earnings
confidence high
sentiment positive
materiality 0.75
American Integrity Q3 net income $13.2M, EPS $0.67; gross premiums up 48.5% YoY
American Integrity Insurance Group, Inc.
2025-Q3 EPS
reported $4.66
vs consensus $1.59
▲ beat
(+193.4%)
- Net income available to common shareholders of $13.2M ($0.67 diluted EPS); adjusted net income $14.0M ($0.71).
- Gross premiums written $239.1M (+48.5% YoY); policies-in-force 406,094 (+48.6%).
- Combined ratio improved to 78.9% from 94.3% YoY; net investment income $6.9M (+83.8%).
- Re-entering Tri-County region of Florida and entering commercial residential market in Q4 2025.
- Management cites Florida legislative reform driving favorable non-catastrophe loss trends and benign catastrophe environment.