Short answer
American Integrity Insurance Group, Inc. (AII) filed its Q3 2025 10-Q quarterly report on Nov 13, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $62M with net income of $13M.
Q3 2025 key financials · XBRL
- Revenue
- $62M
- −16.7% QoQ
- Net income
- $13M
- −52.1% QoQ
- EPS (diluted)
- $0.48
- +100.2% QoQ
Source: XBRL data from the American Integrity Insurance Group, Inc. (AII) Q3 2025 10-Q on SEC EDGAR. USD.
American Integrity Insurance Group, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Third-quarter revenue $62.0M vs $46.5M YoY, up 33.3%, driven by premium growth
- Combined ratio 78.9% vs 94.3% YoY; loss ratio 54.1% vs 59.0%
- Net income $13.2M vs $4.5M YoY; annualized ROE 17.0% vs 11.9%
- Policies in-force 406,094 vs 273,222 YoY; in-force premium $910.4M vs $699.2M
- IPO generated $100M gross proceeds; reinsurance costs and climate-related catastrophe risk remained key headwinds
Risk Factors
- Newly added risk not identifiable because the excerpt omits the 10-Q’s change comparison to the prior 10-K
- Florida concentration risk, with 22.4% of policies and 29.2% of premiums in-force assumed from Citizens
- Regulatory risk from Florida laws, court challenges, and rulemaking delays affecting insurance reforms
- Catastrophe risk from Florida hurricanes, convective storms, and other severe weather events
- Reserve risk from inflation, rising labor and material costs, and claims behavior exceeding historical trends
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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