(1,117

)

Underlying Loss and Loss Adjustment Expenses, Net

$

64,876

 

 

$

43,168

 

Add:

 

 

 

 

 

Ceded Non-Catastrophe Loss and Loss Adjustment Expense

 

24,205

 

 

 

26,376

 

Gross Underlying Loss and Loss Adjustment Expenses

$

89,081

 

 

$

69,544

 

Loss and Loss Adjustment Expense Ratio (% Net Premiums Earned Plus Policy Fees)

 

33.6

%

 

 

30.8

%

Gross Underlying Loss and Loss Adjustment Expense Ratio (% Gross Premiums Earned Plus Policy Fees)

 

18.6

%

 

 

15.8

%

Conference Call

As previously announced, American Integrity will hold a conference call to discuss its second quarter 2026 results at 9:30 a.m. Eastern Time on August 12, 2026. The call can be accessed by dialing +1 (585) 542-9983 (U.S. Local), or +1 (833) 461-5787 (U.S. Toll-Free), and using the conference ID code: 889411051. Please call the conference telephone number 10 minutes before the start time. The earnings call can also be accessed by clicking the webcast link available on the Investor Relations section of the Company’s website at www.aii.com.

A replay of the call will be available after 12:00 p.m. Eastern Time on the same day as the call and will be accessible at https://events.q4inc.com/analyst/889411051?pwd=IvBYx9vK. The replay can also be accessed via the Investor Relations section of the Company’s website at www.aii.com.

The replay will be available for one year.

About American Integrity Insurance Group, Inc.

American Integrity Insurance Group, Inc. (NYSE: AII) is a leading provider of residential property insurance, focused on delivering innovative, reliable coverage to homeowners throughout the Southeast. Built on a foundation of integrity, resilience, and service, the Company’s mission is to be the most trusted and responsive insurance solution in the markets it serves.


Contacts

Company Contact:
Brian Foley, CFO
American Integrity Insurance Group, Inc.
bfoley@aii.com


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