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    American Integrity Insurance (AII)

    Market Price (11/6/2026): $27.06 | Market Cap: $530.2 MilSector: Financials | Industry: Property & Casualty Insurance

    American Integrity Insurance (AII)

    Market Price (11/6/2026): $27.06
    Market Cap: $530.2 Mil
    Sector: Financials
    Industry: Property & Casualty Insurance

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 20%, Dividend Yield is 3.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 15%, FCF Yield is 31%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -92%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 29%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 51%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 49%

    Low stock price volatility
    Vol 12M is 41%

    Megatrend and thematic drivers
    Megatrends include Climate Change Adaptation & Risk Management. Themes include Catastrophe Risk Underwriting, Coastal Property Insurance, and Climate Data Analytics for Insurance.

    Weak multi-year price returns
    3Y Excs Rtn is -14%

    Key risks
    AII key risks include [1] severe catastrophe exposure from its heavy concentration in Florida, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 20%, Dividend Yield is 3.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 15%, FCF Yield is 31%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -92%
    2 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 29%
    3 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 51%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 49%
    4 Low stock price volatility
    Vol 12M is 41%
    5 Megatrend and thematic drivers
    Megatrends include Climate Change Adaptation & Risk Management. Themes include Catastrophe Risk Underwriting, Coastal Property Insurance, and Climate Data Analytics for Insurance.
    6 Weak multi-year price returns
    3Y Excs Rtn is -14%
    7 Key risks
    AII key risks include [1] severe catastrophe exposure from its heavy concentration in Florida, Show more.

    AII in ETFs

    Weight = AII's share of each fund

    VTI0.00%
    IWM0.01%
    AVUV0.03%
    IWN0.02%
    VTWO0.01%
    SCHA0.01%
    DFAS0.00%
    SCHB0.00%

    Valuation & Metrics

    FYE: 12/31AII [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$336.2 Mil—
    FY 2026 Sales$1.0 Bil—
    FY 2027 Sales$1.1 Bil—
    FY 2026 Sales Growth202.2%—
    FY 2027 Sales Growth6.0%8.7%
    EARNINGS
    LTM Net Income (GAAP) [3]$88.1 Mil—
    FY 2026 Net Income (Non-GAAP)$80.9 Mil—
    FY 2027 Net Income (Non-GAAP)$55.9 Mil—
    FY 2027 Net Income Growth-30.9%13.9%
    FY 2026 EPS (Non-GAAP)$4.30—
    FY 2027 EPS (Non-GAAP)$3.28—
    FY 2027 EPS Growth-23.7%—
    VALUATION
    FY 2026 P/S0.51.7
    FY 2027 P/S0.5—
    FY 2026 P/E6.68.7
    FY 2027 P/E9.5—

    [1] AII forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 11/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    AIIS&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)0.3
    Rev Chg Q54.6%8.9%
    Rev Chg LTM29.3%8.6%
    Rev Chg 3Y Avg29.3%6.3%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.2
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM51.3%21.5%
    Net Inc Mgn26.2%13.5%
    VALUATIONVERY LOW
    P/S1.63.3
    P/CFO3.115.7
    P/FCF3.220.6
    P/E6.022.9

    AI Analysis | Feedback

    MetricValueDateSource
    Policies In-force3991386302025Link
    Combined Ratio72.9%6302025Link
    Loss Ratio30.6%6302025Link
    Expense Ratio42.3%6302025Link

    Price Chart

    No Events

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/5/2026

    American Integrity Insurance (AII) stock has gained about 35% since 7/31/2026 because of the following key factors:

    1. American Integrity Insurance (AII) significantly surpassed analyst expectations in its fiscal Q3 2026 earnings report on August 11, 2026. The company reported quarterly earnings of $1.78 per share, which was more than double the consensus estimate of $0.89 per share. Revenue for the fiscal quarter also saw robust year-over-year growth, reaching $115 million, a 54.6% increase from $75 million in the same period a year prior. This strong financial performance likely served as a primary catalyst for the stock's upward trend, with the price rising 44.4% between the earnings announcement and November 2, 2026.

    2. Analysts maintained a positive outlook and upgraded American Integrity Insurance Group's stock, contributing to increased investor confidence. Over the past 90 days, the company received at least one analyst upgrade. The consensus rating from seven Wall Street analysts is a "Moderate Buy," with five recommending "Buy" and one giving a "Strong Buy" rating. This positive sentiment from analysts is reflected in the average consensus rating for American Integrity Insurance Group, which is higher than the "Hold" average for other finance companies.

    Show more
    Updated on 11/5/2026

    American Integrity Insurance (AII) stock has gained about 35% since 7/31/2026 because of the following key factors:

    1. American Integrity Insurance (AII) significantly surpassed analyst expectations in its fiscal Q3 2026 earnings report on August 11, 2026. The company reported quarterly earnings of $1.78 per share, which was more than double the consensus estimate of $0.89 per share. Revenue for the fiscal quarter also saw robust year-over-year growth, reaching $115 million, a 54.6% increase from $75 million in the same period a year prior. This strong financial performance likely served as a primary catalyst for the stock's upward trend, with the price rising 44.4% between the earnings announcement and November 2, 2026.

    2. Analysts maintained a positive outlook and upgraded American Integrity Insurance Group's stock, contributing to increased investor confidence. Over the past 90 days, the company received at least one analyst upgrade. The consensus rating from seven Wall Street analysts is a "Moderate Buy," with five recommending "Buy" and one giving a "Strong Buy" rating. This positive sentiment from analysts is reflected in the average consensus rating for American Integrity Insurance Group, which is higher than the "Hold" average for other finance companies.

    3. The stock exhibited strong price momentum and an attractive valuation, appealing to investors. As of November 2, 2026, American Integrity Insurance Group demonstrated a weighted four-quarter relative price strength of 13.69%, resulting in a "Very Strong" Momentum Score of 89. Additionally, the company's valuation, based on AAII's Value Grade, was rated an "A," indicating it is considered a "Deep Value" stock. This combination of strong momentum and perceived undervaluation likely attracted buyers to the stock.

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    Stock Movement Drivers

    Fundamental Drivers

    The 33.5% change in AII stock from 7/31/2026 to 11/5/2026 was primarily driven by a 23.4% change in the company's P/E Multiple.
    (LTM values as of)731202611052026Change
    Stock Price ($)20.2927.0833.5%
    Change Contribution By: 
    Total Revenues ($ Mil)29633613.8%
    Net Income Margin (%)27.6%26.2%-4.9%
    P/E Multiple4.96.023.4%
    Shares Outstanding (Mil)20200.0%
    Cumulative Contribution33.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/5/2026
    ReturnCorrelation
    AII33.5% 
    Market (SPY)-1.9%23.6%
    Sector (XLF)1.0%22.9%

    Fundamental Drivers

    The 38.2% change in AII stock from 4/30/2026 to 11/5/2026 was primarily driven by a 56.1% change in the company's P/E Multiple.
    (LTM values as of)430202611052026Change
    Stock Price ($)19.6027.0838.2%
    Change Contribution By: 
    Total Revenues ($ Mil)27633621.6%
    Net Income Margin (%)36.0%26.2%-27.3%
    P/E Multiple3.96.056.1%
    Shares Outstanding (Mil)20200.1%
    Cumulative Contribution38.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/5/2026
    ReturnCorrelation
    AII38.2% 
    Market (SPY)2.3%-5.6%
    Sector (XLF)10.7%22.4%

    Fundamental Drivers

    The 20.0% change in AII stock from 10/31/2025 to 11/5/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.
    (LTM values as of)1031202511052026Change
    Stock Price ($)22.5727.0820.0%
    Change Contribution By: 
    Total Revenues ($ Mil)�3360.0%
    Net Income Margin (%)�26.2%0.0%
    P/E Multiple�6.00.0%
    Shares Outstanding (Mil)20200.0%
    Cumulative Contribution0.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/5/2026
    ReturnCorrelation
    AII20.0% 
    Market (SPY)8.4%9.0%
    Sector (XLF)11.1%28.7%

    Fundamental Drivers

    null
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    Market Drivers

    10/31/2023 to 11/5/2026
    ReturnCorrelation
    AII  
    Market (SPY)81.3%8.4%
    Sector (XLF)85.5%26.8%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    AII Return----23%37%69%
    Peers Return14%-51%149%53%91%19%382%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    AII Win Rate----62%55% 
    Peers Win Rate53%44%72%58%75%48% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    AII Max Drawdown------18% 
    Peers Max Drawdown-38%-67%-31%-33%-22%-23% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: HCI, UVE, HRTG.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 11/5/2026 (YTD)

    How Low Can It Go

    AII has limited trading history. Below is the Financials sector ETF (XLF) in its place.

    EventXLFS&P 500
    2025 US Tariff Shock
      % Loss-15.5%-18.8%
      % Gain to Breakeven18.4%23.1%
      Time to Breakeven80 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-10.7%-9.5%
      % Gain to Breakeven12.0%10.5%
      Time to Breakeven26 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-16.1%-6.7%
      % Gain to Breakeven19.1%7.1%
      Time to Breakeven270 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-22.3%-24.5%
      % Gain to Breakeven28.6%32.4%
      Time to Breakeven467 days427 days
    2020 COVID-19 Crash
      % Loss-42.8%-33.7%
      % Gain to Breakeven74.8%50.9%
      Time to Breakeven289 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-19.7%-19.2%
      % Gain to Breakeven24.5%23.8%
      Time to Breakeven123 days105 days

    Compare to HCI, UVE, HRTG

    In The Past

    State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    AII has limited trading history. Below is the Financials sector ETF (XLF) in its place.

    EventXLFS&P 500
    2022 Inflation Shock & Fed Tightening
      % Loss-22.3%-24.5%
      % Gain to Breakeven28.6%32.4%
      Time to Breakeven467 days427 days
    2020 COVID-19 Crash
      % Loss-42.8%-33.7%
      % Gain to Breakeven74.8%50.9%
      Time to Breakeven289 days140 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-21.4%-12.2%
      % Gain to Breakeven27.3%13.9%
      Time to Breakeven272 days62 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-26.1%-17.9%
      % Gain to Breakeven35.3%21.8%
      Time to Breakeven162 days123 days
    2008-2009 Global Financial Crisis
      % Loss-78.3%-53.4%
      % Gain to Breakeven359.8%114.4%
      Time to Breakeven2329 days1085 days

    Compare to HCI, UVE, HRTG

    In The Past

    State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About American Integrity Insurance (AII)

    American Integrity Insurance (AII) is a specialty residential property insurance company headquartered in Tampa, Florida. The company primarily provides insurance coverage for single-family homeowners, condominium owners, vacant dwellings, and investment properties, with approximately 98.6% of its direct premiums written concentrated in Florida. Founded in 2006 to address market dislocations after severe hurricane seasons, AII has grown to become the seventh largest writer of residential property insurance in Florida, specializing in this complex and high-risk market.

    The company's core offering is residential property insurance tailored to Florida's distinct regulatory environment and elevated threat of catastrophic weather events, such as hurricanes. AII leverages specialized expertise, localized market knowledge, granular underwriting, and advanced technology to manage risk and maintain profitability in this challenging market. Their technology-forward platform enhances data access, underwriting decisions, and claims handling, enabling them to adapt to changing market conditions effectively.

    AII serves the growing population and property insurance market in Florida, targeting policyholders seeking reliable coverage from a disciplined provider. The company believes recent legislative reforms enacted in Florida, including Assignment of Benefits (AOB) reform and other measures in late 2022, are proving effective in combating historical legal system abuse and claims fraud. This creates a more stable and resilient property insurance market, presenting significant opportunities for AII to profitably underwrite residential property insurance in the state, with potential for their expertise to be transferable to other Southeastern coastal states.

    AI Analysis | Feedback

    They are like Progressive or GEICO for Florida homeowners, but highly specialized in that unique market's risks, leveraging advanced technology and deep local expertise to succeed where national carriers have struggled.

    Consider them a State Farm or Allstate for Florida properties, but one that laser-focuses on and profits from the market's specific challenges and risks, filling the void left when many larger insurers retreated.

    AI Analysis | Feedback

    • Single-Family Homeowners Insurance: Provides residential property insurance coverage for single-family homes.
    • Condominium Owners Insurance: Offers residential property insurance coverage specifically for condominium units.
    • Vacant Dwelling Insurance: Supplies property insurance coverage for unoccupied residential properties.
    • Investment Property Insurance: Delivers property insurance coverage for residential properties held for investment purposes.

    AI Analysis | Feedback

    American Integrity Insurance (AII) sells primarily to individuals and property owners. Its major customer categories include:

    1. Single-family homeowners: Individuals who own and reside in single-family homes in Florida.
    2. Condominium owners: Individuals who own condominium units in Florida.
    3. Owners of vacant dwellings and investment properties: Individuals or entities who own non-owner-occupied properties, such as rental homes or unoccupied dwellings, primarily in Florida.

    AI Analysis | Feedback

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    AI Analysis | Feedback

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    Bob Ritchie, Chief Executive Officer, Founder, Director

    Bob Ritchie is the Founder of American Integrity Insurance, establishing the company in 2006 to address a shortage of reliable home insurance options in Florida following the 2004 and 2005 hurricane seasons. He possesses over 35 years of experience in the insurance industry, having built and transformed various businesses ranging from startups to large national insurance companies, including American Modern, AIG, CNA, and conglomerates like GE Insurance Solutions.

    Ben Lurie, Chief Financial Officer, Secretary and Treasurer

    Ben Lurie joined American Integrity in 2017 and has held various positions within the company, most recently being appointed Chief Financial Officer in December 2024. He has also served as a Director, Vice President, and Secretary of American Integrity Insurance Group, LLC since 2017.

    Jon Ritchie, President

    Jon Ritchie has been with American Integrity since 2009. He previously served as Chief Operating Officer (COO) from 2019, overseeing daily operations in areas such as risk, claims, underwriting, client services, actuarial services, and IT, and holding full profit and loss responsibilities. He was promoted to President in November 2024.

    Steve Biggs, Chief Accounting Officer

    Steve Biggs is responsible for leading American Integrity's accounting and finance functions, which include accounting operations, reinsurance accounting, and financial reporting. He brings over 20 years of experience in the property and casualty insurance industry, with prior leadership roles including Division Chief Financial Officer at Horace Mann Educators Corporation and leading strategy and business development at Embark MGA.

    Dick Dowd, Executive Vice President of Sales and Marketing

    Dick Dowd is an insurance industry veteran. His previous executive roles include Senior Vice President of Property for Aegis Security Insurance Company, Executive Vice President of Sales for American Modern Insurance Company, and Senior Vice President of Personal Lines for Harleysville Insurance Company.

    ```

    AI Analysis | Feedback

    Key Risks for American Integrity Insurance (AII)

    1. Exposure to Catastrophic Weather Events: American Integrity Insurance operates predominantly in Florida, a region highly susceptible to severe weather events, including hurricanes. The company's business model is inherently exposed to the elevated threat of property damage from such catastrophes, which can lead to significant insured losses and impact profitability.

    2. Geographic Concentration in Florida: With 98.6% of its direct premiums written and 97.6% of its policies in-force in Florida as of December 31, 2024, American Integrity Insurance faces significant geographic concentration risk. Any adverse economic, environmental, or market conditions specific to Florida could disproportionately affect the company's financial performance and operational stability.

    3. Florida's Complex Regulatory and Legal Environment: The Florida property insurance market is characterized by a distinct and complex regulatory environment, as well as historical challenges related to a general tort environment that led to increased litigation and claims fraud. While recent legislative reforms are believed to be effective in combating these issues, any future changes to regulations or a resurgence of legal system abuse could negatively impact the company's ability to profitably underwrite residential property insurance.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    American Integrity Insurance's addressable market for its main products, primarily personal residential property insurance for homeowners, condominium owners, vacant dwellings, and investment properties, is located predominantly in Florida. As of the first quarter of 2025, the total direct premiums written for personal and commercial residential property insurance in Florida amounted to approximately $23 billion. The Florida property market had around 7.45 million residential insurance policies in force as of Q4 2023, with approximately 81% of these policies written by admitted insurers. The average homeowner's premium in the admitted market in Florida was approximately $3,600 at the close of 2023. Additionally, as of April 2025, there were a total of 8,306,505 residential properties in Florida.

    AI Analysis | Feedback

    Here are the expected drivers of future revenue growth for American Integrity Insurance (AII) over the next 2-3 years:
    1. Voluntary Policy Growth and Customer Expansion: American Integrity Insurance anticipates continued revenue growth through an increase in new and renewal policies written in the voluntary market. The company reported a 19% increase in its customer base, reaching nearly 422,000, with voluntary policies growing 16% to 327,000 in 2025. This focus on organic, voluntary growth, supported by strong agency relationships and disciplined underwriting, is expected to be a significant driver as the company shifts away from large Citizens takeouts.
    2. Geographic Expansion into New Markets: The company is actively pursuing geographic diversification beyond its core Florida market. This includes reentry into Florida's Tri-County region, which is expected to be a multi-year growth opportunity through 2026, and expansion into other Southeastern coastal states like North Carolina, where it began offering homeowners insurance products in January 2026.
    3. Launch of New Commercial Residential Products: American Integrity Insurance launched a new commercial residential property program in October 2025. This program is designed to provide comprehensive protection for condominium associations, townhome associations, and residential homeowners associations in Florida, diversifying its product offerings and opening new revenue streams.
    4. Favorable Florida Legislative and Market Conditions: The legislative reforms enacted in Florida in late 2022, including Assignment of Benefits (AOB) reform, are creating a more stable and resilient property insurance market. These improved market conditions allow American Integrity to pursue additional new business opportunities, including underwriting older properties and middle-aged homes, which previously did not meet its underwriting and profitability criteria.
    5. Optimized Reinsurance Strategy: The company's strategy to reduce its non-catastrophe quota share from a 40% cession rate to 25% and secure improved treaty pricing for its reinsurance program is expected to directly increase net revenue. Management projects this change will drive additional revenue and reduce reinsurance costs by approximately 50% during 2026, positively impacting net income.

    AI Analysis | Feedback

    Share Issuances

    • American Integrity Insurance Group, Inc. completed its Initial Public Offering (IPO) in May 2025, with shares commencing trading on the New York Stock Exchange under the symbol "AII" on May 8, 2025.
    • The company issued 6,250,000 shares of common stock as part of the IPO, while existing stockholders sold an additional 625,000 shares.
    • The IPO was priced at $16.00 per share, and the offering targeted to raise $126.5 million in total.

    Inbound Investments

    • Through its IPO in May 2025, American Integrity Insurance Group, Inc. received net proceeds, which it intends to use for general corporate purposes, including contributing capital to its insurance subsidiary to support growth.

    Outbound Investments

    • American Integrity Insurance Group expanded its operations into North Carolina in January 2026 as part of its regional growth strategy.
    • The company has also reached 15,000 policies in South Carolina, indicating an expansion of its presence in the Southeast.

    Capital Expenditures

    • The company utilizes a technology-forward platform and advanced technology solutions across its insurance processes, from risk selection to claims handling, indicating ongoing investments in technology infrastructure.
    • A new aii.com website was launched in December 2025, further strengthening its digital presence.

    Peer Outperformance in Property & Casualty Insurance

    null
    Share of Property & Casualty Insurance constituents that AII has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    46%
    of 46 industry peers · 16.5% return
    3Y
    —
    insufficient peer history
    5Y
    —
    insufficient peer history
    null
    Median price return by industry across the Financials sector, ranked by 5Y. Property & Casualty Insurance is AII's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
    Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
    Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
    Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
    Property & Casualty Insurance ← 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
    Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
    Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
    Regional Banks 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
    Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
    Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
    Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
    Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
    Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
    Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
    Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
    Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
    Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
    Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

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    Peer Comparisons

    Peers to compare with:

    Financials

    AIIHCIUVEHRTGMedian
    NameAmerican.HCI Universa.Heritage. 
    Mkt Price27.06191.5147.3433.6640.50
    Mkt Cap0.52.31.31.01.2
    Rev LTM3369531,668796875
    Op Inc LTM-----
    FCF LTM164409360298329
    FCF 3Y Avg-420281153281
    CFO LTM173411365305335
    CFO 3Y Avg-425286161286

    Growth & Margins

    AIIHCIUVEHRTGMedian
    NameAmerican.HCI Universa.Heritage. 
    Rev Chg LTM29.3%22.8%5.5%-1.8%14.2%
    Rev Chg 3Y Avg-24.9%7.4%4.5%7.4%
    Rev Chg Q54.6%11.2%9.6%3.0%10.4%
    QoQ Delta Rev Chg LTM13.8%2.7%2.4%0.8%2.5%
    Op Inc Chg LTM-----
    Op Inc Chg 3Y Avg-----
    Op Mgn LTM-----
    Op Mgn 3Y Avg-----
    QoQ Delta Op Mgn LTM-----
    CFO/Rev LTM51.3%43.2%21.9%38.3%40.7%
    CFO/Rev 3Y Avg-53.1%17.9%21.2%21.2%
    FCF/Rev LTM48.7%43.0%21.6%37.4%40.2%
    FCF/Rev 3Y Avg-52.5%17.6%20.2%20.2%

    Valuation

    AIIHCIUVEHRTGMedian
    NameAmerican.HCI Universa.Heritage. 
    Mkt Cap0.52.31.31.01.2
    P/S1.62.50.81.31.4
    P/Op Inc-----
    P/EBIT-5.14.13.44.1
    P/E6.07.65.64.75.8
    P/CFO3.15.73.63.33.4
    Total Yield20.4%14.0%19.5%21.3%19.9%
    Dividend Yield3.8%0.9%1.7%0.0%1.3%
    FCF Yield 3Y Avg-28.9%34.0%41.4%34.0%
    D/E0.10.00.10.10.1
    Net D/E-0.9-0.4-0.5-0.6-0.6

    Returns

    AIIHCIUVEHRTGMedian
    NameAmerican.HCI Universa.Heritage. 
    1M Rtn5.0%3.8%8.8%-1.5%4.4%
    3M Rtn27.6%6.1%5.0%-4.4%5.6%
    6M Rtn37.6%25.9%17.7%20.1%23.0%
    12M Rtn16.4%-5.0%47.7%35.9%26.2%
    3Y Rtn69.0%218.3%229.4%376.8%223.8%
    1M Excs Rtn3.8%4.0%6.1%-1.1%3.9%
    3M Excs Rtn29.7%2.6%8.1%3.7%5.9%
    6M Excs Rtn32.8%21.1%12.9%15.3%18.2%
    12M Excs Rtn6.8%-19.7%36.3%27.2%17.0%
    3Y Excs Rtn-14.2%154.6%149.8%386.3%152.2%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q1
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/2024
    Filing Date8/13/20265/14/20262/27/202611/13/20258/13/20256/10/20255/8/202511/13/20258/13/20256/10/2025
    Key Financials Quarterly          
    Total Revenue115916862747267474644
    Net Income342021132738851512
    EPS1.741.021.070.671.621.830.410.220.720.62
    Key Financials TTM          
    Total Revenue TTM336296276276260232204---
    Net Income TTM888110087796640---
    Growth Rates Quarterly          
    Total Revenue Growth54.6%26.5%1.4%33.3%60.6%62.2%----
    Net Income Growth24.2%-47.7%148.5%191.7%86.7%214.7%----
    Margins Quarterly          
    Net Income Margin29.6%21.9%30.7%21.2%36.9%53.0%12.5%9.7%31.7%27.3%
    Cash & Debt          
    Total Cash519383374502340443387---
    Total Debt333312234000
    Net Debt / (Cash)-486-349-373-500-338-440-384---
    Cash Flows Quarterly          
    FCF from Operations123750-72768153-3147-20
    Cash Flows TTM          
    FCF from Operations TTM17377138241217237149---
    Returns to Shareholders Quarterly          
    Dividends020008150084
    Share Repurchases-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly          
    ROIC----------
    Return on Invested Capital (ROIC) TTM          
    ROIC TTM----------

    Segment Financials

    Revenue by Segment
    $ Mil202520242023
    Single Segment276204201
    Total276204201


    Price Behavior

    Price Behavior
    Market Price$27.08 
    Market Cap ($ Bil)0.5 
    First Trading Date05/08/2025 
    Distance from 52W High-8.3% 
       50 Days200 Days
    DMA Price$26.89$20.89
    DMA Trendupup
    Distance from DMA0.7%29.6%
     3M1YR
    Volatility41.9%41.0%
    Downside Capture-76.18-7.05
    Upside Capture123.3024.51
    Correlation (S&P 500)-0.0%4.3%
    AII Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta-0.450.110.18-0.620.13-0.07
    Up Beta-4.12-1.38-1.08-0.880.440.04
    Down Beta0.460.27-0.16-1.08-0.07-0.09
    Up Capture75%69%150%10%16%3%
    Bmk +ve Days12182862130427
    Stock +ve Days15243669127185
    Down Capture-182%-31%-76%-148%-14%-28%
    Bmk -ve Days10253664121325
    Stock -ve Days7192857119178

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with AII
    AII20.5%41.0%0.55-
    Sector ETF (XLF)11.1%15.2%0.4728.6%
    Equity (SPY)9.5%13.6%0.419.3%
    Gold (GLD)3.6%28.7%0.11-9.9%
    Commodities (DBC)37.7%21.2%1.40-11.5%
    Real Estate (VNQ)12.0%14.2%0.5532.1%
    Bitcoin (BTCUSD)-20.8%43.3%-0.425.9%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with AII
    AII11.1%38.6%0.99-
    Sector ETF (XLF)9.1%18.4%0.3626.8%
    Equity (SPY)11.3%17.3%0.488.4%
    Gold (GLD)17.5%19.1%0.74-8.7%
    Commodities (DBC)8.0%19.6%0.29-9.2%
    Real Estate (VNQ)1.2%18.9%-0.0526.4%
    Bitcoin (BTCUSD)5.9%51.5%0.291.9%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with AII
    AII5.4%38.6%0.99-
    Sector ETF (XLF)13.3%22.1%0.5426.8%
    Equity (SPY)14.9%18.0%0.708.4%
    Gold (GLD)12.0%16.5%0.59-8.7%
    Commodities (DBC)7.6%18.1%0.33-9.2%
    Real Estate (VNQ)5.7%20.7%0.2326.4%
    Bitcoin (BTCUSD)61.3%66.2%1.011.9%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.4 Mil
    Short Interest: % Change Since 9302026-2.7%
    Average Daily Volume0.2 Mil
    Days-to-Cover Short Interest2.0 days
    Basic Shares Quantity19.6 Mil
    Short % of Basic Shares2.3%

    Earnings Returns History

    Updated 9/14/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    8/11/202613.5%25.1%25.9%
    5/12/2026-13.9%-15.5%-14.0%
    2/24/202610.3%12.3%10.7%
    11/12/2025-6.5%-11.5%-22.7%
    8/12/2025-1.0%3.1%12.8%
    6/9/2025-3.5%-2.7%2.0%
    SUMMARY STATS   
    # Positive234
    # Negative432
    Median Positive11.9%12.3%11.8%
    Median Negative-5.0%-11.5%-18.3%
    Max Positive13.5%25.1%25.9%
    Max Negative-13.9%-15.5%-22.7%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    8/11/202613.5%25.1%25.9%
    5/12/2026-13.9%-15.5%-14.0%
    2/24/202610.3%12.3%10.7%
    11/12/2025-6.5%-11.5%-22.7%
    8/12/2025-1.0%3.1%12.8%
    6/9/2025-3.5%-2.7%2.0%
    SUMMARY STATS   
    # Positive234
    # Negative432
    Median Positive11.9%12.3%11.8%
    Median Negative-5.0%-11.5%-18.3%
    Max Positive13.5%25.1%25.9%
    Max Negative-13.9%-15.5%-22.7%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/13/202610-Q
    03/31/202605/14/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/13/202510-Q
    06/30/202508/13/202510-Q
    03/31/202506/10/202510-Q
    12/31/202405/08/2025424B4
    12/31/202302/10/2025DRS
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/13/202610-Q
    03/31/202605/14/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/13/202510-Q
    06/30/202508/13/202510-Q
    03/31/202506/10/202510-Q
    12/31/202405/08/2025424B4
    12/31/202302/10/2025DRS

    Insider Activity

    Updated 10/15/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Ritchie, Robert CChief Executive OfficerDirectSell1015202627.2326,436719,85247,216,738Form
    2Ritchie, Robert CChief Executive OfficerDirectSell1013202627.4150,7001,389,68748,253,469Form
    3Ritchie, Robert CChief Executive OfficerDirectSell1013202627.1269,7271,890,99649,117,927Form
    4Ritchie, Robert CChief Executive OfficerDirectSell1013202627.053,13784,85650,877,263Form
    5Ritchie, Robert CChief Executive OfficerDirectSell901202626.506,000159,00050,169,032Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Ritchie, Robert CChief Executive OfficerDirectSell1015202627.2326,436719,85247,216,738Form
    2Ritchie, Robert CChief Executive OfficerDirectSell1013202627.4150,7001,389,68748,253,469Form
    3Ritchie, Robert CChief Executive OfficerDirectSell1013202627.1269,7271,890,99649,117,927Form
    4Ritchie, Robert CChief Executive OfficerDirectSell1013202627.053,13784,85650,877,263Form
    5Ritchie, Robert CChief Executive OfficerDirectSell901202626.506,000159,00050,169,032Form
    6Ritchie, Robert CChief Executive OfficerDirectSell828202626.3510,000263,50050,043,156Form
    7Ritchie, Robert CChief Executive OfficerDirectSell828202626.6354,3651,447,74050,841,224Form
    8Ritchie, Robert CChief Executive OfficerDirectSell826202626.2965,0001,708,85051,621,361Form
    9Ritchie, Robert CChief Executive OfficerDirectSell826202626.3045,4611,195,62453,350,497Form
    10Ritchie, Robert CChief Executive OfficerDirectSell824202625.6824,614632,18153,268,079Form
    11Ritchie, Robert CChief Executive OfficerDirectSell824202625.0835,000877,80052,633,164Form
    12Ritchie, Robert CChief Executive OfficerDirectSell820202625.246,000151,44053,852,342Form
    13Ritchie, Robert CChief Executive OfficerDirectSell820202625.3412,000304,08054,217,743Form
    14Ritchie, Robert CChief Executive OfficerDirectSell818202624.9255,0001,370,60053,618,146Form
    15Ritchie, Robert CChief Executive OfficerDirectSell818202624.1220,402492,09653,223,457Form
    16Ritchie, Robert CChief Executive OfficerDirectSell814202623.6550,0001,182,50052,668,857Form
    17Ritchie, Robert CChief Executive OfficerDirectSell814202623.0838,260883,19152,562,416Form
    18Ritchie, Robert CChief Executive OfficerDirectSell812202620.725,800120,17647,972,457Form
    19Ritchie, Robert CChief Executive OfficerDirectSell810202621.0112,959272,26948,765,744Form
    20Ritchie, Robert CChief Executive OfficerDirectSell810202620.8336,965769,98148,617,887Form
    21Ritchie, Robert CChief Executive OfficerDirectSell805202620.8530,000625,50049,435,287Form
    22Ritchie, Robert CChief Executive OfficerDirectSell805202620.6833,000682,44049,652,618Form
    23Sowell, James E See FootnotesBuy611202616.8579,4971,339,52477,681,533Form
    24Sowell, James E See FootnotesBuy611202616.9133,628568,64976,613,850Form
    25Sowell, James E See FootnotesBuy611202616.9223,231393,06976,090,171Form
    26Mathis, Steven B DirectBuy527202616.823,00050,460103,039Form
    27Smathers, Steven E DirectBuy527202616.992,90049,2713,021,281Form
    28Clark, David LewisChairmanDirectBuy526202617.155,83099,984401,756Form
    29Sowell, James E See FootnotesSell1205202519.00295,0375,605,70385,002,656Form
    30Ritchie, Robert CChief Executive OfficerDirectSell1205202519.0059,5541,131,52645,927,028Form
    31Ritchie, Robert CChief Executive OfficerDirectSell1121202519.00475,0009,025,00046,635,500Form
    32Sowell, James E See FootnotesSell1121202519.002,353,20044,710,80090,608,359Form
    33Smathers, Steven E DirectSell1121202519.00171,8003,264,2003,294,866Form

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