What is the 13F Pro Quality Score for AII?

13F Pro ranks American Integrity Insurance Group, Inc. (AII) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View AII's current score at https://13fpro.ai/research/AII (free sign-up required for the full ranking).

Which hedge funds own the most AII stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of AII include Boston Partners, WASATCH ADVISORS, Mink Brook Asset Management. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/AII as soon as new 13F filings post.

Where does 13F Pro source AII data?

All American Integrity Insurance Group, Inc. fundamentals and ownership data come directly from SEC EDGAR. American Integrity Insurance Group, Inc. files with the SEC under CIK 2007587. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is AII in?

American Integrity Insurance Group, Inc. (AII) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives AII's revenue?

Per American Integrity Insurance Group, Inc.'s latest 10-Q filed with the SEC on 2026-05-14, the biggest revenue drivers are: Net premiums earned ($82.2M, +25.7% YoY); Net investment income ($5.7M, +37.8% YoY); Policy fees ($2.7M, +24.5% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/AII.

What are AII's largest expenses?

American Integrity Insurance Group, Inc.'s latest 10-Q reports these as the largest expense items: Losses and loss adjustment expenses, net ($31.7M, +52.1% YoY); Policy acquisition expenses ($16.0M, +414.5% YoY); General and administrative expenses ($16.0M, +218.8% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (three months ended March 31, 2026).

How often is AII research updated on 13F Pro?

AII's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

American Integrity Insurance Group, Inc.(AII)Stock Analysis

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13F Pro Quality Score

77.3/100

Rank #89 of 2,879 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

97.5/100

Profitability

91.2/100

Balance Sheet

82.0/100

Earnings Quality

97.9/100

Free Cash Flow

85.6/100

Institutional Flow

72.3/100

Revenue Scale

29.7/100

Dilution Risk

29.7/100

AII Stock Analysis & AI Quality Score

AI stock analysis and institutional research for American Integrity Insurance Group, Inc. (AII), a Financials sector company. 13F Pro's AI-powered ranking engine scores AII at 77.3/100 on a 32-signal composite quality model, placing it at rank #89 of 2,879 stocks — the top 5% of the AI-ranked universe. AII scores in the top quartile across earnings quality (97.9), revenue growth (97.5), profitability (91.2). Areas of concern include revenue scale (29.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 29.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), American Integrity Insurance Group, Inc. reports quarterly revenue of $90.9M, net income of $19.9M, an operating margin of 30.0%. Top institutional holders of AII by reported 13-F value include Boston Partners, WASATCH ADVISORS, Mink Brook Asset Management, based on the most recent SEC filings. AII trades on the NYSE exchange and files with the SEC under CIK 2007587. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate AII daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for American Integrity Insurance Group, Inc. directly from SEC EDGAR. American Integrity Insurance Group, Inc.'s 13F Pro composite quality score has ranged between 48 and 78 since 2026, currently 77.3 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

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Fun facts about American Integrity Insurance Group, Inc.

Quirks, history, and lore behind AII — the kind of stuff that makes a stock memorable.

1
The Basics
A property and casualty insurer · small-cap · listed on NYSE · headquartered in Florida.
2
The Numbers
Writes roughly $1 billion or more in premiums annually, serving a state where the average homeowner's insurance bill is among the highest in the nation.
3
The History
Founded in the 2000s in the wake of a wave of national carriers fleeing Florida after catastrophic hurricane seasons left the market wide open.
4
The Secret
Its entire business model is a bet on one state — it focuses almost exclusively on Florida homeowners insurance, which is either brave or terrifying depending on the hurricane season.
5
The Lore
Operating in a market so volatile that Citizens Property Insurance (the state-run insurer of last resort) is effectively its main competitor — and yet it keeps writing policies.
6
The Giveaway
Its name literally promises American Integrity — fitting for a Florida-only homeowners insurer whose ticker is AII and whose customers really, really hope it means it.

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What's Driving AII's Business? Latest 10-Q Breakdown

AI-extracted from American Integrity Insurance Group, Inc.'s 10-Q filed 2026-05-14 — Q1 2026 (three months ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income declined 47.7% to $19.9M despite 25.7% growth in net premiums earned, pressured by higher policy acquisition expenses and loss ratios reflecting lower Citizens take-out windfall.

Biggest Revenue Drivers

Total revenue: $90.9M+26.5% YoY

Net premiums earned$82.2M+25.7% YoY

Growth in Voluntary Market writings and policies in-force, reflecting higher new and renewal business.

Net investment income$5.7M+37.8% YoY

Increase in invested assets driven by higher in-force premiums and IPO proceeds.

Policy fees$2.7M+24.5% YoY

Increase in policies written during the quarter contributed to higher policy fees.

Largest Expense Items

Losses and loss adjustment expenses, net$31.7M+52.1% YoY

Increase driven by higher net premiums earned.

Policy acquisition expenses$16.0M+414.5% YoY

Increase from higher policies written, Citizens take-out windfall in prior year, and less ceding commission due to reduction in quota share reinsurance from 40% to 25%.

General and administrative expenses$16.0M+218.8% YoY

Lower ceding commissions associated with reduction in non-catastrophe quota share reinsurance arrangement.

Margins: Combined ratio expanded to 75.0% in Q1 2026 from 42.9% in Q1 2025, driven by 6.4 percentage point increase in loss ratio and 25.6 percentage point increase in expense ratio, primarily due to lower Citizens take-out windfall and reduction in quota share ceding commission.

Watch Items from the Filing

Combined ratio of 75.0% in Q1 2026 reflects significant impact from Citizens take-out windfall normalization; prior year Q1 2025 benefited from $1.2M assumed unearned premiums with lower acquisition costs.
Quota share reinsurance ceding commission reduction from 40% to 25% effective January 1, 2026 increased net loss ratios and policy acquisition expenses; management stated Citizens take-out opportunities may continue to decline over time.
Florida represents 93.0% of policies in-force, concentrating exposure to single state's regulatory, legislative, and catastrophic loss risks; reinsurance ceded catastrophe excess of loss ratio increased to 46.6% from 41.4% YoY.
Special cash dividend of $1.02 per share ($20.0M aggregate) paid March 30, 2026; company stated no plans for additional dividends in foreseeable future but retains discretionary authority.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$90.9M

Net Income

Q1 2026

$19.9M

Free Cash Flow

Q1 2026

$5.5M

Operating Margin

Q1 2026

30.0%

D/E Ratio

Q1 2026

0.00

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+35.3% YoY

$276.5MFY 2025

FY24 $204.4MFY25 $276.5M

Net Income

+150.7% YoY

$99.6MFY 2025

FY24 $39.7MFY25 $99.6M

EPS (Diluted)

+91.5% YoY

$5.65FY 2025

FY24 $2.95FY25 $5.65

Total Assets

+2.2% YoY

$1.23BFY 2025

FY24 $1.20BFY25 $1.23B

Total Debt

-28.5% YoY

$1.0MFY 2025

FY24 $1.4MFY25 $1.0M

Op. Cash Flow

-7.2% YoY

$138.2MFY 2025

FY24 $148.9MFY25 $138.2M

Metric	FY 2025	FY 2024
Revenue	$276.5M +35.3%	$204.4M
Net Income	$99.6M +150.7%	$39.7M
EPS (Diluted)	$5.65 +91.5%	$2.95
Total Assets	$1.23B +2.2%	$1.20B
Total Debt	$1.0M -28.5%	$1.4M
Operating Cash Flow	$138.2M -7.2%	$148.9M

AI Insight: AII Ratio Trends

Operating margin compressed 13pp from Q4 2025 to Q1 2026, signaling persistent seasonal or underwriting pressure in the latest quarter.

• NPM fell from 30.6% in Q4 2025 to 21.9% in Q1 2026, reflecting weaker net profitability despite zero leverage.

• ROIC declined from 34.6% in Q4 2025 to 32.5% in Q1 2026, marking the second consecutive quarterly contraction.

• TTM OpMargin at 33.6% and NPM at 27.6% remain solid, though latest quarter metrics lag significantly behind year-ago peaks.

⚠ Q1 2026 ROA of 6.8% matches Q4 2025 but is half Q1 2025's 13.4%, suggesting persistent earnings pressure or asset base growth.

⚠ Quarterly profitability volatility (OpMargin ranging 30–59% year-to-date) may mask structural shifts in underwriting or claims patterns.

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Available Research

13F Pro tracks comprehensive data for American Integrity Insurance Group, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of AII

Boston Partners
$28.4M1,473,831 sh
WASATCH ADVISORS LP
$23.0M1,192,192 sh
Mink Brook Asset Management LLC
$16.2M842,438 sh
BlackRock, Inc.
$14.5M749,890 sh
Freestone Grove Partners LP
$10.8M559,197 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$9.2M477,776 sh
VANGUARD CAPITAL MANAGEMENT LLC
$8.8M454,833 sh
Pacific Ridge Capital Partners, LLC
$7.5M389,420 sh
Russell Investments Group, Ltd.
$7.1M369,286 sh
TWO SIGMA INVESTMENTS, LP
$6.5M339,113 sh

Fund	Value	Shares
Boston Partners	$28.4M	1,473,831
WASATCH ADVISORS LP	$23.0M	1,192,192
Mink Brook Asset Management LLC	$16.2M	842,438
BlackRock, Inc.	$14.5M	749,890
Freestone Grove Partners LP	$10.8M	559,197
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$9.2M	477,776
VANGUARD CAPITAL MANAGEMENT LLC	$8.8M	454,833
Pacific Ridge Capital Partners, LLC	$7.5M	389,420
Russell Investments Group, Ltd.	$7.1M	369,286
TWO SIGMA INVESTMENTS, LP	$6.5M	339,113

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Is AII a good stock to buy?

13F Pro's AI-powered analysis of American Integrity Insurance Group, Inc. (AII) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for AII are available on the AII stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own AII?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling AII. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of American Integrity Insurance Group, Inc.'s investment landscape.