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American Integrity Insurance Group (AII) investor relations material
American Integrity Insurance Group IPO filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.IPO filing summary17 Nov, 2025
Company overview and business model
Provides personal residential property insurance, primarily in Florida, with expansion into South Carolina and Georgia, and plans for North Carolina in late 2025.
Operates a vertically integrated model, controlling underwriting, pricing, distribution, and claims management.
Focuses on the Voluntary Market but selectively assumes policies from Citizens Property Insurance Corporation when profitable.
Utilizes proprietary technology and data-driven underwriting for granular risk assessment and rapid response to market changes.
Maintains strong relationships with independent agents, national carriers, and homebuilder-affiliated agents.
Financial performance and metrics
Gross premiums written for 2024: $767.7 million; net premiums written: $194.4 million; net income: $39.7 million; adjusted net income: $39.6 million.
For the nine months ended September 30, 2025: gross premiums written $738.2 million; net premiums written $74.2 million; net income $78.8 million; adjusted net income $83.4 million.
Shareholders' equity grew to $315.9 million as of September 30, 2025, up from $162.4 million at December 31, 2024.
Combined ratio improved to 80.9% in 2024 from 83.3% in 2023; annualized return on equity for the nine months ended September 30, 2025 was 43.9%.
Maintains a conservative investment portfolio with a weighted average duration of 2.19 years and average credit rating of A+.
Use of proceeds and capital allocation
No proceeds from this offering will go to the company; all proceeds go to selling stockholders.
Capital allocation focuses on organic growth, maintaining strong capitalization, and potential future dividends or share repurchases based on profitability and regulatory considerations.
Strong liquidity position with $541.3 million in cash and invested assets as of September 30, 2025.
Quantify impact of planned quota share reduction
Future Citizens take-out policy volume expectations
Status of internal control material weakness remediation
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Next American Integrity Insurance Group earnings date
Q4 202525 Feb, 2026
Next American Integrity Insurance Group earnings date
Q4 202525 Feb, 2026
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Frequently asked questions
American Integrity Insurance Group Inc is a U.S.-based insurance company providing residential property insurance. It specializes in coverage for homeowners, condominiums, rental properties, and manufactured homes, primarily serving customers in Florida. The company operates through agents and brokers with a focus on underwriting coastal and high-risk policies. It is headquartered in Tampa, Florida, and its shares are listed on the OTC Markets.
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