AII

American Financial Group (AFG) came out with quarterly earnings of $2.82 per share, beating the Zacks Consensus Estimate of $2.41 per share. This compares to earnings of $2.14 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +17.01%. A quarter ago, it was expected that this property and casualty insurer would post earnings of $2.55 per share when it actually produced earnings of $2.47, delivering a surprise of -3.14%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. American Financial, which belongs to the Zacks Insurance - Property and Casualty industry, posted revenues of $1.94 billion for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 0.65%. This compares to year-ago revenues of $1.86 billion. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. American Financial shares have added about 3.8% since the beginning of the year versus the S&P 500's gain of 11%. While American Financial has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for American Financial was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future....

CNA Financial (CNA) came out with quarterly earnings of $1.19 per share, beating the Zacks Consensus Estimate of $1.04 per share. This compares to earnings of $1.23 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +14.42%. A quarter ago, it was expected that this insurance holding company would post earnings of $1.49 per share when it actually produced earnings of $0.83, delivering a surprise of -44.3%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. CNA Financial, which belongs to the Zacks Insurance - Property and Casualty industry, posted revenues of $3.47 billion for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 3.65%. This compares to year-ago revenues of $3.37 billion. The company has topped consensus revenue estimates just once over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. CNA Financial shares have added about 9.9% since the beginning of the year versus the S&P 500's gain of 9.4%. While CNA Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for CNA Financial was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of tod...

TAMPA, Fla., July 28, 2026--(BUSINESS WIRE)--American Integrity Insurance Group, Inc. (NYSE: AII) ("American Integrity" or the "Company"), a Tampa-based property and casualty insurance holding company, today announced that it will release its second quarter 2026 results after the market close on Tuesday, August 11, 2026, and will host a conference call at 9:30 a.m. ET the following day, Wednesday, August 12, 2026. To participate in the call, register at https://events.q4inc.com/analyst/889411051?pwd=IvBYx9vK or dial +1 585 542 9983 (U.S. Local) or +1 833 461 5787 (U.S. Toll-Free), using Meeting ID: 889411051. A unique dial-in code will be provided upon registration. The conference call will also be webcast live on the Company’s investor relations website at https://investor.aii.com. A replay of the call will be available approximately two hours after the live call concludes and will remain accessible for one year at https://events.q4inc.com/attendee/889411051 and on the Company’s investor relations website. About American Integrity Insurance GroupAmerican Integrity Insurance Group, Inc. (NYSE: AII) is a leading provider of residential property insurance in Florida, focused on delivering innovative, reliable coverage to homeowners throughout the Southeast. Built on a foundation of integrity, resilience, and service, the Company’s mission is to be the most trusted and responsive insurance solution in the markets it serves. Founded in 2006 and headquartered in Tampa, American Integrity is committed to protecting policyholders with strength and purpose–today and for generations to come. For more information, visit www.aii.com. View source version on businesswire.com: https://www.businesswire.com/news/home/20260727503165/en/ Contacts Company: Brian Foley, CFOAmerican Integrity Insurance Group, Inc.Tel (813) [email protected]

Cincinnati Financial (CINF) came out with quarterly earnings of $1.43 per share, missing the Zacks Consensus Estimate of $1.82 per share. This compares to earnings of $1.97 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -21.43%. A quarter ago, it was expected that this insurer would post earnings of $1.93 per share when it actually produced earnings of $2.1, delivering a surprise of +8.81%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Cincinnati Financial, which belongs to the Zacks Insurance - Property and Casualty industry, posted revenues of $2.97 billion for the quarter ended June 2026, missing the Zacks Consensus Estimate by 1.38%. This compares to year-ago revenues of $2.78 billion. The company has topped consensus revenue estimates just once over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Cincinnati Financial shares have added about 11.9% since the beginning of the year versus the S&P 500's gain of 8.3%. While Cincinnati Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Cincinnati Financial was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete l...

Kinsale Capital Group, Inc. (KNSL) came out with quarterly earnings of $5.54 per share, beating the Zacks Consensus Estimate of $5.1 per share. This compares to earnings of $4.78 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +8.63%. A quarter ago, it was expected that this company would post earnings of $4.7 per share when it actually produced earnings of $5.11, delivering a surprise of +8.72%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Kinsale Capital Group, which belongs to the Zacks Insurance - Property and Casualty industry, posted revenues of $548.52 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 12.31%. This compares to year-ago revenues of $469.81 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Kinsale Capital Group shares have lost about 16.7% since the beginning of the year versus the S&P 500's gain of 9.6%. While Kinsale Capital Group has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Kinsale Capital Group was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. Y...

There's been a notable change in appetite for American Integrity Insurance Group, Inc. (NYSE:AII) shares in the week since its quarterly report, with the stock down 13% to US$17.07. The result was positive overall - although revenues of US$91m were in line with what the analysts predicted, American Integrity Insurance Group surprised by delivering a statutory profit of US$1.02 per share, modestly greater than expected. The analysts typically update their forecasts at each earnings report, and we can judge from their estimates whether their view of the company has changed or if there are any new concerns to be aware of. We thought readers would find it interesting to see the analysts latest (statutory) post-earnings forecasts for next year. This technology could replace computers: discover the 20 stocks are working to make quantum computing a reality. After the latest results, the five analysts covering American Integrity Insurance Group are now predicting revenues of US$384.4m in 2026. If met, this would reflect a huge 30% improvement in revenue compared to the last 12 months. Statutory earnings per share are expected to plunge 35% to US$2.72 in the same period. Before this earnings report, the analysts had been forecasting revenues of US$372.1m and earnings per share (EPS) of US$2.69 in 2026. There doesn't appear to have been a major change in sentiment following the results, other than the slight bump in revenue estimates. Check out our latest analysis for American Integrity Insurance Group Even though revenue forecasts increased, there was no change to the consensus price target of US$24.75, suggesting the analysts are focused on earnings as the driver of value creation. That's not the only conclusion we can draw from this data however, as some investors also like to consider the spread in estimates when evaluating analyst price targets. Currently, the most bullish analyst values American Integrity Insurance Group at US$27.00 per share, while the most bearish prices it at US$23.00. This is a very narrow spread of estimates, implying either that American Integrity Insurance Group is an easy company to value, or - more likely - the analysts are relying heavily on some key assumptions. Another way we can view these estimates is in the context of the bigger picture, such as how the forecasts stack up against past performance, and whether forecasts are more or...

This article first appeared on GuruFocus. Release Date: May 13, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. American Integrity Insurance Group Inc (NYSE:AII) reported strong growth in policies, with a 14% year-over-year increase in policies in force. The company is experiencing significant growth in new markets, with South Carolina policies increasing by 119% and Georgia by 332%. AII has successfully re-entered the Tri-County and middle-aged home markets in Florida, with a 20x increase in policy writing year-over-year. The company is benefiting from improved legislative reforms in Florida, allowing for profitable re-engagement in previously challenging markets. AII's multi-channel distribution model is delivering consistent, diversified growth, with independent agents and company alliances showing significant increases. Net income for the first quarter decreased to $19.9 million from $35.9 million in the prior-year period, impacted by reduced Citizens takeout activity. The company's loss ratio increased to 37.3% from 30.9% in the prior year, due to a larger book of business and changes in quota share. Policy acquisition and G&A expenses increased significantly, driven by higher new business production and reduced seeding commission income. The combined ratio for the quarter rose to 75% from 42.9% in the prior-year period, reflecting changes in quota share and expense structure. Shareholders' equity slightly declined due to a $20 million special dividend, indicating a need for careful capital management moving forward. Warning! GuruFocus has detected 9 Warning Signs with TRMD. Is AII fairly valued? Test your thesis with our free DCF calculator. Q: What are you seeing in terms of competition from Florida specialists and national carriers, and who are you winning market share from in the new target markets of tri-county and middle-aged roofs? A: Bob Ritchie, CEO, explained that the competition is not as intense as it might seem. Many carriers have gone out of business, and while there are new entrants, they are mostly niche carriers. The company is capturing significant market share, particularly in new home constructions and re-emerging markets like middle-aged homes and South Florida, due to reforms and rate adequacy. Q: What are your capital priorities going forward? Would you consider buybacks or...

Interested in American Integrity Insurance Group, Inc.? Here are five stocks we like better. Q1 2026 profit fell sharply to $19.9 million, or $1.02 per share, from $35.9 million a year earlier. Management said the prior-year comparison was boosted by unusually strong Citizens Property Insurance takeout activity, making this quarter a more normalized view of earnings. Growth is shifting toward voluntary business, with more than 94,000 new and renewal policies written in the quarter and in-force policies rising 14% year over year to over 437,000. American Integrity also saw strong gains in Florida’s Tri-County and middle-aged home segments, plus early expansion in Georgia, South Carolina and North Carolina. Premiums and net earned premium rose after the quota share cession was reduced from 40% to 25%, lifting net premiums earned 25.7% to $82.2 million. The company expects a more favorable reinsurance renewal on June 1 and said growth remains the top capital priority, with buybacks or special dividends only considered if excess capital remains. American Integrity Insurance Group (NYSE:AII) reported first-quarter 2026 net income available to common shareholders of $19.9 million, or $1.02 per diluted share, down from $35.9 million, or $2.78 per diluted share, in the prior-year period, as management said last year’s results benefited from elevated Citizens Property Insurance takeout activity. Chief Financial Officer Brian Foley said the latest quarter offers “a more representative view of the underlying earnings power of the business” as Citizens-related activity has moderated. Foley, who recently joined the company after previously working with American Integrity as an investment banker at KBW during its public listing process, succeeds Ben Lurie, who will return to Salient Company, the company’s lead investor. Founder and Chief Executive Officer Bob Ritchie said Lurie will continue to support the transition and remain on the insurance company board. → Rocket Lab Just Hit a New All-Time High—Time to Buy or Let It Breathe? Management emphasized that American Integrity’s growth is increasingly being driven by voluntary policies rather than Citizens takeouts. Ritchie said the business is “transitioning toward more durable, voluntary-driven growth with a more normalized earnings profile.” President Jon Ritchie said the company wrote more than 94,000 new and renewal p...

TAMPA, Fla., May 12, 2026--(BUSINESS WIRE)--American Integrity Insurance Group, Inc. ("American Integrity," "we," "us," "our" or the "Company") (NYSE: AII), a Tampa-based property and casualty insurance holding company and one of Florida’s leading providers of residential property insurance, today reported financial results for the first quarter of 2026. As previously disclosed, on May 9, 2025, the Company successfully completed its initial public offering ("IPO"). The financial results for the first quarter of 2026 included in this earnings release are those of American Integrity Insurance Group, Inc. For the purposes of this earnings release and the financial information provided herein, references to "American Integrity" or the "Company" prior to the consummation of the IPO refer to American Integrity Insurance Group, LLC, and such references after the consummation of the IPO refer to American Integrity Insurance Group, Inc. First Quarter 2026 Highlights: Net income available to common shareholders of $19.9 million, or $1.02 per diluted share, compared to $35.9 million, or $2.78 per diluted share, in the first quarter of 2025. Adjusted net income1 available to common shareholders of $20.1 million, or $1.03 per diluted share, compared to $35.9 million, or $2.78 per diluted share, in the first quarter of 2025 Return on equity of 23.7%, compared to 87.5% for the first quarter of 2025. Adjusted return on equity1 of 23.9%, compared to 87.4% in the first quarter of 2025 Net premiums earned of $82.2 million, an increase of 25.7% compared to the first quarter of 2025 Policies-in-force were 437,308 at March 31, 2026, up 14.1% over March 31, 2025 Combined ratio of 75.0% in the first quarter of 2026, compared to 42.9% in the first quarter of 2025 Wrote 94,126 new and renewal policies in the voluntary market, an increase of 22% compared to the first quarter of 2025 driven by growth in the Tri-County region and middle-aged roofs within our core state of Florida and geographic expansion outside of Florida Assumed 584 policies, including 42 commercial residential policies, from Citizens Property Insurance Corporation ("Citizens"), compared to 16,632 policies assumed in the first quarter of 2025. Take-outs decreased as fewer policies from Citizens met our underwriting and targeted profitability standards As previously disclosed, our results for the first quarter of 2026...

American Integrity (NYSE:AII) reported first-quarter financial results on Wednesday. The transcript from the company's first-quarter earnings call has been provided below. Benzinga APIs provide real-time access to earnings call transcripts and financial data. Visit https://www.benzinga.com/apis/ to learn more. View the webcast at https://events.q4inc.com/analyst/597233559?pwd=g0YDCsIj AII reported a net income of $19.9 million or $1.02 per share for Q1 2026, compared to $35.9 million or $2.78 per share in Q1 2025, reflecting a more representative view of its earnings potential after high takeout activities last year. The company's gross premiums written increased by 3.7% to $220 million, driven by expansion in the voluntary market and a shift in quota share session from 40% to 25%, resulting in a 25.7% increase in net premiums earned to $82.2 million. Strategic initiatives include re-entering the Florida Tri County market and middle-aged home segments, achieving a 20x increase in policy writing year-over-year, and expanding into the Southeast with significant growth in South Carolina, Georgia, and newly entered North Carolina. AII expects improved reinsurance market conditions, indicating meaningful rate softening for its June 1 renewal, which will support consistent profitability and growth. Management emphasized the strong performance of its multi-channel distribution model, achieving an 18% year-over-year growth in voluntary customers, and highlighted the durability and scalability of its business model beyond Florida. OPERATOR Hello and thank you for standing by. My name is Jade and I will be your conference operator today. At this time I would like to welcome everyone to the American Integrity Insurance Group first quarter 2026 earnings conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. As a reminder, this call is being recorded before we begin. Please note that today's remarks may contain forward looking statements including comments about the Company's outlook, strategy, plans and expected performance. These statements are based on current expectations and assumptions and are subject to risks and uncertainties that may cause actual results to differ materially. A full discussion of the risk factors can be found in the Company's SEC filings, incl...

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. Performance is transitioning toward a more durable, voluntary-driven growth profile with improving visibility into forward earnings following the IPO. The company is re-engaging in the Florida Tri-County and middle-aged home markets, where legislative reforms have restored a rational and profitable litigation environment. Management attributes a 20x year-over-year increase in new policies per day in these specific markets to the reversal of previous exposure reductions. Growth is being intentionally concentrated within high-performing distribution partners who maintain gross non-cat loss ratios consistently below 20%. The company views the influx of new capital and carriers in Florida as a positive necessity for an underserved market, rather than a competitive threat to its disciplined underwriting. Reported rate changes are noted to potentially overstate true earned premium impact due to the presence of inflation guard mechanisms that adjust for rising rebuild costs. Management expects substantial and meaningful rate softening for the June 1 reinsurance renewal, which is nearly complete. The company anticipates delivering consistent profitability driven by a shift toward voluntary business mix and favorable reinsurance tailwinds. Expansion strategy focuses on scaling the portable operating model across the Southeast, with early triple-digit growth in South Carolina and Georgia serving as a blueprint. Future capital allocation decisions, including potential buybacks or special dividends, are deferred until the conclusion of the Atlantic wind season. The commercial residential product line, launched late last year, is expected to provide incremental diversification through condo and homeowners associations. The reduction in the quota share session from 40% to 25% is a structural shift intended to retain more premium and long-term earnings potential. Year-over-year comparisons were impacted by elevated Citizens takeout activity in Q1 2025, which created a temporary earnings benefit not present in the current period. The reported expense ratio increase reflects the retention of more premium and associated costs, alongside lower ceding commission income due to the new reinsurance treaty structure. Management exp...

American Integrity Insurance (AII) reported $90.88 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 26.5%. EPS of $1.03 for the same period compares to $1.95 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $92.93 million, representing a surprise of -2.21%. The company delivered an EPS surprise of +9.87%, with the consensus EPS estimate being $0.94. 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. 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: 75% versus 78% estimated by three analysts on average. Loss Ratio: 37.3% versus the three-analyst average estimate of 41.8%. Expense Ratio: 37.6% versus the three-analyst average estimate of 36.2%. Policies in-force: 437,308 versus the two-analyst average estimate of 429,184. Revenues- Net investment income: $5.65 million compared to the $6.15 million average estimate based on three analysts. Revenues- Other income: $0.27 million versus the three-analyst average estimate of $0.34 million. Revenues- Policy fees: $2.75 million versus $3.15 million estimated by three analysts on average. Revenues- Net premiums earned: $82.21 million compared to the $80.86 million average estimate based on three analysts. View all Key Company Metrics for American Integrity Insurance here>>> Shares of American Integrity Insurance have returned +6.7% over the past month versus the Zacks S&P 500 composite's +8.8% 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. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report American Integrity Insurance Group, Inc. (AII) : Free Stock Analysis Report This article or...