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

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American Integrity Insurance (AII - Free Report) reported $61.99 million in revenue for the quarter ended September 2025, representing no change year over year. EPS of $0.71 for the same period compares to $0 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $56.21 million, representing a surprise of +10.27%. The company delivered an EPS surprise of +16.39%, with the consensus EPS estimate being $0.61.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how American Integrity Insurance performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Combined Ratio: 78.9% versus 108.6% estimated by three analysts on average.
  • Loss Ratio: 54.1% versus the three-analyst average estimate of 85.4%.
  • Expense Ratio: 24.8% compared to the 23.2% average estimate based on three analysts.
  • Policies In-force: 406,094 versus 394,438 estimated by two analysts on average.
  • Revenues- Net investment income: $6.91 million versus $5.19 million estimated by four analysts on average.
  • Revenues- Policy fees: $2.81 million compared to the $2.67 million average estimate based on three analysts.
  • Revenues- Other income: $0.28 million versus $0.27 million estimated by three analysts on average.
  • Revenues- Net premiums earned: $52 million versus the three-analyst average estimate of $49.64 million.

View all Key Company Metrics for American Integrity Insurance here>>>

Shares of American Integrity Insurance have returned +9.5% over the past month versus the Zacks S&P 500 composite's +4.4% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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