American Integrity Insurance (AII) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - American Integrity Insurance (AII) reported $61.99 million in revenue for Q3 2025, showing no year-over-year change, with an EPS of $0.71 compared to $0 a year ago, exceeding the Zacks Consensus Estimate of $56.21 million by +10.27% [1] Financial Performance - The company delivered an EPS surprise of +16.39%, with the consensus EPS estimate being $0.61 [1] - AII's shares returned +9.5% over the past month, outperforming the Zacks S&P 500 composite's +4.4% change [3] Key Metrics - Combined Ratio: 78.9% versus the estimated 108.6% by three analysts [4] - Loss Ratio: 54.1% compared to the average estimate of 85.4% [4] - Expense Ratio: 24.8% against the average estimate of 23.2% [4] - Policies In-force: 406,094, exceeding the estimated 394,438 [4] - Net Investment Income: $6.91 million versus the estimated $5.19 million [4] - Policy Fees Revenue: $2.81 million compared to the estimated $2.67 million [4] - Other Income: $0.28 million versus the estimated $0.27 million [4] - Net Premiums Earned: $52 million compared to the estimated $49.64 million [4]