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AMERICAN INTEGRITY INSURANCE (AII) Stock Fundamental Analysis

NYSE:AII - New York Stock Exchange, Inc. - US0269481091 - Common Stock - Currency: USD

17.34  +0.1 (+0.58%)

After market: 17.34 0 (0%)

Fundamental Rating

3

AII gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. There are concerns on the financial health of AII while its profitability can be described as average. AII is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

AII had positive earnings in the past year.
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 50M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 3.35%, AII is in the better half of the industry, outperforming 73.79% of the companies in the same industry.
Looking at the Return On Equity, with a value of 20.44%, AII belongs to the top of the industry, outperforming 91.72% of the companies in the same industry.
With a decent Return On Invested Capital value of 3.72%, AII is doing good in the industry, outperforming 73.10% of the companies in the same industry.
Industry RankSector Rank
ROA 3.35%
ROE 20.44%
ROIC 3.72%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
AII Yearly ROA, ROE, ROICAII Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2023 2024 5 10 15 20 25

1.3 Margins

The Profit Margin of AII (18.64%) is better than 86.90% of its industry peers.
Looking at the Operating Margin, with a value of 25.02%, AII belongs to the top of the industry, outperforming 89.66% of the companies in the same industry.
Industry RankSector Rank
OM 25.02%
PM (TTM) 18.64%
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 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

The number of shares outstanding for AII remains at a similar level compared to 1 year ago.
Compared to 1 year ago, AII has an improved debt to assets ratio.
AII Yearly Shares OutstandingAII Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 5M 10M 15M
AII Yearly Total Debt VS Total AssetsAII Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

AII has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of AII (0.00) is better than 88.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
AII Yearly LT Debt VS Equity VS FCFAII Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2023 2024 50M 100M 150M

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 5M 10M

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4

3. Growth

3.1 Past

AII shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.31%.
AII shows a small growth in Revenue. In the last year, the Revenue has grown by 1.49%.
EPS 1Y (TTM)5.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)1.49%
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 quite strong growth in Earnings Per Share. The EPS will grow by 16.97% on average per year.
The Revenue is expected to grow by 28.36% on average over the next years. This is a very strong growth
EPS Next Y126.84%
EPS Next 2Y20.11%
EPS Next 3Y16.97%
EPS Next 5YN/A
Revenue Next Year25.39%
Revenue Next 2Y29.64%
Revenue Next 3Y28.36%
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 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

AII is valuated reasonably with a Price/Earnings ratio of 8.94.
Based on the Price/Earnings ratio, AII is valued a bit cheaper than 71.03% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.30, AII is valued rather cheaply.
AII is valuated cheaply with a Price/Forward Earnings ratio of 6.19.
Based on the Price/Forward Earnings ratio, AII is valued a bit cheaper than the industry average as 74.48% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of AII to the average of the S&P500 Index (21.76), we can say AII is valued rather cheaply.
Industry RankSector Rank
PE 8.94
Fwd PE 6.19
AII Price Earnings VS Forward Price EarningsAII Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

91.72% of the companies in the same industry are more expensive than AII, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.89
AII Per share dataAII EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AII's earnings are expected to grow with 16.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y20.11%
EPS Next 3Y16.97%

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0

5. Dividend

5.1 Amount

AII does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AMERICAN INTEGRITY INSURANCE

NYSE:AII (7/11/2025, 8:04:00 PM)

After market: 17.34 0 (0%)

17.34

+0.1 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners17.92%
Ins Owner Change-3.05%
Market Cap339.34M
Analysts80
Price Target22.44 (29.41%)
Short Float %N/A
Short Ratio1.72
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 8.94
Fwd PE 6.19
P/S 1.66
P/FCF N/A
P/OCF N/A
P/B 1.82
P/tB 1.82
EV/EBITDA 1.89
EPS(TTM)1.94
EY11.19%
EPS(NY)2.8
Fwd EY16.16%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.42
BVpS9.5
TBVpS9.5
PEG (NY)0.07
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.35%
ROE 20.44%
ROCE 4.58%
ROIC 3.72%
ROICexc 4.72%
ROICexgc 16.54%
OM 25.02%
PM (TTM) 18.64%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg 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-ScoreN/A
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0.02
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y126.84%
EPS Next 2Y20.11%
EPS Next 3Y16.97%
EPS Next 5YN/A
Revenue 1Y (TTM)1.49%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year25.39%
Revenue Next 2Y29.64%
Revenue Next 3Y28.36%
Revenue Next 5YN/A
EBIT growth 1Y14.04%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y131.78%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y131.09%
OCF growth 3YN/A
OCF growth 5YN/A