AII
American Integrity Insurance Group, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
25.35
▼ 0.21 (0.82%)
MARKET · —
Price
Open
25.56
Prev close
25.56
Day high
26.41
Day low
24.98
Volume
230.55K
Market cap
$496.69M
P/E (TTM)
5.99
52W range
16.19 – 26.41
Trailing performance
Returnvs SPY
1W
+5.67%
+7.0%
1M
+41.23%
+37.5%
3M
+50.36%
+47.3%
6M
+40.37%
+29.3%
YTD
+21.70%
+9.4%
1Y
+41.23%
+21.2%
3Y
—
-74.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$496.69M
Enterprise value$236.98M
Revenue (TTM)$336.20M
Gross profit$169.89M
EBITDA$122.30M
Net income$88.09M
EPS (TTM)$4.23
Free cash flow$276.91M
Total cash$293.19M
Total debt$33.48M
Book value / share$18.86
Shares outstanding19.59M
Float11.90M
Short % of float2.14%
Dividend yield—
Beta (5Y)—
Valuation & profitability ratios
Trailing P/E5.99
Forward P/E7.82
PEG ratio—
Price / sales—
Price / book1.34
EV / revenue0.71
EV / EBITDA1.94
Gross margin50.53%
Operating margin40.31%
Profit margin26.20%
Return on equity26.24%
Return on assets4.69%
Debt / equity9.06
Current ratio1.28
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 |
|---|---|---|
| Total revenue | $276.49M | $0 |
| Cost of revenue | $0 | $0 |
| Gross profit | $0 | $0 |
| R&D | — | — |
| SG&A | — | — |
| Operating income | — | — |
| Pre-tax income | — | — |
| Tax provision | $0 | $0 |
| Net income | $99.62M | $39.74M |
| EBIT | $0 | $0 |
| Line item | 2025 | 2024 |
|---|---|---|
| Cash & equivalents | — | — |
| Short-term investments | — | — |
| Net receivables | — | — |
| Inventory | — | — |
| Total current assets | — | — |
| Total assets | — | — |
| Total current liabilities | — | — |
| Long-term debt | — | — |
| Total liabilities | — | — |
| Retained earnings | — | — |
| Shareholder equity | — | — |
| Line item | 2025 | 2024 |
|---|---|---|
| Net income | $99.62M | $39.74M |
| Depreciation | — | — |
| Change in working capital | — | — |
| Operating cash flow | — | — |
| Capital expenditure | — | — |
| Investing cash flow | — | — |
| Dividends paid | — | — |
| Buybacks | — | — |
| Financing cash flow | — | — |
| Net change in cash | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.89 | 1.78 | +100.4% |
| Mar 2026 | 1.00 | — | — |
| Dec 2025 | 0.80 | 1.11 | +39.5% |
| Sep 2025 | 0.64 | 0.71 | +11.8% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | -0.14 | 5 | $105.67M | +70.4% |
| Next quarter | 1.01 | 6 | $108.65M | +59.6% |
| Current year | 3.77 | 6 | $420.42M | +52.1% |
| Next year | 3.24 | 6 | $516.99M | +23.0% |
Analyst targets & ownership
Mean target$27.00
High target$29.00
Low target$26.00
Implied upside6.51%
Analyst count4
ConsensusBUY
Strong buy / Buy4 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders38.13%
Held by institutions59.57%
Institutions holding151
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
-80.96K
Net selling
Buy transactions
15
201.43K shares
Sell transactions
5
282.39K shares
Net transactions
+20
Buys less sells
Sell : buy shares
1.4 : 1
Mixed
Insider-held shares
7.47M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 17, 26 | RITCHIE ROBERT C Chief Executive Officer |
SELL | 75.40K | $1.86M | Direct |
| Aug 13, 26 | RITCHIE ROBERT C Chief Executive Officer |
SELL | 88.26K | $2.07M | Direct |
| Aug 10, 26 | RITCHIE ROBERT C Chief Executive Officer |
SELL | 5.80K | $120.18K | Direct |
| Aug 7, 26 | RITCHIE ROBERT C Chief Executive Officer |
SELL | 49.92K | $1.04M | Direct |
| Aug 4, 26 | RITCHIE ROBERT C Chief Executive Officer |
SELL | 63.00K | $1.31M | Direct |
| Jun 30, 26 | CSISZAR ERNST N Director |
STOCK | 870 | $0 | Direct |
| Jun 30, 26 | MATHIS STEVEN B Director |
STOCK | 870 | $0 | Direct |
| Jun 30, 26 | SMATHERS STEVEN E Director |
STOCK | 870 | $0 | Direct |
| Jun 9, 26 | SOWELL JAMES E Beneficial Owner of more than 10% of a Class of Security |
BUY | 136.36K | $2.30M | Indirect |
| May 26, 26 | MATHIS STEVEN B Director |
BUY | 3.00K | $50.46K | Direct |
| May 22, 26 | CLARK DAVID LEWIS Chairman of the Board |
BUY | 5.83K | $99.98K | Direct |
| May 22, 26 | SMATHERS STEVEN E Director |
BUY | 2.90K | $49.27K | Direct |
| Apr 6, 26 | FOLEY BRIAN Chief Financial Officer |
STOCK | 4.26K | $0 | Direct |
| Mar 31, 26 | CSISZAR ERNST N Director |
STOCK | 778 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CLARK DAVID LEWIS |
Chairman of the Board | 484.89K | Purchase |
CSISZAR ERNST N |
Director | 4.00K | Stock Award(Grant) |
FOLEY BRIAN |
Chief Financial Officer | 4.26K | Stock Award(Grant) |
LURIE BENJAMIN A |
Chief Financial Officer | 85.53K | Stock Award(Grant) |
MATHIS STEVEN B |
Director | 7.00K | Stock Award(Grant) |
RITCHIE JON P |
President | 181.24K | Stock Award(Grant) |
RITCHIE ROBERT C |
Chief Executive Officer | 2.15M | Sale |
SMATHERS STEVEN E |
Director | 178.70K | Stock Award(Grant) |
SOWELL JAMES E |
Beneficial Owner of more than 10% of a Class of Security | — | Purchase |
Moving averages & technicals
SMA 10
23.77
+6.65% from price
SMA 20
22.10
+14.70% from price
SMA 50
19.82
+27.89% from price
SMA 100
19.02
+33.26% from price
SMA 200
19.54
+29.71% from price
EMA 12
23.68
+7.06% from price
EMA 26
22.01
+15.18% from price
EMA 50
20.64
+22.80% from price
RSI (14)
76.2
Overbought
MACD (12,26,9)
1.67
Hist 0.36
ATR (14)
1.09
4.32% of price
Realised vol 30D
48.3%
Annualised
Bollinger upper
26.44
20, 2σ
Bollinger lower
17.76
20, 2σ
50 / 200 cross
Golden
19.82 vs 19.54
Trend bias
Above 200
+29.71%
Risk profile
Beta vs SPY
0.15
Less volatile than market
Correlation to SPY
0.05
Largely independent
Realised vol 30D
48.3%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-37.5%
Peak to trough
Max drawdown 5Y
-37.5%
Peak to trough
ATR 14
1.09
4.32% of price
Beta (reported)
—
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
American Integrity Insurance (AII) Q2 2026 Earnings Call Transcript
Motley Fool · 3d ago
Best Momentum Stock to Buy for August 18th
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American Integrity Insurance Group Inc (AII) (Q2 2026) Earnings Call Highlights: Record Pre-Tax ...
GuruFocus.com · 9d ago
American Integrity Insurance Group Q2 Earnings Call Highlights
MarketBeat · 10d ago
American Integrity Insurance Group, Inc. Q2 2026 Earnings Call Summary
Moby · 10d ago
Here's What Key Metrics Tell Us About American Integrity Insurance (AII) Q2 Earnings
Zacks · 11d ago
American Integrity Insurance Group, Inc. Reports Second Quarter 2026 Results
Business Wire · 11d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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