American Integrity
Writes residential property coverage through agents across the Southeast.
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Profile
Provides homeowners, condo, rental, vacant-property, commercial residential, watercraft, and golf-cart insurance, with one reportable segment and distribution mainly through independent agents. The book is concentrated in Florida while expanding across nearby Southeast states, and results depend on catastrophe reinsurance, storm losses, Citizens take-outs, and state insurance regulation.
Underwrites admitted residential property coverage for homeowners, condo owners, renters, manufactured homes, vacant homes, rental dwellings, commercial residential associations, watercraft, and golf carts. The company reports a single operating segment, so product breadth sits inside one consolidated insurance business rather than separate management divisions.
Most policies and premiums remain in Florida, with expansion into Georgia, North Carolina, and South Carolina. Distribution runs through independent agents, partner channels, homebuilder-affiliated agents, and direct-to-consumer paths.
The operating model pairs voluntary-market underwriting with selective Citizens policy assumptions. Hurricane exposure, catastrophe reinsurance availability and pricing, Florida insurance regulation and litigation rules, and Citizens take-out economics shape the business.
Company facts
Categories
Key statistics
Year to date +30.2% · Average volume (30d) 159.7K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 20, 2026 | Raymond James | Target | $28 | $27 | |
| Aug 13, 2026 | Piper Sandler | Reiterate | Overweight | $23 | $26 |
| Jul 15, 2026 | Piper Sandler | Reiterate | Overweight | $27 | $23 |
| Jan 16, 2026 | Raymond James | Target | $24 | $28 | |
| Oct 14, 2025 | JMP Securities | Reiterate | Market Outperform | $23 | $26 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 11, 2026Q2 FY26 | $0.88 | $1.78 | +101.6% | $282.7M | $326.6M | +15.5% | +13.47% |
| May 12, 2026Q1 FY26 | $0.99 | $1.03 | +4.6% | $214.7M | $220.0M | +2.5% | −13.93% |
| Feb 24, 2026Q4 FY25 | $0.80 | $1.03 | +28.3% | $61.7M | $206.4M | +234.5% | +10.34% |
| Nov 11, 2025Q3 FY25 | $0.61 | $0.71 | +16.4% | $61.7M | $62.0M | +0.5% | −6.53% |
Financial highlights
| 10 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $71.9M | $74.5M | $62.0M | $68.1M | $90.9M | $115.2M | |
| Gross profit | $47.9M | $47.0M | $26.1M | $57.4M | $59.2M | $82.0M | |
| Operating income | $42.9M | $24.1M | $18.8M | $29.3M | $27.3M | $46.4M | |
| Net income | $38.1M | $27.5M | $13.2M | $20.9M | $19.9M | $34.1M | |
| Diluted EPS | $1.95 | $1.62 | $0.67 | $1.07 | $1.02 | $1.74 | |
| Gross margin | 66.7% | 63.1% | 42.1% | 84.3% | 65.1% | 71.2% | |
| Operating margin | 59.7% | 32.3% | 30.3% | 43.0% | 30.0% | 40.3% |
Fiscal years (4-quarter sums)FY24 $204.4M · FY25 $276.5M
Balance sheet, Jun 30, 2026Cash & short-term investments $343.9M · Total debt $412.0K · Total assets $1.61B · Shareholders' equity $369.5M
Dividends
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Mar 16, 2026 | Mar 16 | Mar 30 | $1.02 | special dividend |
Ownership
Shares outstanding 19.59M · Float 6.68M · 34.1% free float
A Form 4 total here can count shares the filer formally disclaims — an award voted by proxy, for instance — which the holder's own Schedule 13D/G excludes, so where the two disagree the schedule's smaller figure is used.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Sowell James E · 10 percent owner | 4.47M | 22.84% | Form 4 | Jun 11, 2026 |
| Robert C. Ritchie · director, officer: Chief Executive Officer | 1.90M | 9.69% | Form 4 | Aug 28, 2026 |
| Boston Partners | 1.47M | 7.50% | 13G | May 14, 2026 |
| Wasatch Advisors LP | 1.19M | 6.10% | 13G | Apr 22, 2026 |
| Mink Brook Asset Management LLC | 842.4K | 4.30% | 13F | Apr 1, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 27, 2026 | Robert C. Ritchie | director, officer: Chief Executive Officer | −10,000 | $26.35 |
| Aug 26, 2026 | Robert C. Ritchie | director, officer: Chief Executive Officer | −54,365 | $26.63 |
| Aug 25, 2026 | Robert C. Ritchie | director, 10 percent owner, officer: Chief Executive Officer | −65,000 | $26.29 |
| Aug 24, 2026 | Robert C. Ritchie | director, 10 percent owner, officer: Chief Executive Officer | −45,461 | $26.30 |
| Aug 21, 2026 | Robert C. Ritchie | director, 10 percent owner, officer: Chief Executive Officer | −24,614 | $25.68 |
Peers
- Slide Insurance
Coastal Florida property insurer with major Citizens take-out overlap
- Universal Insurance
Large Florida homeowners carrier across agents and digital channels
- HCI Group
Florida-primary homeowners carrier with tech-backed underwriting
- Assurant
Specialty housing insurer active in Florida residential tables
- Heritage Insurance
Coastal residential property carrier with Florida commercial overlap
- Allstate
National homeowners carrier with Florida in-force exposure
- Progressive
National personal-lines carrier with residential property overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| American Integrity | $26.32 | +0.15% | $515.6M | 5.8 | 8.2 | 1.5 | +338.4% |
| Slide Insurance | $23.48 | −0.04% | $2.74B | 5.7 | 6.6 | 2.0 | +94.2% |
| Universal Insurance | $43.43 | +0.12% | $1.21B | 5.7 | 9.4 | 0.7 | +55.3% |
| HCI Group | $186.29 | +0.05% | $2.38B | 7.7 | 9.3 | 2.5 | +11.2% |
| Assurant | $285.65 | −0.01% | $14.15B | 13.5 | 12.8 | 1.1 | +9.4% |
| Heritage Insurance | $34.77 | +2.74% | $1.03B | 4.8 | 6.7 | 1.3 | +3.0% |
| Allstate | $260.58 | −0.03% | $67.08B | 5.2 | 9.2 | 1.0 | −7.2% |
| Progressive | $217.33 | −0.61% | $127.12B | 11.0 | 13.3 | 1.4 | −4.2% |
| Median | 5.7 | 9.3 | 1.3 | +9.4% |