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

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For the quarter ended December 2025, American Integrity Insurance (AII - Free Report) reported revenue of $68.05 million, representing no change compared to the same period last year. EPS came in at $1.11, compared to $0 in the year-ago quarter.

The reported revenue represents a surprise of +10.28% over the Zacks Consensus Estimate of $61.71 million. With the consensus EPS estimate being $0.79, the EPS surprise was +40.95%.

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.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: 62.8% compared to the 74.7% average estimate based on three analysts.
  • Loss Ratio: 42.6% compared to the 50.1% average estimate based on three analysts.
  • Expense Ratio: 20.2% versus 24.7% estimated by three analysts on average.
  • Policies In-force: 421,866 versus the two-analyst average estimate of 414,954.
  • Revenues- Net investment income: $5.92 million versus $6.59 million estimated by four analysts on average.
  • Revenues- Other income: $0.36 million versus $0.28 million estimated by four analysts on average.
  • Revenues- Policy fees: $2.42 million compared to the $2.72 million average estimate based on four analysts.
  • Revenues- Net premiums earned: $59.35 million versus the four-analyst average estimate of $51.37 million.

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

Shares of American Integrity Insurance have returned -3.3% over the past month versus the Zacks S&P 500 composite's -1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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