American Integrity Insurance Group, Inc.
AIINYSEFinancials · Fire, Marine & Casualty Insurance · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | |
|---|---|---|
| Revenue | $71.9M | $44.3M |
| Operating income | — | — |
| Net income | $38.1M | $12.1M |
| Total assets | $1.23B | $1.20B |
| Total liabilities | $888.1M | $1.04B |
| Equity | $337.0M | $162.4M |
| EPS (diluted) | $2.78 | $0.90 |
| Shares out. | 19.6M | 12.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 53.0%
- Return on equity
- 11.3%
- Return on assets
- 3.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 72.5%
- Debt / equity
- 2.63×
- Book value / share
- $17.21
- Revenue growth (YoY)
- 62.2%
- Net income growth (YoY)
- 214.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −8.2%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Boston PartnersPassive (13G)May 14, 2026
- Wasatch Advisors LpPassive (13G)Apr 22, 2026
- Sowell James EPassive (13G)Feb 17, 2026
- Ritchie Robert CPassive (13G)Feb 17, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Mathis Steven BDirector | May 26, 2026 | Buy | 3,000 | $16.82 |
| Smathers Steven EDirector | May 22, 2026 | Buy | 2,900 | $16.99 |
| Clark David LewisOfficer — Chairman | May 22, 2026 | Buy | 5,830 | $17.15 |
| Ritchie Robert COfficer — Chief Executive Officer | May 7, 2026 | Tax withholding | 2,921 | $19.67 |
| Ritchie Jon POfficer — President | May 7, 2026 | Tax withholding | 1,538 | $19.67 |
| Clark David LewisOfficer — Chairman | May 7, 2026 | Tax withholding | 1,230 | $19.67 |
| Foley BrianOfficer — Chief Financial Officer | Apr 6, 2026 | Grant | 4,262 | $0.00 |
| Csiszar Ernest NDirector | Mar 31, 2026 | Grant | 778 | $0.00 |
| Smathers Steven EDirector | Mar 31, 2026 | Grant | 778 | $0.00 |
| Mathis Steven BDirector | Mar 31, 2026 | Grant | 778 | $0.00 |
| Lurie Benjamin AOfficer — Chief Financial Officer | Mar 2, 2026 | Grant | 3,166 | $0.00 |
| Ritchie Jon POfficer — President | Mar 2, 2026 | Grant | 11,814 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 206,699 | 2.3 | +5.9% |
| Apr 30, 2026 | 195,206 | 2.5 | -20.7% |
| Apr 15, 2026 | 246,022 | 3.3 | +6.8% |
| Mar 31, 2026 | 230,451 | 1.4 | +95.3% |
| Mar 13, 2026 | 118,026 | 1.0 | +70.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Regulation FD disclosureJun 1, 2026
- Regulation FD disclosureMay 20, 2026
- Results of operationsMay 12, 2026
- Director / officer change · Regulation FD disclosureApr 6, 2026
- Item 5.08 · Other material eventMar 3, 2026
- Regulation FD disclosureFeb 27, 2026
- Results of operationsFeb 24, 2026
- Director / officer changeDec 5, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.