AII Stock Analysis: American Integrity | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 497m USD | 12M Return: 41.1% | US0269481091 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.22M
Qual. Beats: 1
Rev. Trend: 88.9%
Warnings
Tailwinds
Seasonality
American Integrity Insurance Group, Inc. (AII) is a property and casualty insurer. The company primarily offers personal residential property insurance, a core segment within the insurance industry.
AIIs product offerings include coverage for single-family homes, condominiums, vacant dwellings, and investment properties. The company also provides a range of specialized insurance products such as flood, cyber, and umbrella policies. This diversified product portfolio is common among insurers seeking to capture various market segments.
AII operates in Florida, Georgia, South Carolina, and North Carolina. The company was founded in 2006 and is headquartered in Tampa, Florida. Further analysis on AIIs performance and market position can be found on ValueRay.
- Florida hurricane activity impacts underwriting profitability
- Reinsurance costs pressure profit margins
- Catastrophe bond market conditions affect capital
- Regulatory changes influence policy pricing
- Investment income fluctuates with interest rates
| Net Income: 88.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA -3.16 > 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 (-310.3m) to EBITDA (124.0m): -2.50 < 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 August 25, 2026, the stock is trading at USD 26.15 with a total of 288,154 shares traded. Over the past week, the price has changed by +4.56%, over one month by +40.06%, over three months by +57.06% and over the past year by +41.07%.
Current recommended Stop Loss: 24.90 (which is 4.8% or 1.3 ATR below the current price).
American Integrity has no consensus analysts rating.
P/E Trailing = 5.9929
P/E Forward = 6.9252
P/S = 1.4774
P/B = 1.3442
Revenue TTM = 336.2m USD
EBIT TTM = 121.7m USD
EBITDA TTM = 124.0m USD
Long Term Debt = 618k USD (from longTermDebt, last fiscal year)
Short Term Debt = 326k USD (from shortTermDebt, last quarter)
Debt = 33.6m USD (corrected: LT Debt 618k + ST Debt 326k) + Leases 32.7m
Net Debt = -310.3m USD (calculated: Debt 33.6m - CCE 343.9m)
Enterprise Value = 186.4m USD (496.7m + Debt 33.6m - CCE 343.9m)
Interest Coverage Ratio = unknown (Ebit TTM 121.7m / Interest Expense TTM 0.0)
EV/FCF = 1.11x (Enterprise Value 186.4m / FCF TTM 168.1m)
FCF Yield = 90.18% (FCF TTM 168.1m / Enterprise Value 186.4m)
FCF Margin = 50.00% (FCF TTM 168.1m / 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 = 0.12 (Enterprise Value 186.4m / Total Assets 1.61b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 33.6m)
Taxrate = 27.64% (33.6m / 121.7m)
NOPAT = 88.1m (EBIT 121.7m * (1 - 27.64%))
Current Ratio = 0.52 (Total Current Assets 403.0m / Total Current Liabilities 780.4m)
Debt / Equity = 0.09 (Debt 33.6m / totalStockholderEquity, last quarter 369.5m)
Debt / EBITDA = -2.50 (Net Debt -310.3m / EBITDA 124.0m)
Debt / FCF = -1.85 (Net Debt -310.3m / FCF TTM 168.1m)
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 = 35.79% (EBIT 121.7m / Capital Employed (Equity 339.5m + L.T.Debt 618k))
RoIC = 5.53% (NOPAT 88.1m / Invested Capital 1.59b)
WACC = 5.75% (E(496.7m)/V(530.3m) * Re(6.14%) + D(33.6m)/V(530.3m) * Rd(0.0%) * (1-Tc(0.28)))
Discount Rate = 6.14% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -5.90 | Cagr: 0.01%
[DCF] Terminal Value 73.10% ; FCFF base≈187.4m ; Y1≈164.3m ; Y5≈132.8m
[DCF] Fair Price = 124.6 (EV 2.13b - Net Debt -310.3m = Equity 2.44b / 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=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=3.77 | Chg30d=+34.70% | Revisions=-17% | GrowthEPS=-36.9% | GrowthRev=+52.1%
EPS next Year (2027-12-31): EPS=3.24 | Chg30d=+7.58% | Revisions=-50% | GrowthEPS=-13.9% | GrowthRev=+23.0%
[Analyst] Revisions Ratio: -36% (up=2, down=6)