(AII) American Integrity - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US0269481091
Stock: Residential Property, Condo, Flood, Umbrella, Boat
Total Rating 33
Risk 35
Buy Signal -1.16
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 35.2% |
| Relative Tail Risk | -7.15% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.36 |
| Alpha | -1.02 |
| Character TTM | |
|---|---|
| Beta | 0.445 |
| Beta Downside | 0.697 |
| Drawdowns 3y | |
|---|---|
| Max DD | 30.16% |
| CAGR/Max DD | 0.37 |
Description: AII American Integrity January 18, 2026
American Integrity Insurance Group, Inc. (NYSE:AII) is a specialty property-and-casualty carrier that underwrites personal residential lines-including single-family homes, condos, vacant and investment properties-in Florida, Georgia, South Carolina and North Carolina. Its product suite also covers renters, manufactured homes, umbrella, cyber, flood, and niche assets such as golf carts and boats.
As of the most recent filing, AII reported net written premiums of roughly $540 million for 2023, a combined ratio of 92.5% (indicating underwriting profitability), and a return on equity near 12%, both above the industry median for regional insurers.
Key drivers of AII’s performance include: (1) the frequency and severity of Florida hurricanes, which directly affect loss ratios and reinsurance costs; (2) the state-level regulatory environment on rate approvals, which can constrain pricing flexibility; and (3) the broader macro-economic backdrop-particularly interest-rate trends that influence investment income on the company’s float.
For a deeper, data-rich analysis of AII’s valuation and risk profile, you may find the free tools on ValueRay worth a quick look.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 87.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.16 > 0.02 and ΔFCF/TA 9.04 > 1.0 |
| NWC/Revenue: 71.74% < 20% (prev 387.8%; Δ -316.1% < -1%) |
| CFO/TA 0.17 > 3% & CFO 240.7m > Net Income 87.2m |
| Net Debt (-144.1m) to EBITDA (98.8m): -1.46 < 3 |
| Current Ratio: 152.6 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.6m) vs 12m ago -0.05% < -2% |
| Gross Margin: 52.10% > 18% (prev 0.39%; Δ 5170 % > 0.5%) |
| Asset Turnover: 24.00% > 50% (prev 23.30%; Δ 0.70% > 0%) |
| Interest Coverage Ratio: -96.5k > 6 (EBITDA TTM 98.8m / Interest Expense TTM -1000 ) |
Altman Z'' 2.14
| A: 0.14 (Total Current Assets 199.0m - Total Current Liabilities 1.30m) / Total Assets 1.43b |
| B: 0.15 (Retained Earnings 208.3m / Total Assets 1.43b) |
| C: 0.08 (EBIT TTM 96.5m / Avg Total Assets 1.15b) |
| D: 0.19 (Book Value of Equity 210.1m / Total Liabilities 1.12b) |
| Altman-Z'' Score: 2.14 = BBB |
Beneish M 1.00
| DSRI: 0.11 (Receivables 54.2m/362.8m, Revenue 275.5m/200.9m) |
| GMI: 0.75 (GM 52.10% / 39.26%) |
| AQI: 69.24 (AQ_t 0.86 / AQ_t-1 0.01) |
| SGI: 1.37 (Revenue 275.5m / 200.9m) |
| TATA: -0.11 (NI 87.2m - CFO 240.7m) / TA 1.43b) |
| Beneish M-Score: 36.64 (Cap -4..+1) = D |
What is the price of AII shares?
As of February 07, 2026, the stock is trading at USD 18.29 with a total of 40,744 shares traded.
Over the past week, the price has changed by -2.14%, over one month by -9.41%, over three months by -26.34% and over the past year by +8.22%.
Over the past week, the price has changed by -2.14%, over one month by -9.41%, over three months by -26.34% and over the past year by +8.22%.
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 | 36.7% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 16.9 | -7.5% |
AII Fundamental Data Overview February 03, 2026
P/E Trailing = 6.1783
P/E Forward = 8.285
P/S = 1.7995
P/B = 1.4659
Revenue TTM = 275.5m USD
EBIT TTM = 96.5m USD
EBITDA TTM = 98.8m USD
Long Term Debt = 721.0k USD (from longTermDebt, last quarter)
Short Term Debt = 574.0k USD (from shortTermDebt, last quarter)
Debt = 1.75m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -144.1m USD (from netDebt column, last quarter)
Enterprise Value = 324.9m USD (468.0m + Debt 1.75m - CCE 144.8m)
Interest Coverage Ratio = -96.5k (Ebit TTM 96.5m / Interest Expense TTM -1000 )
EV/FCF = 1.38x (Enterprise Value 324.9m / FCF TTM 235.6m)
FCF Yield = 72.50% (FCF TTM 235.6m / Enterprise Value 324.9m)
FCF Margin = 85.50% (FCF TTM 235.6m / Revenue TTM 275.5m)
Net Margin = 31.63% (Net Income TTM 87.2m / Revenue TTM 275.5m)
Gross Margin = 52.10% ((Revenue TTM 275.5m - Cost of Revenue TTM 132.0m) / Revenue TTM)
Gross Margin QoQ = 42.11% (prev 63.13%)
Tobins Q-Ratio = 0.23 (Enterprise Value 324.9m / Total Assets 1.43b)
Interest Expense / Debt = -0.06% (Interest Expense -1000 / Debt 1.75m)
Taxrate = 29.89% (5.61m / 18.8m)
NOPAT = 67.7m (EBIT 96.5m * (1 - 29.89%))
Current Ratio = 152.6 (out of range, set to none) (Total Current Assets 199.0m / Total Current Liabilities 1.30m)
Debt / Equity = 0.01 (Debt 1.75m / totalStockholderEquity, last quarter 315.9m)
Debt / EBITDA = -1.46 (Net Debt -144.1m / EBITDA 98.8m)
Debt / FCF = -0.61 (Net Debt -144.1m / FCF TTM 235.6m)
Total Stockholder Equity = 241.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.59% (Net Income 87.2m / Total Assets 1.43b)
RoE = 36.08% (Net Income TTM 87.2m / Total Stockholder Equity 241.6m)
RoCE = 39.84% (EBIT 96.5m / Capital Employed (Equity 241.6m + L.T.Debt 721.0k))
RoIC = 27.92% (NOPAT 67.7m / Invested Capital 242.4m)
WACC = 7.53% (E(468.0m)/V(469.7m) * Re(7.56%) + D(1.75m)/V(469.7m) * Rd(-0.06%) * (1-Tc(0.30)))
Discount Rate = 7.56% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -0.05%
[DCF Debug] Terminal Value 82.80% ; FCFF base≈166.8m ; Y1≈205.8m ; Y5≈350.5m
Fair Price DCF = 341.5 (EV 6.54b - Net Debt -144.1m = Equity 6.68b / Shares 19.6m; r=7.53% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -97.19 | EPS CAGR: -97.84% | SUE: N/A | # QB: 0
Revenue Correlation: 82.14 | 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 Forward = 8.285
P/S = 1.7995
P/B = 1.4659
Revenue TTM = 275.5m USD
EBIT TTM = 96.5m USD
EBITDA TTM = 98.8m USD
Long Term Debt = 721.0k USD (from longTermDebt, last quarter)
Short Term Debt = 574.0k USD (from shortTermDebt, last quarter)
Debt = 1.75m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -144.1m USD (from netDebt column, last quarter)
Enterprise Value = 324.9m USD (468.0m + Debt 1.75m - CCE 144.8m)
Interest Coverage Ratio = -96.5k (Ebit TTM 96.5m / Interest Expense TTM -1000 )
EV/FCF = 1.38x (Enterprise Value 324.9m / FCF TTM 235.6m)
FCF Yield = 72.50% (FCF TTM 235.6m / Enterprise Value 324.9m)
FCF Margin = 85.50% (FCF TTM 235.6m / Revenue TTM 275.5m)
Net Margin = 31.63% (Net Income TTM 87.2m / Revenue TTM 275.5m)
Gross Margin = 52.10% ((Revenue TTM 275.5m - Cost of Revenue TTM 132.0m) / Revenue TTM)
Gross Margin QoQ = 42.11% (prev 63.13%)
Tobins Q-Ratio = 0.23 (Enterprise Value 324.9m / Total Assets 1.43b)
Interest Expense / Debt = -0.06% (Interest Expense -1000 / Debt 1.75m)
Taxrate = 29.89% (5.61m / 18.8m)
NOPAT = 67.7m (EBIT 96.5m * (1 - 29.89%))
Current Ratio = 152.6 (out of range, set to none) (Total Current Assets 199.0m / Total Current Liabilities 1.30m)
Debt / Equity = 0.01 (Debt 1.75m / totalStockholderEquity, last quarter 315.9m)
Debt / EBITDA = -1.46 (Net Debt -144.1m / EBITDA 98.8m)
Debt / FCF = -0.61 (Net Debt -144.1m / FCF TTM 235.6m)
Total Stockholder Equity = 241.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.59% (Net Income 87.2m / Total Assets 1.43b)
RoE = 36.08% (Net Income TTM 87.2m / Total Stockholder Equity 241.6m)
RoCE = 39.84% (EBIT 96.5m / Capital Employed (Equity 241.6m + L.T.Debt 721.0k))
RoIC = 27.92% (NOPAT 67.7m / Invested Capital 242.4m)
WACC = 7.53% (E(468.0m)/V(469.7m) * Re(7.56%) + D(1.75m)/V(469.7m) * Rd(-0.06%) * (1-Tc(0.30)))
Discount Rate = 7.56% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -0.05%
[DCF Debug] Terminal Value 82.80% ; FCFF base≈166.8m ; Y1≈205.8m ; Y5≈350.5m
Fair Price DCF = 341.5 (EV 6.54b - Net Debt -144.1m = Equity 6.68b / Shares 19.6m; r=7.53% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -97.19 | EPS CAGR: -97.84% | SUE: N/A | # QB: 0
Revenue Correlation: 82.14 | 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%