(AII) American Integrity - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: (N/A)
Home, Condo, Flood, Umbrella, Boat
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 39.9% |
| Value at Risk 5%th | 61.5% |
| Relative Tail Risk | -6.43% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.79 |
| Alpha | 8.22 |
| CAGR/Max DD | 1.19 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.393 |
| Beta | 0.436 |
| Beta Downside | 0.902 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.42% |
| Mean DD | 4.42% |
| Median DD | 3.26% |
Description: AII American Integrity November 15, 2025
American Integrity Insurance Group, Inc. (NYSE:AII) is a property-and-casualty insurer focused on personal residential coverage. It writes policies for single-family homes, condominiums, vacant dwellings and investment properties across Florida, Georgia, and South Carolina, and also offers ancillary products such as umbrella, cyber, flood and boat insurance. The firm was founded in 2006 and is headquartered in Tampa, Florida.
As of the most recent filing, AII reported written premiums of roughly $1.1 billion for 2023, with a combined ratio of 92.5%-indicating underwriting profitability but leaving room for improvement relative to the industry median (~89%). The company’s loss ratio hovered around 68%, while its investment income benefited from a rising interest-rate environment, contributing about 15% of total earnings. Key sector drivers include the frequency of Atlantic hurricane activity, which can sharply affect loss experience in its core Florida market, and the broader reinsurance pricing cycle, which influences cost structures for property insurers.
For a deeper dive into AII’s valuation metrics and scenario analysis, the ValueRay platform provides a granular, data-driven breakdown that can help you assess the stock’s risk-adjusted upside.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (72.8m TTM) > 0 and > 6% of Revenue (6% = 15.8m TTM) |
| FCFTA 0.16 (>2.0%) and ΔFCFTA 9.04pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 75.14% (prev 387.8%; Δ -312.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.17 (>3.0%) and CFO 240.7m > Net Income 72.8m (YES >=105%, WARN >=100%) |
| Net Debt (-144.1m) to EBITDA (42.9m) ratio: -3.36 <= 3.0 (WARN <= 3.5) |
| Current Ratio 152.6 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (19.6m) change vs 12m ago -0.03% (target <= -2.0% for YES) |
| Gross Margin 81.78% (prev 39.26%; Δ 42.51pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 22.92% (prev 23.30%; Δ -0.38pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.89 (EBITDA TTM 42.9m / Interest Expense TTM -48.3m) >= 6 (WARN >= 3) |
Altman Z'' 1.83
| (A) 0.14 = (Total Current Assets 199.0m - Total Current Liabilities 1.30m) / Total Assets 1.43b |
| (B) 0.15 = Retained Earnings (Balance) 208.3m / Total Assets 1.43b |
| (C) 0.04 = EBIT TTM 42.9m / Avg Total Assets 1.15b |
| (D) 0.19 = Book Value of Equity 210.1m / Total Liabilities 1.12b |
| Total Rating: 1.83 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 77.49
| 1. Piotroski 5.50pt |
| 2. FCF Yield 72.73% |
| 3. FCF Margin 89.55% |
| 4. Debt/Equity 0.00 |
| 5. Debt/Ebitda -3.36 |
| 6. ROIC - WACC (= 4.79)% |
| 7. RoE 30.15% |
| 8. Rev. Trend 78.55% |
| 9. EPS Trend -97.78% |
What is the price of AII shares?
As of December 08, 2025, the stock is trading at USD 19.79 with a total of 233,031 shares traded.
Over the past week, the price has changed by -4.35%, over one month by -20.87%, over three months by +1.12% and over the past year by +17.10%.
Over the past week, the price has changed by -4.35%, over one month by -20.87%, over three months by +1.12% and over the past year by +17.10%.
Is AII a buy, sell or hold?
American Integrity has no consensus analysts rating.
What are the forecasts/targets for the AII price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 25 | 26.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 20.9 | 5.7% |
AII Fundamental Data Overview November 24, 2025
Market Cap USD = 468.0m (468.0m USD * 1.0 USD.USD)
P/E Trailing = 6.1783
P/E Forward = 8.285
P/S = 1.7995
P/B = 1.4659
Beta = None
Revenue TTM = 263.1m USD
EBIT TTM = 42.9m USD
EBITDA TTM = 42.9m USD
Long Term Debt = 721.0k USD (from longTermDebt, last quarter)
Short Term Debt = 412.0k USD (from shortTermDebt, last fiscal year)
Debt = 721.0k USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -144.1m USD (from netDebt column, last quarter)
Enterprise Value = 323.9m USD (468.0m + Debt 721.0k - CCE 144.8m)
Interest Coverage Ratio = -0.89 (Ebit TTM 42.9m / Interest Expense TTM -48.3m)
FCF Yield = 72.73% (FCF TTM 235.6m / Enterprise Value 323.9m)
FCF Margin = 89.55% (FCF TTM 235.6m / Revenue TTM 263.1m)
Net Margin = 27.68% (Net Income TTM 72.8m / Revenue TTM 263.1m)
Gross Margin = 81.78% ((Revenue TTM 263.1m - Cost of Revenue TTM 47.9m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 61.36%)
Tobins Q-Ratio = 0.23 (Enterprise Value 323.9m / Total Assets 1.43b)
Interest Expense / Debt = -6698 % (Interest Expense -48.3m / Debt 721.0k)
Taxrate = 29.88% (5.61m / 18.8m)
NOPAT = 30.1m (EBIT 42.9m * (1 - 29.88%))
Current Ratio = 152.6 (out of range, set to none) (Total Current Assets 199.0m / Total Current Liabilities 1.30m)
Debt / Equity = 0.00 (Debt 721.0k / totalStockholderEquity, last quarter 315.9m)
Debt / EBITDA = -3.36 (Net Debt -144.1m / EBITDA 42.9m)
Debt / FCF = -0.61 (Net Debt -144.1m / FCF TTM 235.6m)
Total Stockholder Equity = 241.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.08% (Net Income 72.8m / Total Assets 1.43b)
RoE = 30.15% (Net Income TTM 72.8m / Total Stockholder Equity 241.6m)
RoCE = 17.71% (EBIT 42.9m / Capital Employed (Equity 241.6m + L.T.Debt 721.0k))
RoIC = 12.41% (NOPAT 30.1m / Invested Capital 242.4m)
WACC = 7.62% (E(468.0m)/V(468.7m) * Re(7.63%) + (debt cost/tax rate unavailable))
Discount Rate = 7.63% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -0.03%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈166.8m ; Y1≈205.8m ; Y5≈351.1m
Fair Price DCF = 305.1 (DCF Value 5.97b / Shares Outstanding 19.6m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -97.78 | EPS CAGR: -94.70% | SUE: N/A | # QB: 0
Revenue Correlation: 78.55 | Revenue CAGR: 25.14% | SUE: N/A | # QB: 0
EPS next Year (2026-12-31): EPS=2.75 | Chg30d=+0.023 | Revisions Net=+3 | Growth EPS=-43.3% | Growth Revenue=+25.6%
P/E Trailing = 6.1783
P/E Forward = 8.285
P/S = 1.7995
P/B = 1.4659
Beta = None
Revenue TTM = 263.1m USD
EBIT TTM = 42.9m USD
EBITDA TTM = 42.9m USD
Long Term Debt = 721.0k USD (from longTermDebt, last quarter)
Short Term Debt = 412.0k USD (from shortTermDebt, last fiscal year)
Debt = 721.0k USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -144.1m USD (from netDebt column, last quarter)
Enterprise Value = 323.9m USD (468.0m + Debt 721.0k - CCE 144.8m)
Interest Coverage Ratio = -0.89 (Ebit TTM 42.9m / Interest Expense TTM -48.3m)
FCF Yield = 72.73% (FCF TTM 235.6m / Enterprise Value 323.9m)
FCF Margin = 89.55% (FCF TTM 235.6m / Revenue TTM 263.1m)
Net Margin = 27.68% (Net Income TTM 72.8m / Revenue TTM 263.1m)
Gross Margin = 81.78% ((Revenue TTM 263.1m - Cost of Revenue TTM 47.9m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 61.36%)
Tobins Q-Ratio = 0.23 (Enterprise Value 323.9m / Total Assets 1.43b)
Interest Expense / Debt = -6698 % (Interest Expense -48.3m / Debt 721.0k)
Taxrate = 29.88% (5.61m / 18.8m)
NOPAT = 30.1m (EBIT 42.9m * (1 - 29.88%))
Current Ratio = 152.6 (out of range, set to none) (Total Current Assets 199.0m / Total Current Liabilities 1.30m)
Debt / Equity = 0.00 (Debt 721.0k / totalStockholderEquity, last quarter 315.9m)
Debt / EBITDA = -3.36 (Net Debt -144.1m / EBITDA 42.9m)
Debt / FCF = -0.61 (Net Debt -144.1m / FCF TTM 235.6m)
Total Stockholder Equity = 241.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.08% (Net Income 72.8m / Total Assets 1.43b)
RoE = 30.15% (Net Income TTM 72.8m / Total Stockholder Equity 241.6m)
RoCE = 17.71% (EBIT 42.9m / Capital Employed (Equity 241.6m + L.T.Debt 721.0k))
RoIC = 12.41% (NOPAT 30.1m / Invested Capital 242.4m)
WACC = 7.62% (E(468.0m)/V(468.7m) * Re(7.63%) + (debt cost/tax rate unavailable))
Discount Rate = 7.63% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -0.03%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈166.8m ; Y1≈205.8m ; Y5≈351.1m
Fair Price DCF = 305.1 (DCF Value 5.97b / Shares Outstanding 19.6m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -97.78 | EPS CAGR: -94.70% | SUE: N/A | # QB: 0
Revenue Correlation: 78.55 | Revenue CAGR: 25.14% | SUE: N/A | # QB: 0
EPS next Year (2026-12-31): EPS=2.75 | Chg30d=+0.023 | Revisions Net=+3 | Growth EPS=-43.3% | Growth Revenue=+25.6%
Additional Sources for AII Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle