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

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For the quarter ended September 2026, American Integrity Insurance (AII - Free Report) reported revenue of $113.48 million, up 83.1% over the same period last year. EPS came in at $1.44, compared to $0.71 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $105.43 million, representing a surprise of +7.63%. The company delivered an EPS surprise of +114.93%, with the consensus EPS estimate being $0.67.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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: 70.6% compared to the 86.2% average estimate based on four analysts.
  • Loss Ratio: 36.6% versus the four-analyst average estimate of 52.4%.
  • Expense Ratio: 34% compared to the 36.8% average estimate based on four analysts.
  • Revenues- Net investment income: $8.42 million compared to the $6.89 million average estimate based on four analysts. The reported number represents a change of +21.9% year over year.
  • Revenues- Other income: $0.37 million compared to the $0.38 million average estimate based on four analysts. The reported number represents a change of +33.8% year over year.
  • Revenues- Policy fees: $3.54 million compared to the $3.25 million average estimate based on four analysts. The reported number represents a change of +26% year over year.
  • Revenues- Net premiums earned: $101.16 million versus the four-analyst average estimate of $94.77 million. The reported number represents a year-over-year change of +94.5%.

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

Shares of American Integrity Insurance have returned +2.4% over the past month versus the Zacks S&P 500 composite's -3.3% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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