American Integrity Insurance Group, Inc. (AII) Form 8-K — Aug 11, 2026
American Integrity Insurance Group (NYSE: AII) reported record Q2 2026 results, with income before income taxes of $46.4 million, up 92.7% year over year and a new quarterly record, and net income of $34.1 million, or $1.74 per diluted share. Adjusted net income was $34.9 million, or $1.78 per diluted share. Growth was broad-based: the company sold a record 43,000 voluntary new business policies (up 54% YoY), gross premiums written rose 14% to $327 million, and policies in-force reached 461,714 (+15.7%). Net premiums earned surged 58.2% to $104.7 million, helped by cutting the non-catastrophe quota share ceding percentage from 40% to 25% effective January 1, 2026.
Key figures
- Eps
- 1.74
- Revenue
- 115171000
- Net Income
- 34146000
- Total Debt
- 412000
- Revenue Yoy
- 54.6%
- Total Assets
- 1612281000
- Cash Position
- 288453000
- Shares Outstanding
- 19593427
- Cat Xol Cost
- $430-440 million
- Pre Tax Income
- $46.4 million (record; +92.7% YoY)
- Combined Ratio
- 63.4% vs 72.9% in Q2 2025
- Cat Xol Coverage
- $3 billion total third-party catastrophe coverage
- In Force Premium
- $1,029 million (+11.7% YoY)
- Return On Equity
- 38.7%
- Cat Rate Decrease
- upper end of 15-20% risk-adjusted declines
- Policies In Force
- 461714
- Adjusted Net Income
- $34.9 million (+11.4% YoY)
- Book Value Per Share
- 18.86
- Six Month Net Income
- $54.1 million (-17.6% YoY)
- Adjusted Diluted Eps
- 1.78
- Aggregate Retention
- reduced from $95 million to $75 million
- Shareholders Equity
- $369.5 million
- Net Premiums Earned Q2
- $104.7 million (+58.2% YoY)
- Six Month Pre Tax Income
- $73.7 million (+10.0% YoY)
- Voluntary New Policies
- 43K (record; +54% YoY, +44% QoQ)
- Six Month Combined Ratio
- 68.5% vs 58.1% in 1H 2025
- Adjusted Return On Equity
- 39.6%
- Gross Premiums Written Q2
- $326.6 million (+13.8% YoY)
- Book Value Per Share Growth
- +22.3% YoY
Price after filing
Close on the filing date to close N calendar days later (from $21.00). Historical, not a forecast.
AI analysis
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