AMERICAN INTEGRITY INSURANCE GROUP (AII)
Financials · Specialty Residential Property Insurance · NYSE
A Florida-focused specialty residential property insurer with two decades of expertise navigating hurricane-prone coastal markets and expanding into southeastern states.
What AMERICAN INTEGRITY INSURANCE GROUP does
American Integrity Insurance Group provides personal residential property insurance for single-family homeowners and condominium owners, primarily in Florida. Through its subsidiary American Integrity Insurance Company (AIIC), the company writes coverage for single-family homes, condominiums, vacant dwellings, and investment properties. As of December 31, 2025, the company had 421,866 policies in-force with gross premiums written of $944.6 million, and operates as the sixth largest writer of residential property insurance in Florida. The company is expanding geographically into southeastern coastal states, including North Carolina, South Carolina, and Georgia, leveraging its specialized expertise in hurricane-prone markets and technology-forward underwriting platform.
Themes: homeowners insurance, property and casualty insurance, catastrophe risk management, insurtech, Southeastern US expansion
Fundamentals
- Price$25.35 as of 2026-08-21 close
- Market cap$497M as of 2026-08-21
- 1-year return+40.1% 2025-08-21 close $18.09 → 2026-08-21 close $25.35
- P/E5.77 as of 2026-08-24
- Net margin+27.6% as of 2026-08-24
- ROE+25.3% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue growth (YoY)+26.5% as of 2026-08-24
- Beta0.67 as of 2026-08-24
- Last reported earnings2026-08-11 SEC EDGAR Form 8-K (Item 2.02)
How AII compares in its sector
- price-to-earnings ratiobottom 10% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitytop 25% 575 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 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 27.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average has held below its 200-day average for at least 115 trading days — a long-sustained "death cross", a bearish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 45, with buyers in control. Momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 76, in overbought territory (above 70). It made a new 20-day high about 2 trading days ago. It is 4.0% below its all-time high. Trading volume is running unusually high — about 2.2× its 30-day average, a sign of heightened interest.
Trend
9
| Distance from the 200-day | it is trading 27.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +27.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $19.82 | $19.82 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $19.89 | $19.89 |
| 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 29 calendar days ago — the swings before that are what the structure reading is measured on | 29 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 17.52. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average has held below its 200-day average for at least 115 trading days — a long-sustained "death cross", a bearish long-term signal | at least 115 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 27.5% above | +27.5% |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 45, with buyers in control | 44.8 |
Momentum
3
| 14-day RSI | momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 76, in overbought territory (above 70) | 76.0 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($20.12 to $26.41) — its "stochastic" reading is 83 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 slipping within that range over the last few sessions. | 83.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 19 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $26.41 | $26.41 |
|---|---|---|
| From the 52-week high | it is 4.0% below its 52-week high (its highest price of the past year) | -4.0% |
| Above the 52-week low | it is 55.7% above its 52-week low (its lowest price of the past year) | +55.7% |
| Below the 52-week high | it is 4.0% below its highest point of the past year | 4.0% |
| Since a 20-day breakout | it made a new 20-day high about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day high about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $26.41 (set on 2026-08-21) | $26.41 |
| Given back of the 52-week move | over the past year its closes ranged ($16.56 to $26.19), and it has recovered almost all of its fall from last year’s high — 91% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $22.51 to $22.82. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 91.3% |
| From the all-time high | it is 4.0% below its all-time high | -4.0% |
| Nearest price level | it is trading 2.9% above a support level at $24.61 — a price it turned at twice since 2025-10-15, most recently on 2025-10-28. Since 2025-05-08 it has 10 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. | -2.9% |
| 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 60.7% above its all-time low | +60.7% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 97% of the past ~6 months) | 97th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9827 between its high and its low — about 3.9% 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 | $0.9827 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $17.76 and $26.44 — 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 | $17.76 – $22.10 – $26.44 |
| Typical daily range (% of price) | its price moves about 3.9% 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 | 3.9% |
| Stretch from the 200-day average | it is trading 5.6 daily ranges above its 200-day average price (27.5% 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 | 5.6 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.2× its 30-day average, a sign of heightened interest | 2.16× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 7.1% since the prior reading | +7.1% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 5 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 | 5 sessions ago |
|---|---|---|
| Since a bullish engulfing | 1 session 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 | 1 session ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.2% above 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 | +0.2% |
|---|---|---|
| Open gap | it gapped 2.4% above the previous close 6 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% |
| Gap filled | a 6.9% gap down opened on 2026-05-13 has been "filled" 18 sessions ago — price traded back through the level the gap left behind, and it took 41 sessions to close | 18 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 32.9 percentage points (the stock gained 35.3% while the market gained 2.3%) | +32.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 47.3 percentage points (the stock gained 50.4% while the market gained 3.1%) | +47.3% |
| vs market, 6 months | over the past 6 months this stock beat the market by 29.3 percentage points (the stock gained 40.4% while the market gained 11.1%) | +29.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 19.7 percentage points (the stock gained 40.1% while the market gained 20.5%) | +19.6% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, 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 | 3 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, its RSI momentum gauge is overbought (a stretched reading), near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 38% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 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 thin, spanning 0.6% of the share price, which is taken to mean a barrier that gives way easily. | +37.5% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 30% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $19.48 — a volume-weighted average of daily closes over 150 sessions, not a true tick-by-tick VWAP. | +30.1% |
|---|
Price levels it has turned at before
AII last closed at $25.35 on 2026-08-21. Since 2025-05-08 it has turned at 10 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $24.61 | Support | 2.9% below the last close | turned there twice · 2025-10-15 to 2025-10-28 |
| $22.21 | Support | 12.4% below the last close | turned there twice · 2025-10-14 to 2025-10-22 |
| $21.21 | Support | 16.3% below the last close | turned there three times · 2025-11-28 to 2026-03-02 |
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
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $17.52.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
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 · Tested and reclaimed 200-day support · Overbought (14-day RSI above 70) · Unusually heavy trading volume · Broke out to a new 20-day high · Broke out to a new 20-day high on heavy volume | Learn: moving average · golden cross · adx · rsi · breakout · all time high · volume and relative volume
Based on daily closing prices as of 2026-08-21. 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 2026-08-24. 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-$0.142 next reporting period, as of 2026-08-24
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
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 in Florida, exposing the company to catastrophic hurricane and weather-related losses.","Dependence on reinsurance availability and pricing, which could adversely affect financial stability.","Extensive and restrictive regulatory environment in Florida that impacts rate setting and underwriting practices."]
What changed in the latest 10-Q
AI-assisted comparison of AII's 10-Q filed 2026-05-14 against the prior one filed 2025-11-13.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference to audited consolidated financial statements and Annual Report on Form 10-K for year ended December 31, 2025 (in newer filing)
- Reference to Part I, Item 1A 'Risk Factors' in Annual Report on Form 10-K (in newer filing)
- Florida represented 93.0% of policies in-force as of March 31, 2026 (in newer filing)
- 70.7% of in-force premium in Voluntary Market as of March 31, 2026 (in newer filing)
- 5.6% of Voluntary Market in-force premium in South Carolina, Georgia, and North Carolina (in newer filing)
- Assumption of 584 policies from Citizens in first quarter of 2026 representing $1.2 million in assumed unearned premiums (in newer filing)
- 42 of 584 assumed policies were commercial take-outs representing $0.6 million of unearned premiums (in newer filing)
- Statement that number of Citizens policies available meeting underwriting standards has declined and may continue to decline (in newer filing)
- Company maintains BB+ issuer rating with stable outlook from Kroll Bond Rating Agency, LLC (in newer filing)
- Removed:
- Reference to prospectus dated May 7, 2025 filed pursuant to Rule 424(b) under Securities Act of 1933 (in older filing)
- Statement 'Our actual results could differ materially from those discussed in the forward-looking statements' and related cautionary language (in older filing)
- Florida represented over 96.8% of direct premiums written for nine months ended September 30, 2025 (in older filing)
- 94.5% of policies in-force as of September 30, 2025 (in older filing)
- 97.1% of Voluntary Market in-force premium in core Florida market and 2.9% in Georgia and South Carolina (in older filing)
- Description of multiple Citizens assumptions: 68,844 policies in late 2024 ($112.4 million), 16,632 in Q1 2025 ($31.2 million), 7,372 in Q2 2025 ($17.8 million), 1,891 in Q3 2025 ($3.4 million) (in older filing)
- Statement about decade-long market conditions and last Citizens assumption in 2014 (in older filing)
- Statement about regulatory changes, improved data availability, and Citizens rate increases making assumptions more attractive (in older filing)
- Statement that take-out opportunities are subject to market, timing and execution risks (in older filing)
- Reworded:
- Changed from 'Investors should read this section alongside' to 'The following discussion and analysis...should be read in conjunction with' (in newer filing)
- Changed from 'adjusted underwriting profits' to 'consistent underwriting profits' (in newer filing)
- Changed from 'long-term profitability' to 'profitability' in goal statement (in newer filing)
- Changed from 'insurance market in which we underwrite and sell policies to policyholders where we may freely choose or reject without the assistance of residual market mechanisms' to 'insurance market in which we underwrite and sell policies to policyholders where we choose to offer coverage without the assistance of residual market mechanisms' (in newer filing)
- Changed reference from Part II, Item 1A 'Risk Factors' to include Part I, Item 1A 'Risk Factors' in Annual Report on Form 10-K (in newer filing)
- Notes:
- Older filing text appears truncated at the end ('Inflatio'), preventing full comparison of Inflation section
- Comparison involves different reporting periods (Q1 2026 in newer filing vs. Q3 2025 in older filing), which accounts for some factual differences in policy counts and percentages
Risk Factors
The two filings could not be meaningfully compared for this section.
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)
3 open-market purchases and 12 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 12 sells ($7M) — 1 selling insider
- Last 90 days3 buys ($2M) · 12 sells ($7M) — 1 buying, 1 selling insiders
- Last 180 days6 buys ($3M) · 12 sells ($7M) — 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: 2026-08-19. As of 2026-08-24.
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 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,286,094
- Reported value $24,795,892
reported quarterly holdings change (2025-12-31 → 2026-03-31): 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.
Short interest (FINRA)
AII had 254,301 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
AII had 1.30% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.97 days to cover at the same settlement.
- Reported short interest (shares) 254,301
- Short interest (% of shares outstanding) 1.30%
- Prior settlement (shares) 309,442
- Reported change -17.82%
- Days to cover (reported) 2.97
Reported to FINRA as of the 2026-07-31 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
- Citizens Property Insurance Corporation
- Universal Insurance Holdings (UVE)
- Heritage Insurance Holdings (HRTG)
- FedNat Holding Company
- Slide Insurance
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 provides personal residential property insurance for single-family homeowners and condominium owners, primarily in Florida. Through its subsidiary American Integrity Insurance Company (AIIC), the company writes coverage for single-family homes, condominiums, vacant dwellings, and investment properties.
What sector is AMERICAN INTEGRITY INSURANCE GROUP (AII) in?
AMERICAN INTEGRITY INSURANCE GROUP (AII) is classified in the Financials sector. Its industry is Specialty Residential Property Insurance. It trades on NYSE.
Who are AMERICAN INTEGRITY INSURANCE GROUP's (AII) competitors?
Notable peers of AMERICAN INTEGRITY INSURANCE GROUP (AII) include Citizens Property Insurance Corporation, Universal Insurance Holdings, Heritage Insurance Holdings, FedNat Holding 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 in overbought territory (its 14-day RSI is 76, above 70) (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on AII come from?
Fundamentals and prices come from market data, as of 2026-08-24; 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: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.