AMERICAN INTEGRITY INSURANCE (AII) Fundamental Analysis & Valuation

NYSE:AII • US0269481091

Current stock price

18.85 USD
-0.14 (-0.74%)
At close:
19 USD
+0.15 (+0.8%)
After Hours:

This AII fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. AII Profitability Analysis

1.1 Basic Checks

  • AII had positive earnings in the past year.
  • In the past year AII had a positive cash flow from operations.
AII Yearly Net Income VS EBIT VS OCF VS FCFAII Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2023 2024 2025 50M 100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 7.95%, AII belongs to the top of the industry, outperforming 89.12% of the companies in the same industry.
  • With an excellent Return On Equity value of 28.91%, AII belongs to the best of the industry, outperforming 91.16% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 8.03%, AII belongs to the top of the industry, outperforming 84.35% of the companies in the same industry.
  • AII had an Average Return On Invested Capital over the past 3 years of 5.29%. This is below the industry average of 9.51%.
  • The 3 year average ROIC (5.29%) for AII is below the current ROIC(8.03%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 7.95%
ROE 28.91%
ROIC 8.03%
ROA(3y)5.11%
ROA(5y)N/A
ROE(3y)26.43%
ROE(5y)N/A
ROIC(3y)5.29%
ROIC(5y)N/A
AII Yearly ROA, ROE, ROICAII Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • The Profit Margin of AII (35.24%) is better than 95.24% of its industry peers.
  • AII's Operating Margin of 43.14% is amongst the best of the industry. AII outperforms 95.92% of its industry peers.
Industry RankSector Rank
OM 43.14%
PM (TTM) 35.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
AII Yearly Profit, Operating, Gross MarginsAII Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2023 2024 2025 10 20 30 40

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4

2. AII Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AII is destroying value.
  • Compared to 1 year ago, AII has about the same amount of shares outstanding.
  • Compared to 1 year ago, AII has an improved debt to assets ratio.
AII Yearly Shares OutstandingAII Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 2025 5M 10M 15M
AII Yearly Total Debt VS Total AssetsAII Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • The Debt to FCF ratio of AII is 0.00, which is an excellent value as it means it would take AII, only 0.00 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.00, AII belongs to the top of the industry, outperforming 95.24% of the companies in the same industry.
  • AII has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
  • AII has a better Debt to Equity ratio (0.00) than 91.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.9
WACC8.93%
AII Yearly LT Debt VS Equity VS FCFAII Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2023 2024 2025 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AII Yearly Current Assets VS Current LiabilitesAII Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 2025 5M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. AII Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 191.06% over the past year.
  • Looking at the last year, AII shows a very strong growth in Revenue. The Revenue has grown by 35.53%.
EPS 1Y (TTM)191.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)35.53%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • Based on estimates for the next years, AII will show a decrease in Earnings Per Share. The EPS will decrease by -5.46% on average per year.
  • The Revenue is expected to grow by 27.54% on average over the next years. This is a very strong growth
EPS Next Y-46.76%
EPS Next 2Y-23.89%
EPS Next 3Y-14.59%
EPS Next 5Y-5.46%
Revenue Next Year38.16%
Revenue Next 2Y27.54%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

AII Yearly Revenue VS EstimatesAII Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2025 2026 2027 100M 200M 300M 400M
AII Yearly EPS VS EstimatesAII Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2028 2029 2030 1 2 3 4 5

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7

4. AII Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 3.63, which indicates a rather cheap valuation of AII.
  • Compared to the rest of the industry, the Price/Earnings ratio of AII indicates a rather cheap valuation: AII is cheaper than 83.67% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.50, AII is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.62, the valuation of AII can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AII indicates a somewhat cheap valuation: AII is cheaper than 75.51% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.62, AII is valued rather cheaply.
Industry RankSector Rank
PE 3.63
Fwd PE 6.62
AII Price Earnings VS Forward Price EarningsAII Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 96.60% of the companies in the same industry are more expensive than AII, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, AII is valued cheaply inside the industry as 82.99% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.77
EV/EBITDA 1.36
AII Per share dataAII EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • A cheap valuation may be justified as AII's earnings are expected to decrease with -14.59% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-23.89%
EPS Next 3Y-14.59%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. AII Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.20%, AII is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.37, AII pays a better dividend. On top of this AII pays more dividend than 87.07% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, AII pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.2%

5.2 History

  • AII does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
AII Yearly Dividends per shareAII Yearly Dividends per shareYearly Dividends per share 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

DPN/A
EPS Next 2Y-23.89%
EPS Next 3Y-14.59%
AII Yearly Income VS Free CF VS DividendAII Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2023 2024 2025 50M 100M

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AII Fundamentals: All Metrics, Ratios and Statistics

AMERICAN INTEGRITY INSURANCE

NYSE:AII (4/22/2026, 8:07:23 PM)

After market: 19 +0.15 (+0.8%)

18.85

-0.14 (-0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-24
Earnings (Next)N/A
Inst Owners59.49%
Inst Owner Change1.83%
Ins Owners17.07%
Ins Owner Change-20.86%
Market Cap369.08M
Revenue(TTM)276.49M
Net Income(TTM)97.43M
Analysts80
Price Target26.01 (37.98%)
Short Float %1.96%
Short Ratio1.67
Dividend
Industry RankSector Rank
Dividend Yield 5.2%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date03-16
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)24.34%
Min EPS beat(2)10.73%
Max EPS beat(2)37.95%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.98%
Min Revenue beat(2)-6.45%
Max Revenue beat(2)-3.51%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-5.56%
PT rev (3m)-5.56%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)0.92%
EPS NY rev (1m)1.08%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.31%
Revenue NY rev (1m)2.7%
Revenue NY rev (3m)9.59%
Valuation
Industry RankSector Rank
PE 3.63
Fwd PE 6.62
P/S 1.33
P/FCF 2.77
P/OCF 2.67
P/B 1.1
P/tB 1.1
EV/EBITDA 1.36
EPS(TTM)5.19
EY27.53%
EPS(NY)2.85
Fwd EY15.11%
FCF(TTM)6.8
FCFY36.08%
OCF(TTM)7.06
OCFY37.44%
SpS14.12
BVpS17.21
TBVpS17.21
PEG (NY)N/A
PEG (5Y)N/A
Graham Number44.833 (137.84%)
Profitability
Industry RankSector Rank
ROA 7.95%
ROE 28.91%
ROCE 9.76%
ROIC 8.03%
ROICexc 9.63%
ROICexgc 22.01%
OM 43.14%
PM (TTM) 35.24%
GM N/A
FCFM 48.17%
ROA(3y)5.11%
ROA(5y)N/A
ROE(3y)26.43%
ROE(5y)N/A
ROIC(3y)5.29%
ROIC(5y)N/A
ROICexc(3y)6.14%
ROICexc(5y)N/A
ROICexgc(3y)17.94%
ROICexgc(5y)N/A
ROCE(3y)6.43%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0.01
Cap/Depr 220.04%
Cap/Sales 1.81%
Interest Coverage 4417.89
Cash Conversion 113.68%
Profit Quality 136.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.93%
ROIC/WACC0.9
Cap/Depr(3y)109.27%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.94%
Cap/Sales(5y)N/A
Profit Quality(3y)233.71%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)191.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y-46.76%
EPS Next 2Y-23.89%
EPS Next 3Y-14.59%
EPS Next 5Y-5.46%
Revenue 1Y (TTM)35.53%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year38.16%
Revenue Next 2Y27.54%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y133.71%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-9.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.2%
OCF growth 3YN/A
OCF growth 5YN/A

AMERICAN INTEGRITY INSURANCE / AII Fundamental Analysis FAQ

What is the ChartMill fundamental rating of AMERICAN INTEGRITY INSURANCE (AII) stock?

ChartMill assigns a fundamental rating of 5 / 10 to AII.


What is the valuation status for AII stock?

ChartMill assigns a valuation rating of 7 / 10 to AMERICAN INTEGRITY INSURANCE (AII). This can be considered as Undervalued.


Can you provide the profitability details for AMERICAN INTEGRITY INSURANCE?

AMERICAN INTEGRITY INSURANCE (AII) has a profitability rating of 5 / 10.


Can you provide the expected EPS growth for AII stock?

The Earnings per Share (EPS) of AMERICAN INTEGRITY INSURANCE (AII) is expected to decline by -46.76% in the next year.