American Integrity posts record Q3 2026 earnings and policy growth
American Integrity Insurance Group reported third‑quarter 2026 net income of $28.4 million, up 115.4% year‑over‑year. Gross premiums written rose 22.7% to $293.3 million and net premiums earned jumped 94.5% to $101.2 million. Policies in‑force increased 18.6% to 481,446, driven by strong voluntary market expansion and a reduction in non‑catastrophe quota‑share reinsurance. The combined ratio improved to 70.6% from 78.9% a year earlier, and the company ended the quarter debt‑free with $391.2 million of shareholders’ equity.
Why it matters
The company’s earnings surge and lower combined ratio signal higher profitability and underwriting discipline, which should support its share price and dividend capacity (the firm returned $20 million via a special dividend earlier in 2026). The debt‑free balance sheet gives it flexibility for future growth or acquisitions.
Key facts
- 1Net income was $28.4 million, up 115.4% from $13.2 million a year earlier. reinsurancene.ws
- 2Gross premiums written increased 22.7% to $293.3 million. reinsurancene.ws
- 3Net premiums earned rose 94.5% to $101.2 million. reinsurancene.ws
- 4Total revenues grew 83% to $113.5 million. reinsurancene.ws
- 5Policies in‑force reached 481,446, up 18.6% YoY. reinsurancene.ws
- 6Combined ratio improved to 70.6% from 78.9% a year earlier. reinsurancene.ws
Summary written by AlphAI AI Desk from 6 of 6 sources. Not investment advice. Figures are as stated by the linked sources.