(AII) American Integrity - Ratings and Ratios
Homeowners, Flood, Umbrella, Specialty Property
AII EPS (Earnings per Share)
AII Revenue
Description: AII American Integrity
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 | 362m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2025-05-08 |
AII Stock Ratings
| Growth Rating | 90.2% |
| Fundamental | 81.9% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 6.76% |
| Analyst Rating | - |
AII Dividends
Currently no dividends paidAII Growth Ratios
| Growth Correlation 3m | 76.7% |
| Growth Correlation 12m | 86.1% |
| Growth Correlation 5y | 86.1% |
| CAGR 5y | 82.49% |
| CAGR/Max DD 3y | 9.87 |
| CAGR/Mean DD 3y | 24.02 |
| Sharpe Ratio 12m | -0.21 |
| Alpha | 0.00 |
| Beta | 0.972 |
| Volatility | 21.50% |
| Current Volume | 135.8k |
| Average Volume 20d | 102.2k |
| Stop Loss | 20 (-4.8%) |
| Signal | 1.58 |
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) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
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) 81.91
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 114.6% = 5.0 |
| 3. FCF Margin 51.11% = 7.50 |
| 4. Debt/Equity 0.01 = 2.50 |
| 5. Debt/Ebitda 0.06 = 2.50 |
| 6. ROIC - WACC (= 8.35)% = 10.44 |
| 7. RoE 56.91% = 2.50 |
| 8. Rev. Trend 92.91% = 6.97 |
| 9. EPS Trend -100.0% = -5.0 |
What is the price of AII shares?
Over the past week, the price has changed by +8.87%, over one month by +12.53%, over three months by +28.02% and over the past year by +24.91%.
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 20.36 USD . This means that AII is currently overvalued and has a potential downside of -3.05%.
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 | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 22.9 | 9.1% |
Last update: 2025-09-16 04:30
AII Fundamental Data Overview
CCE Cash And Equivalents = 259.6m USD (Cash And Short Term Investments, last quarter)
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 = 2.80m USD (from totalCurrentLiabilities, last quarter)
Debt = 3.63m USD (Calculated: Short Term 2.80m + Long Term 824.0k)
Net Debt = -258.8m USD (from netDebt column, last quarter)
Enterprise Value = 105.7m USD (361.7m + Debt 3.63m - CCE 259.6m)
Interest Coverage Ratio = unknown (Ebit TTM 56.2m / Interest Expense TTM 0.0)
FCF Yield = 114.6% (FCF TTM 121.2m / Enterprise Value 105.7m)
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)
Tobins Q-Ratio = 0.54 (Enterprise Value 105.7m / Book Value Of Equity 196.2m)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 3.63m)
Taxrate = 22.13% (11.3m / 51.0m)
NOPAT = 43.8m (EBIT 56.2m * (1 - 22.13%))
Current Ratio = 113.6 (Total Current Assets 318.2m / Total Current Liabilities 2.80m)
Debt / Equity = 0.01 (Debt 3.63m / last Quarter total Stockholder Equity 301.9m)
Debt / EBITDA = 0.06 (Net Debt -258.8m / EBITDA 57.4m)
Debt / FCF = 0.03 (Debt 3.63m / FCF TTM 121.2m)
Total Stockholder Equity = 162.4m (last fiscal year)
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 / (Equity 162.4m + L.T.Debt 824.0k))
RoIC = 17.88% (NOPAT 43.8m / Invested Capital 244.8m)
WACC = 9.52% (E(361.7m)/V(365.3m) * Re(9.62%)) + (D(3.63m)/V(365.3m) * Rd(0.0%) * (1-Tc(0.22)))
Shares Correlation 3-Years: -81.65 | Cagr: -6.93%
Discount Rate = 9.62% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow 121.2m)
EPS Correlation: -100.0 | EPS CAGR: -100.00% | SUE: N/A | # QB: 0
Revenue Correlation: 92.91 | Revenue CAGR: 99.94% | SUE: N/A | # QB: 0
Additional Sources for AII Stock
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Fund Manager Positions: Dataroma | Stockcircle