| Metric | Value ($ M) | Q1 FY26 | Q2 FY25 |
|---|---|---|---|
| Revenue | 115.17 | 26.7% | 54.6% |
| Total Income | 115.17 | 26.7% | 54.6% |
| Expenditure | 68.75 | 8.0% | 36.4% |
| PBT | 46.42 | 70.3% | 92.6% |
| Net Profit | 34.15 | 71.5% | 24.2% |
| OPM | — | ||
| NPM | 29.65% | 7.75pp | 7.26pp |
| EPS | 1.74 | 70.6% | 7.4% |
American Integrity Insurance Group Reports Second Quarter 2026 Results
12 Aug 2026 · 12 Aug, 1:54 am
Summary
American Integrity Insurance Group announced strong second quarter 2026 results, highlighted by a record $46.4 million in income before income taxes and a 24.2% year-over-year increase in net income to $34.1 million. Gross premiums written grew 13.8% to $326.6 million, driven by a record 43,000 voluntary new business policies sold, up 54% from the prior year. The company also achieved a significant improvement in its combined ratio, decreasing to 63.4% from 72.9% in the second quarter of 2025, and successfully renewed its reinsurance program with favorable rate reductions.
Key Highlights
- 1
American Integrity Insurance Group reported a new quarterly record for income before income taxes of $46.4 million in the second quarter of 2026.
- 2
Gross premiums written grew 13.8% year-over-year to $326.6 million during the second quarter of 2026.
- 3
Net income for the second quarter of 2026 was $34.1 million, an increase of 24.2% compared to $27.5 million in the second quarter of 2025.
- 4
The company sold a record 43,000 voluntary new business policies in the second quarter of 2026, up 54% versus the second quarter of 2025.
- 5
Book value per share increased by 22.3% to $18.86 over June 30, 2025.
- 6
The combined ratio improved to 63.4% in the second quarter of 2026, down from 72.9% in the second quarter of 2025.
- 7
American Integrity successfully renewed its 2026-2027 catastrophe excess of loss reinsurance program with a risk-adjusted rate decrease at the upper end of 15-20% declines.
Management Comments
Robert Ritchie
We produced record voluntary new business policies and pre-tax earnings in the second quarter, which reflect continued momentum across our business and strong execution against our strategic priorities. During the quarter, we saw meaningful acceleration across each of our key growth initiatives, including the Tri-County region of Florida, middle-aged homes and our expansion states. We also successfully completed our June 1 reinsurance renewal, improving our overall risk profile while benefiting from meaningful risk adjusted reductions in reinsurance costs. Combined with the continued benefits of Florida’s legislative reforms, we believe we are operating from a position of considerable strength and momentum and remain well positioned to deliver profitable growth and long-term value for our stockholders.
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