American Integrity Insurance Group, Inc. financial statements
Income statement, balance sheet and cash flow statement for the last 2 fiscal years, taken from the XBRL data American Integrity Insurance Group, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2025
FY2025
Revenue
204
276
General and administrative
31
41.9
Interest expense
0.05
0.03
Pre-tax income
51
115
Income tax
11.3
15.4
Net income
39.7
99.6
EPS, basic
2.95
5.65
EPS, diluted
2.95
5.65
Shares, basic (weighted)
12.9
17.2
Shares, diluted (weighted)
12.9
17.2
Balance sheet
FY2025
FY2025
Cash and equivalents
173
204
Short-term investments
0
18.1
Property, plant and equipment
1.84
5.72
Lease right-of-use assets
2.5
0.45
Total assets
1,198
1,230
Short-term debt
0.41
0.41
Long-term debt
0.62
0.21
Total liabilities
1,036
893
Total debt
1.03
0.62
Paid-in capital
10.3
106
Retained earnings
152
229
Other comprehensive income
-0.33
1.93
Shareholders' equity
162
337
Total equity
162
337
Total liabilities and equity
1,198
1,230
Shares outstanding
12.9
19.6
Cash flow statement
FY2025
FY2025
Net income
39.7
99.6
Depreciation and amortization
0.78
1.14
Stock-based compensation
0
10.6
Deferred income tax
-2.34
-10.5
Cash from operations
149
138
Capital expenditures
-1.31
-5.02
Purchases of investments
0
-33
Cash from investing
-19.4
-135
Debt repaid
-0.41
-0.41
Cash from financing
-12.4
61.7
Net change in cash
117
64.8
Free cash flow
148
133
Interest paid
0.07
0.03
Income taxes paid
1
35.3
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $25.19 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Pre-tax margin
36.2%
Pre-tax income / revenue.
Net margin
26.2%
Net income / revenue.
FCF margin
48.7%
Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin
51.3%
Cash from operations / revenue.
Effective tax rate
27.6%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
23.8%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
5.5%
Net income / average total assets.
Stock-based pay / revenue
0.3%
Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue
2.7%
Capital expenditures / revenue.
D&A / revenue
0.7%
Depreciation and amortization / revenue.
Growth
Metric
Value
How it is calculated
Revenue growth, 1y
35.3%
Revenue vs the same period a year earlier. Only from a positive base.
Net income growth, 1y
150.7%
Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y
91.5%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
-7.2%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y
-9.8%
Free cash flow vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
107.5%
Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
2.7%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
33.6%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Balance sheet health
Metric
Value
How it is calculated
Debt / equity
0.00x
Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets
0.0%
Total debt / total assets.
Liabilities / assets
77.1%
Total liabilities / total assets.
Net debt
-$292.8M
Total debt - cash - short-term investments. Negative means more cash than debt.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
5.2%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$4.50
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share
$17.16
Revenue / diluted weighted shares.
FCF per share
$8.35
Free cash flow / diluted weighted shares.
Operating cash flow per share
$8.81
Cash from operations / diluted weighted shares.
Book value per share
$18.86
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/E
5.60x
Market cap / net income. Only when net income is positive.
P/S
1.47x
Market cap / revenue.
P/B
1.34x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.34x
Market cap / tangible book value, when positive.
P/FCF
3.02x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
2.86x
Market cap / cash from operations, when positive.
EV/Sales
0.60x
Enterprise value / revenue.
EV/FCF
1.23x
Enterprise value / free cash flow, when both are positive.
FCF yield
33.2%
Free cash flow / market cap.
Earnings yield
17.8%
Net income / market cap (the inverse of P/E).
What was American Integrity Insurance Group, Inc.'s revenue in fiscal 2025?
American Integrity Insurance Group, Inc. reported revenue of $276.5M for fiscal 2025, 35.3% higher than the year before.
Was American Integrity Insurance Group, Inc. profitable in fiscal 2025?
Yes. Net income was $99.6M, a net margin of 36%.
How much free cash flow did American Integrity Insurance Group, Inc. generate in fiscal 2025?
Cash from operations of $138.2M minus capital expenditures of $5.0M left free cash flow of $133.2M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.