(AII) American Integrity - Ratings and Ratios
Homeowners, Flood, Umbrella, Specialty Property
AII EPS (Earnings per Share)
AII Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 33.4% |
| Value at Risk 5%th | 50.6% |
| Reward | |
|---|---|
| Sharpe Ratio | 2.40 |
| Alpha | 42.03 |
| Character | |
|---|---|
| Hurst Exponent | 0.303 |
| Beta | 0.129 |
| Drawdowns 3y | |
|---|---|
| Max DD | 8.36% |
| Mean DD | 2.72% |
Description: AII American Integrity August 18, 2025
American Integrity Insurance Group, Inc. (NYSE:AII) is a property and casualty insurance company listed on the New York Stock Exchange. As a player in the insurance industry, the companys performance is influenced by key economic drivers such as interest rates, regulatory changes, and the overall state of the economy.
The companys return on equity (RoE) stands at 56.91%, indicating a strong ability to generate profits from shareholder equity. This metric is particularly relevant in the insurance industry, where companies with high RoE are often better positioned to weather economic downturns and capitalize on growth opportunities.
To evaluate AIIs performance, key performance indicators (KPIs) such as loss ratio, expense ratio, and combined ratio should be closely monitored. A low loss ratio and expense ratio would indicate efficient operations, while a combined ratio below 100% would suggest profitability. Additionally, metrics like premium growth rate, policyholder retention rate, and investment income yield can provide insights into the companys revenue streams and overall financial health.
As a property and casualty insurer, AIIs business is sensitive to factors like natural disasters, litigation trends, and economic conditions. The companys ability to manage risk, price policies accurately, and maintain a diversified portfolio will be crucial in driving long-term success. Furthermore, AIIs investment portfolio and asset allocation strategies will also impact its overall profitability and stability.
Investors should closely monitor industry trends, regulatory developments, and macroeconomic indicators to gauge AIIs prospects. A thorough analysis of the companys financials, management team, and competitive positioning will also be essential in making informed investment decisions.
AII Stock Overview
| Market Cap in USD | 468m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2025-05-08 |
| Return 12m vs S&P 500 | +23.92% |
| Analyst Rating | - |
AII Dividends
Currently no dividends paidAII Growth Ratios
| CAGR | 117.66% |
| CAGR/Max DD Calmar Ratio | 14.08 |
| CAGR/Mean DD Pain Ratio | 43.19 |
| Current Volume | 114.2k |
| Average Volume | 71.6k |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (92.4m TTM) > 0 and > 6% of Revenue (6% = 14.2m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 0.23pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 133.1% (prev 387.8%; Δ -254.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 122.7m > Net Income 92.4m (YES >=105%, WARN >=100%) |
| Net Debt (-258.8m) to EBITDA (57.4m) ratio: -4.51 <= 3.0 (WARN <= 3.5) |
| Current Ratio 113.6 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last fiscal year (19.6m) change vs prev FY 0.0% (target <= -2.0% for YES) |
| Gross Margin 79.04% (prev 39.26%; Δ 39.78pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 19.33% (prev 23.30%; Δ -3.98pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -1.26 (EBITDA TTM 57.4m / Interest Expense TTM -44.5m) >= 6 (WARN >= 3) |
Altman Z'' 2.17
| (A) 0.20 = (Total Current Assets 318.2m - Total Current Liabilities 2.80m) / Total Assets 1.59b |
| (B) 0.12 = Retained Earnings (Balance) 195.1m / Total Assets 1.59b |
| (C) 0.05 = EBIT TTM 56.2m / Avg Total Assets 1.23b |
| (D) 0.15 = Book Value of Equity 196.2m / Total Liabilities 1.29b |
| Total Rating: 2.17 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 84.29
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 57.93% = 5.0 |
| 3. FCF Margin 51.11% = 7.50 |
| 4. Debt/Equity 0.00 = 2.50 |
| 5. Debt/Ebitda -4.51 = 2.50 |
| 6. ROIC - WACC (= 35.35)% = 12.50 |
| 7. RoE 56.91% = 2.50 |
| 8. Rev. Trend 97.20% = 7.29 |
| 9. EPS Trend -100.0% = -5.0 |
What is the price of AII shares?
Over the past week, the price has changed by +6.43%, over one month by +6.15%, over three months by +40.58% and over the past year by +47.99%.
Is American Integrity a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AII is around 26.41 USD . This means that AII is currently overvalued and has a potential downside of 5.6%.
Is AII a buy, sell or hold?
What are the forecasts/targets for the AII price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 25 | -0% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 28.2 | 12.9% |
AII Fundamental Data Overview October 31, 2025
P/E Trailing = 6.1783
P/E Forward = 8.285
P/S = 1.7995
P/B = 1.4659
Beta = None
Revenue TTM = 237.1m USD
EBIT TTM = 56.2m USD
EBITDA TTM = 57.4m USD
Long Term Debt = 824.0k USD (from longTermDebt, last quarter)
Short Term Debt = 412.0k USD (from shortTermDebt, last fiscal year)
Debt = 824.0k USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -258.8m USD (from netDebt column, last quarter)
Enterprise Value = 209.2m USD (468.0m + Debt 824.0k - CCE 259.6m)
Interest Coverage Ratio = -1.26 (Ebit TTM 56.2m / Interest Expense TTM -44.5m)
FCF Yield = 57.93% (FCF TTM 121.2m / Enterprise Value 209.2m)
FCF Margin = 51.11% (FCF TTM 121.2m / Revenue TTM 237.1m)
Net Margin = 38.98% (Net Income TTM 92.4m / Revenue TTM 237.1m)
Gross Margin = 79.04% ((Revenue TTM 237.1m - Cost of Revenue TTM 49.7m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 66.66%)
Tobins Q-Ratio = 0.13 (Enterprise Value 209.2m / Total Assets 1.59b)
Interest Expense / Debt = -5404 % (Interest Expense -44.5m / Debt 824.0k)
Taxrate = -14.10% (negative due to tax credits) (-3.40m / 24.1m)
NOPAT = 64.1m (EBIT 56.2m * (1 - -14.10%)) [negative tax rate / tax credits]
Current Ratio = 113.6 (out of range, set to none) (Total Current Assets 318.2m / Total Current Liabilities 2.80m)
Debt / Equity = 0.00 (Debt 824.0k / totalStockholderEquity, last quarter 301.9m)
Debt / EBITDA = -4.51 (Net Debt -258.8m / EBITDA 57.4m)
Debt / FCF = -2.14 (Net Debt -258.8m / FCF TTM 121.2m)
Total Stockholder Equity = 162.4m (last fiscal year from totalStockholderEquity)
RoA = 5.81% (Net Income 92.4m / Total Assets 1.59b)
RoE = 56.91% (Net Income TTM 92.4m / Total Stockholder Equity 162.4m)
RoCE = 34.44% (EBIT 56.2m / Capital Employed (Equity 162.4m + L.T.Debt 824.0k))
RoIC = 39.25% (NOPAT 64.1m / Invested Capital 163.4m)
WACC = 3.90% (E(468.0m)/V(468.8m) * Re(3.91%) + (debt cost/tax rate unavailable))
Discount Rate = 3.91% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -13.38%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈98.2m ; Y1≈121.1m ; Y5≈206.6m
Fair Price DCF = 179.6 (DCF Value 3.51b / Shares Outstanding 19.6m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -100.0 | EPS CAGR: -84.25% | SUE: N/A | # QB: 0
Revenue Correlation: 97.20 | Revenue CAGR: 99.94% | SUE: N/A | # QB: 0
Additional Sources for AII Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle