Here's What Key Metrics Tell Us About American Integrity Insurance (AII) Q4 Earnings

Core Insights - American Integrity Insurance (AII) reported revenue of $68.05 million for the quarter ended December 2025, showing no change year-over-year, with an EPS of $1.11 compared to $0 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate by +10.28%, while the EPS surprised by +40.95% over the consensus estimate [1] Financial Performance Metrics - The combined ratio was reported at 62.8%, significantly better than the average estimate of 74.7% from three analysts [4] - The loss ratio stood at 42.6%, compared to the average estimate of 50.1% from three analysts [4] - The expense ratio was 20.2%, lower than the estimated 24.7% by three analysts [4] - Policies in-force totaled 421,866, exceeding the average estimate of 414,954 from two analysts [4] - Net investment income was $5.92 million, below the average estimate of $6.59 million from four analysts [4] - Other income was reported at $0.36 million, slightly above the average estimate of $0.28 million from four analysts [4] - Policy fees amounted to $2.42 million, compared to the average estimate of $2.72 million from four analysts [4] - Net premiums earned were $59.35 million, surpassing the average estimate of $51.37 million from four analysts [4] Stock Performance - Shares of American Integrity Insurance have returned -3.3% over the past month, while the Zacks S&P 500 composite experienced a -1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]