American Integrity Insurance Group, Inc. — Form 8-K
Filed September 8, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 48/100
What the filing says
American Integrity reported 462K policies in-force (16% YoY growth) and $370M shareholders' equity (10% YoY growth) as of June 30, 2026. Q2 2026 adjusted net income was $35M (11% YoY growth) on $327M gross premiums written (14% YoY growth), with 40% adjusted ROE. The company expanded into Tri-County Florida (18% of new voluntary business), re-opened HO-3 middle-aged homes (24% of new voluntary business), reduced non-catastrophe quota share from 40% to 25% effective Jan 1 2026, launched Florida commercial residential (278 policies, $18.6M in-force premium), and executed favorable 2026-2027 catastrophe reinsurance at 15-20% rate reduction with $2.3B first-event tower.
Why this rating
Organic growth and reinsurance cost reduction are positive, but adjusted ROE fell from 51% (2Q 2025) and combined ratio widened to 63% (vs 73% prior). Material relative to $156M market cap, but no transformational event.
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