American Integrity Insurance Group, Inc. (AII)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
$26.00-0.61%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
QuarterlyIQ Insights · AII
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -33.7% |
| Our one-year growth estimate | diamond | Not available |
Growth built into the price is above our model estimate.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A comparable growth gap is not available.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 33 industry peers · Company calendar date is not available
AII — CFO transition
Dated 2026-04-06
Chief Financial Officer — Ben Lurie: The CFO is resigning and transitioning to a consulting role, which could signal a significant change in the company's leadership.
Why it matters: Updates on the reinsurance program will show how the company manages risk and costs.
Watch forThey announced more rate decreases in the reinsurance program.
Also watch forThey announced higher costs or worse terms in the reinsurance program.
Why it matters: A drop below 15% signals a slowdown in the company's growth. This could affect investor confidence.
Worry ifQ2 revenue growth reported below 15% year over year.
Less concerning ifQ2 revenue growth remains at or above 15% year over year.
Why it matters: Growth in new business policies shows strong demand. A slowdown could mean weaker momentum.
Supportive ifQ3 voluntary new business policies sold increase year over year by more than 44%.
Worry ifQ3 voluntary new business policies sold increase year over year by less than 44%.
Why it matters: Higher reinsurance costs may hurt profits and lead to smaller margins in insurance.
Worry ifReinsurance costs reported above $440 million for the 2026 treaty year.
Less concerning ifReinsurance costs remain below $430 million for the 2026 treaty year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$140 on $10,000 · ±1.4% | How much price usually moves either way. |
| Bad day | $327 loss on $10,000 · 3.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,417 loss on $10,000 · 34.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A drop in revenue growth would signal a slowdown in the financial sector. This could hurt American Integrity's performance.
Worry ifRevenue growth falls below the median of 15% over the last three years.
Less concerning ifRevenue growth stays above the median of 15%.
Why it matters: Strong growth in policies-in-force shows demand for insurance products. This growth is crucial for future revenue stability.
Supportive ifPolicies-in-force grow by more than 15% year over year in Q2 2026.
Worry ifPolicies-in-force grow by less than 10% year over year in Q2 2026.
Why it matters: Lower reinsurance costs can help profits. Higher rates may show market stress and hurt margins.
Supportive ifThe 2027 reinsurance program has risk-adjusted rate cuts over 15%.
Worry if2027 reinsurance program sees rate increases or no decreases.
Why it matters: Better operating income means improved cost control. This is key for making more money.
Supportive ifOperating income in Q2 increases from $27.26 million in Q1.
Worry ifOperating income in Q2 drops or stays under $27.26 million.
Why it matters: Net income trends show financial health and how well the company runs.
Worry ifQ3 net income exceeds $30 million.
Less concerning ifQ3 net income falls below $20 million.
Why it matters: A slowdown in policy growth may show weaker demand or more competition in the market.
Worry ifPolicies-in-force growth is below 10% year over year.
Less concerning ifPolicies-in-force growth is above 10% year over year.
Why it matters: A lower combined ratio means better performance. A higher ratio may show rising costs or claims.
Supportive ifQ3 combined ratio is now below 63.4%.
Worry ifQ3 combined ratio worsens to above 63.4%.
Why it matters: Keeping the dividend payout shows stability in how money is used. A change might worry investors.
Supportive ifDividend payout remains at $1.02 per share in the next quarter.
Worry ifDividend payout decreases from $1.02 per share.
Why it matters: Changes in reinsurance costs impact profit and how risks are managed.
Watch forReinsurance costs decrease by more than 15% in Q3 2026.
Also watch forReinsurance costs increase by more than 5% in Q3 2026.
Why it matters: A drop in net income may show weaker financial health and problems.
Worry ifQ3 2026 net income drops below $30 million.
Less concerning ifQ3 2026 net income remains above $35 million.
Why it matters: The CFO is leaving. This could change the financial plan and stability. Leadership changes often affect stock prices.
Worry ifA new CFO is appointed and outlines a clear strategy moving forward.
Less concerning ifNo new CFO is appointed or no clear strategy is communicated.
Why it matters: Growth in net premiums earned shows the company can make money from its policies.
Supportive ifQ3 net premiums earned increase year over year by more than 50%.
Worry ifQ3 net premiums earned increase year over year by less than 25%.
Why it matters: Higher acquisition costs can hurt profits. A decrease may show better efficiency and growth.
Worry ifQ3 policy acquisition costs drop compared to Q2 2026.
Less concerning ifQ3 policy acquisition costs rise compared to Q2 2026.
Why it matters: Lower reinsurance costs can help make more money and lower risk.
Supportive ifReinsurance costs for the 2026-2027 program come in below $430 million.
Worry ifReinsurance costs exceed $440 million for the 2026-2027 program.