AII Stock Analysis: American Integrity | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 506m USD | 12M Return: 19.1% | US0269481091 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.25M
Qual. Beats: 1
Rev. Trend: 88.9%
Warnings
Tailwinds
Seasonality 1.3 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
American Integrity Insurance Group, Inc. (AII) is a U.S. property and casualty insurer that primarily writes personal residential property coverage, including policies for single-family homeowners, condominium owners, vacant dwellings, and investment properties. The company also offers manufactured home, commercial residential, dwelling property, and specialty insurance, along with optional endorsements (such as personal injury, animal liability, identity recovery, and golf cart physical) and flood insurance products.
Distribution is conducted through the Voluntary Market, leveraging independent agents, national and regional insurance carriers, homebuilder-affiliated agents, and direct-to-consumer channels. The company was incorporated in 2006 and is headquartered in Tampa, Florida, and began trading on the NYSE following its May 2025 IPO. As a Florida-focused property writer, AII operates in one of the most hurricane-exposed U.S. markets, where catastrophe risk and reinsurance costs are key drivers of underwriting performance for residential insurers.
- Florida hurricane losses pressure underwriting margins
- State regulatory reforms reshape rate approval environment
- Reinsurance costs rise amid hardening market conditions
| Net Income: 88.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -3.93 > 1.0 |
| NWC/Revenue: -112.3% < 20% (prev 43.93%; Δ -156.2% < -1%) |
| CFO/TA 0.11 > 3% & CFO 172.6m > Net Income 88.1m |
| Net Debt (-369.5m) to EBITDA (124.0m): -2.98 < 3 |
| Current Ratio: 0.52 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.6m) vs 12m ago 15.46% < -2% |
| Gross Margin: 66.84% > 18% (prev 50.44%; Δ 16.41% > 0.5%) |
| Asset Turnover: 20.99% > 50% (prev 16.34%; Δ 4.65% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: -0.23 (Total Current Assets 403.0m - Total Current Liabilities 780.4m) / Total Assets 1.61b |
| B: 0.16 (Retained Earnings 263.3m / Total Assets 1.61b) |
| C: 0.08 (EBIT TTM 121.7m / Avg Total Assets 1.60b) |
| D: 0.30 (Book Value of Equity 369.5m / Total Liabilities 1.24b) |
| Altman-Z'' = -0.18 = B |
| DSRI: 0.10 (Receivables 59.1m/454.1m, Revenue 336.2m/260.0m) |
| GMI: 0.75 (GM 50.44% / 66.84%) |
| AQI: 5.44 (AQ_t 0.72 / AQ_t-1 0.13) |
| SGI: 1.29 (Revenue 336.2m / 260.0m) |
| TATA: -0.05 (NI 88.1m - CFO 172.6m) / TA 1.61b) |
| Beneish M = -1.15 (Cap -4..+1) = D |
As of October 09, 2026, the stock is trading at USD 26.97 with a total of 305,479 shares traded. Over the past week, the price has changed by +4.37%, over one month by +2.94%, over three months by +41.57% and over the past year by +19.08%.
Current recommended Stop Loss: 25.80 (which is 4.3% or 1.3 ATR below the current price).
American Integrity has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy AII.
- StrongBuy: 1
- Buy: 4
- Hold: 1
- Sell: 0
- StrongSell: 0
P/E Trailing = 5.913
P/E Forward = 7.8989
P/S = 1.5059
P/B = 1.324
Revenue TTM = 336.2m USD
EBIT TTM = 121.7m USD
EBITDA TTM = 124.0m USD
Long Term Debt = 412k USD (from longTermDebt, last quarter)
Short Term Debt = 326k USD (from shortTermDebt, last quarter)
Debt = 33.5m USD (from shortLongTermDebtTotal, last quarter) (leases 33.1m already included)
Net Debt = -369.5m USD (calculated: Debt 33.5m - CCE 403.0m)
Enterprise Value = 136.8m USD (506.3m + Debt 33.5m - CCE 403.0m)
Interest Coverage Ratio = unknown (Ebit TTM 121.7m / Interest Expense TTM 0.0)
EV/FCF = 4.83x (Enterprise Value 136.8m / FCF TTM 28.3m)
FCF Yield = 20.71% (FCF TTM 28.3m / Enterprise Value 136.8m)
FCF Margin = 8.43% (FCF TTM 28.3m / Revenue TTM 336.2m)
Net Margin = 26.20% (Net Income TTM 88.1m / Revenue TTM 336.2m)
Gross Margin = 66.84% ((Revenue TTM 336.2m - Cost of Revenue TTM 111.5m) / Revenue TTM)
Gross Margin QoQ = 71.22% (prev 65.11%)
Tobins Q-Ratio = 0.08 (Enterprise Value 136.8m / Total Assets 1.61b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 33.5m)
Taxrate = 27.64% (33.6m / 121.7m)
NOPAT = 88.1m (EBIT 121.7m * (1 - 27.64%))
Current Ratio = 0.36 (Total Current Assets 403.0m / Total Current Liabilities 1.12b)
Debt / Equity = 0.09 (Debt 33.5m / totalStockholderEquity, last quarter 369.5m)
Debt / EBITDA = -2.98 (Net Debt -369.5m / EBITDA 124.0m)
Debt / FCF = -13.04 (Net Debt -369.5m / FCF TTM 28.3m)
Total Stockholder Equity = 339.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.50% (Net Income 88.1m / Total Assets 1.61b)
RoE = 25.95% (Net Income TTM 88.1m / Total Stockholder Equity 339.5m)
RoCE = 35.81% (EBIT 121.7m / Capital Employed (Equity 339.5m + L.T.Debt 412k))
RoIC = 5.53% (NOPAT 88.1m / Invested Capital 1.59b)
WACC = 5.77% (E(506.3m)/V(539.8m) * Re(6.15%) + D(33.5m)/V(539.8m) * Rd(0.0%) * (1-Tc(0.28)))
Discount Rate = 6.15% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -5.90 | Cagr: 0.01%
[DCF] Terminal Value 73.10% ; FCFF base≈53.2m ; Y1≈46.7m ; Y5≈37.7m
[DCF] Fair Price = 49.76 (EV 605.4m - Net Debt -369.5m = Equity 974.9m / Shares 19.6m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 1.92 | # QB: 1
Revenue Correlation: 88.89 | Revenue CAGR: 17.32% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=-0.14 | Chg30d=-102.86% | Revisions=+17% | Analysts=5
EPS current Year (2026-12-31): EPS=3.78 | Chg30d=+35.30% | Revisions=+67% | GrowthEPS=-36.7% | GrowthRev=+52.1%
EPS next Year (2027-12-31): EPS=3.24 | Chg30d=+7.58% | Revisions=+67% | GrowthEPS=-14.3% | GrowthRev=+23.0%
[Analyst] Revisions Ratio: +72% (up=14, down=1)