AMERICAN INTEGRITY INSURANCE GROUP (AII)
Financials · Property & Casualty Insurance · NYSE
A specialized residential property insurer focused on the Florida market with a technology-forward platform and a proven track record of underwriting profitability.
What AMERICAN INTEGRITY INSURANCE GROUP does
American Integrity Insurance Group is a Florida-based specialty residential property insurer providing coverage for single-family homeowners, condominium owners, and investment properties. The company operates primarily through the 'Voluntary Market,' using a vertically integrated model to manage underwriting, claims, and distribution, while utilizing advanced technology for granular risk assessment. It is currently expanding its footprint into other Southeastern coastal states including South Carolina, Georgia, and North Carolina.
Recent developments
In Q2 2026, the company achieved record quarterly pre-tax earnings of $46.4 million and record voluntary new business production. It successfully renewed its 2026-2027 catastrophe excess of loss reinsurance program with improved retention and risk-adjusted cost reductions.
From AMERICAN INTEGRITY INSURANCE GROUP's filing of 2026-08-13.
Themes: property insurance, catastrophe risk management, Florida market specialization, insurtech, reinsurance optimization
Fundamentals
- Price$26.97 as of 2026-10-08 close
- Market cap$528M as of 2026-08-13 (share count; price 2026-10-08)
- 1-year return+12.8% 2025-10-08 close $23.91 → 2026-10-08 close $26.97
- P/E6.16 as of 2026-10-08
- Net margin+36.0% FY2025, SEC XBRL
- ROE+29.6% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Revenue growth (YoY)+26.5% as of 2026-09-03
- Beta0.26 as of 2026-09-03
- Last reported earnings2026-08-11 SEC EDGAR Form 8-K (Item 2.02)
How AII compares in its sector
- price-to-earnings ratiobottom 10% 513 covered Financials peers, as of 2026-10-08
- net profit margintop 25% 344 covered Financials peers, as of 2026-09-03
- return on equitytop 10% 559 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How AMERICAN INTEGRITY INSURANCE GROUP looks technically
AMERICAN INTEGRITY INSURANCE GROUP (AII) is trading 32.1% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 33 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 63, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive). It just made a new 20-day high, pushing above its recent trading range. It is trading at or near its all-time high.
Trend
7
| Distance from the 200-day | it is trading 32.1% above its 200-day average, the long-term trend line — a longer-term uptrend | +32.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $24.79 | $24.79 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $20.41 | $20.41 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 33 trading days ago — a "golden cross", a bullish long-term signal | 33 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend) | 20.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 63, neither overbought (above 70) nor oversold (below 30) | 63.1 |
|---|---|---|
| Position in its 14-day range | it is trading right at the top of its 14-day range ($24.15 to $26.97) — its "stochastic" reading is 100 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 100.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive) | 1 session |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $26.97 | $26.97 |
|---|---|---|
| From the 52-week high | it is trading right at its highest price of the past year (its 52-week high) | 0.0% |
| Above the 52-week low | it is 65.7% above its 52-week low (its lowest price of the past year) | +65.7% |
| Below the 52-week high | it is at or near its highest point of the past year | 0.0% |
| Since a 20-day breakout | it just made a new 20-day high, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day high, pushing above its recent trading range | 1 session |
| All-time high | its highest closing price on record is $26.97 (set on 2026-10-08) | $26.97 |
| Given back of the 52-week move | over the past year its closes ranged ($16.56 to $26.97), and it has given back essentially none of its rise from last year’s low — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $20.20 to $20.54. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 0.0% |
| From the all-time high | it is trading at or near its all-time high | 0.0% |
| Nearest price level | it is sitting right on a support level at $26.92 — a price it turned at twice since 2026-08-26, most recently on 2026-09-18. Since 2025-05-08 it has 12 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.2% |
| All-time low | its lowest closing price on record is $15.78 (set on 2025-06-12) | $15.78 |
| Above the all-time low | it is 71.0% above its all-time low | +71.0% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 40th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8739 between its high and its low — about 3.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8739 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $24.68 and $27.04 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $24.68 – $25.86 – $27.04 |
| Typical daily range (% of price) | its price moves about 3.2% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.2% |
| Stretch from the 200-day average | it is trading 7.5 daily ranges above its 200-day average price (32.1% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 7.5 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.58× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
3
| Since a doji | 2 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 2 sessions ago |
|---|---|---|
| Since a hammer | 7 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 7 sessions ago |
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.8% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.8% |
|---|---|---|
| Open gap | it gapped 2.4% above the previous close 39 sessions ago and has not traded back through the level it left behind at 22.91 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.4% |
Price streaks
1
| Closing streak | it has closed higher 3 sessions in a row, a +5.81% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 3 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 1.9 percentage points (the stock gained 2.9% while the market gained 1.0%) | +1.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 37.7 percentage points (the stock gained 41.6% while the market gained 3.8%) | +37.8% |
| vs market, 6 months | over the past 6 months this stock beat the market by 21.1 percentage points (the stock gained 38.5% while the market gained 17.5%) | +21.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 2.2 percentage points (the stock gained 12.8% while the market gained 15.0%) | -2.2% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 11% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thick, spanning 9.4% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | +10.7% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 27% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $21.21 — a volume-weighted average of daily closes over 183 sessions, not a true tick-by-tick VWAP. | +27.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 5% above the average price paid since it last reported on 2026-08-11 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $25.61 — a volume-weighted average of daily closes over 42 sessions, not a true tick-by-tick VWAP. | +5.3% |
Price levels it has turned at before
AII last closed at $26.97 on 2026-10-08. Since 2025-05-08 it has turned at 12 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $26.92 | Support | 0.2% below the last close | turned there twice · 2026-08-26 to 2026-09-18 |
| $25.18 | Support | 6.7% below the last close | turned there twice · 2026-09-01 to 2026-09-10 |
| $24.32 | Support | 9.8% below the last close | turned there twice · 2025-10-15 to 2026-09-30 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Near the 52-week high · Broke out to a new 20-day high · MACD just crossed bullish (12/26/9) · Near the all-time high · beating the market | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.00 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$27.00 range $26.00 – $29.00; median $26.50
Analyst estimates, as of 2026-10-08. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for AII
- Consensus EPS estimate$0.2233 next reporting period, as of 2026-10-08
- Estimate change, 30 days+$0.3653 from -$0.142, on 2026-09-07, 31-day window
- Readings revised upward25% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["High geographic concentration of business in Florida exposes the company to catastrophic weather events and regional regulatory/legal risks.","Loss reserves are estimates and may prove inadequate to cover actual liability for claims.","Results depend on the cost and availability of reinsurance, which is subject to market volatility."]
What changed in the latest 10-Q
AI-assisted comparison of AII's 10-Q filed 2026-08-13 against the prior one filed 2026-05-14.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-13) states Florida represented 92.0% of policies in-force as of June 30, 2026 (vs. 93.0% as of March 31, 2026 in older filing).
- Newer filing (2026-08-13) states 73.2% of in-force premium was in the Voluntary Market as of June 30, 2026 (vs. 70.7% as of March 31, 2026 in older filing).
- Newer filing (2026-08-13) states 93.7% of Voluntary Market in-force premium was in core Florida market and 6.3% in South Carolina, Georgia, and North Carolina (vs. 94.4% and 5.6% respectively in older filing).
- Newer filing (2026-08-13) adds language that in 2026 take-outs are expected to be a smaller portion of gross premiums written compared to 2024 and 2025.
- Newer filing (2026-08-13) adds language that policies assumed via the Citizens take-out program carry immaterial upfront acquisition costs and are covered by the current treaty year reinsurance program, which may impact comparability between periods, and that periods of heavy take-out activity result in lower expense ratios and loss ratios.
- Removed:
- Older filing (2026-05-14) includes specific first quarter 2026 Citizens take-out figures: 584 policies assumed representing $1.2 million in assumed unearned premiums.
- Older filing (2026-05-14) includes detail on late 2025 commencement of selective commercial policy take-outs from Citizens and first quarter 2026 commercial take-out figures (42 of 584 policies, $0.6 million of $1.2 million in assumed unearned premiums).
- Older filing (2026-05-14) states policies assumed carry no upfront acquisition costs and are covered by current treaty year reinsurance program, which may impact comparability depending on number of policies and unearned premiums assumed.
- Reworded:
- Newer filing (2026-08-13) revised the Citizens Take-out Program paragraph: removed specific quarterly policy/premium figures and commercial take-out details, and replaced with forward-looking expectation that 2026 take-outs will be a smaller portion of gross premiums written compared to 2024 and 2025, plus general statements about immaterial upfront acquisition costs and impact on expense and loss ratios.
- Newer filing (2026-08-13) updates as-of dates and percentage metrics in the Overview section from March 31, 2026 figures to June 30, 2026 figures.
- Notes:
- Newer filing text appears truncated at 'Cost and Availability of R' and older filing text appears truncated at 'in our earnings in the periods in', so changes beyond the visible text could not be assessed.
Risk Factors
- Added:
- Newer filing (2026-08-13) states that 6,151 shares of Common Stock were repurchased during the period from employees in satisfaction of tax withholding obligations associated with the vesting of RSUs.
- Newer filing (2026-08-13) states that during the quarter ended June 30, 2026, no director or officer adopted, modified, or terminated any Rule 10b5-1 trading arrangement or non-Rule 10b5-1 trading arrangement.
- Removed:
- Older filing (2026-05-14) disclosed that on March 12, 2026, Robert Ritchie, the Company's Chief Executive Officer, adopted a Rule 10b5-1 trading arrangement (the "Ritchie 10b5-1 Plan") providing for the sale of up to 775,000 shares of Common Stock from June 11, 2026 until December 10, 2027.
- Older filing (2026-05-14) stated that there were no repurchases of Common Stock during the three months ended March 31, 2026.
- Reworded:
- Newer filing (2026-08-13) refers to 'the Restricted Stock Grant Net Settlement' while older filing (2026-05-14) refers to 'the net settlement of shares of restricted stock issued in connection with the IPO' in the Use of Proceeds description.
- Newer filing (2026-08-13) states 'no sales of unregistered securities during the quarter ended June 30, 2026' while older filing (2026-05-14) states 'quarter ended March 31, 2026'.
- Newer filing (2026-08-13) references 'the quarter ended June 30, 2026' for the Rule 10b5-1 trading arrangements disclosure, while older filing (2026-05-14) references 'the quarter ended March 31, 2026'.
- Newer filing (2026-08-13) signature date is August 13, 2026; older filing (2026-05-14) signature date is May 14, 2026.
- Older filing (2026-05-14) signatures include Steve Biggs as Principal Accounting Officer; newer filing (2026-08-13) does not include this signature.
- Notes:
- The section header requested is 'Risk Factors' but both filings include additional Part II Items; comparison includes all furnished text.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 21 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 21 sells ($13M) — 1 selling insider
- Last 180 days · read to 2026-10-046 buys ($3M) · 21 sells ($13M) — 4 buying, 1 selling insiders
Cluster buying: 4 different insiders reported open-market purchases (SEC code P) of AII within a 30-day window between 2026-05-22 and 2026-06-09. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-31. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about AII's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding AII as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,656,498
- Reported value $31,191,856
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about AII's institutional holders → See what each manager we track holds →
Short interest (FINRA)
AII had 229,025 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
AII had 1.17% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 1.07 days to cover at the same settlement.
- Reported short interest (shares) 229,025
- Short interest (% of shares outstanding) 1.17%
- Prior settlement (shares) 169,672
- Reported change 34.98%
- Days to cover (reported) 1.07
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Universal Insurance Holdings (UVE)
- Heritage Insurance Holdings (HRTG)
- HCI Group (HCI)
- Florida Peninsula Insurance Company
- Slide Insurance
- Citizens Property Insurance Corporation
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does AMERICAN INTEGRITY INSURANCE GROUP (AII) do?
American Integrity Insurance Group is a Florida-based specialty residential property insurer providing coverage for single-family homeowners, condominium owners, and investment properties. The company operates primarily through the 'Voluntary Market,' using a vertically integrated model to manage underwriting, claims, and distribution, while utilizing advanced technology for granular risk assessment.
What sector is AMERICAN INTEGRITY INSURANCE GROUP (AII) in?
AMERICAN INTEGRITY INSURANCE GROUP (AII) is classified in the Financials sector. Its industry is Property & Casualty Insurance. It trades on NYSE.
Who are AMERICAN INTEGRITY INSURANCE GROUP's (AII) competitors?
Notable peers of AMERICAN INTEGRITY INSURANCE GROUP (AII) include Universal Insurance Holdings, Heritage Insurance Holdings, HCI Group, Florida Peninsula Insurance Company and Slide Insurance. This peer set is informational only — not financial advice.
Is AMERICAN INTEGRITY INSURANCE GROUP (AII) overbought or oversold right now?
AMERICAN INTEGRITY INSURANCE GROUP (AII) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 63, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on AII come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.