AMERICAN INTEGRITY INSURANCE (AII) Stock Fundamental Analysis

NYSE:AII • US0269481091

20.42 USD
-0.74 (-3.5%)
At close: Mar 3, 2026
20.42 USD
0 (0%)
After Hours: 3/3/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall AII gets a fundamental rating of 3 out of 10. We evaluated AII against 149 industry peers in the Insurance industry. Both the profitability and financial health of AII have multiple concerns. AII is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year AII was profitable.
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

  • AII has a better Return On Assets (2.65%) than 60.40% of its industry peers.
  • With a Return On Equity value of 12.04%, AII perfoms like the industry average, outperforming 58.39% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 2.89%, AII is in line with its industry, outperforming 56.38% of the companies in the same industry.
Industry RankSector Rank
ROA 2.65%
ROE 12.04%
ROIC 2.89%
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

  • With an excellent Profit Margin value of 18.64%, AII belongs to the best of the industry, outperforming 84.56% of the companies in the same industry.
  • With an excellent Operating Margin value of 25.02%, AII belongs to the best of the industry, outperforming 85.23% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AII is destroying value.
  • 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.
  • Looking at the Debt to Equity ratio, with a value of 0.00, AII belongs to the top of the industry, outperforming 90.60% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.33
WACC8.68%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.31% over the past year.
  • The Revenue has been growing slightly by 1.49% in the past year.
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

  • The Earnings Per Share is expected to grow by 13.55% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 28.41% on average over the next years. This is a very strong growth
EPS Next Y175.45%
EPS Next 2Y20.45%
EPS Next 3Y16.45%
EPS Next 5Y13.55%
Revenue Next Year33.33%
Revenue Next 2Y32.54%
Revenue Next 3Y28.41%
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.53, which indicates a very decent valuation of AII.
  • The rest of the industry has a similar Price/Earnings ratio as AII.
  • Compared to an average S&P500 Price/Earnings ratio of 26.83, AII is valued rather cheaply.
  • AII is valuated cheaply with a Price/Forward Earnings ratio of 7.25.
  • Based on the Price/Forward Earnings ratio, AII is valued a bit cheaper than the industry average as 73.83% of the companies are valued more expensively.
  • AII is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.95, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.53
Fwd PE 7.25
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

  • Based on the Enterprise Value to EBITDA ratio, AII is valued a bit cheaper than the industry average as 78.52% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.02
AII Per share dataAII EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 16.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y20.45%
EPS Next 3Y16.45%

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

4

5. Dividend

5.1 Amount

  • AII has a Yearly Dividend Yield of 4.82%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.49, AII pays a better dividend. On top of this AII pays more dividend than 80.54% of the companies listed in the same industry.
  • AII's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.82%

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 YearsN/A
Div Non Decr YearsN/A
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 2Y20.45%
EPS Next 3Y16.45%
AII Yearly Income VS Free CF VS DividendAII Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2023 2024 50M 100M

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Find the best dividend stocksShow peers with best dividend

AMERICAN INTEGRITY INSURANCE

NYSE:AII (3/3/2026, 8:04:00 PM)

After market: 20.42 0 (0%)

20.42

-0.74 (-3.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-24
Earnings (Next)N/A
Inst Owners44.7%
Inst Owner Change-5.35%
Ins Owners16.94%
Ins Owner Change-22.83%
Market Cap399.82M
Revenue(TTM)204.00M
Net Income(TTM)38.03M
Analysts80
Price Target27.54 (34.87%)
Short Float %1.06%
Short Ratio0.87
Dividend
Industry RankSector Rank
Dividend Yield 4.82%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date03-16
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.29%
Min EPS beat(2)10.73%
Max EPS beat(2)15.85%
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)-4.09%
Min Revenue beat(2)-6.45%
Max Revenue beat(2)-1.73%
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)0%
PT rev (3m)4.85%
EPS NQ rev (1m)-0.83%
EPS NQ rev (3m)6.58%
EPS NY rev (1m)1.14%
EPS NY rev (3m)-2.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.53
Fwd PE 7.25
P/S 1.96
P/FCF N/A
P/OCF N/A
P/B 1.27
P/tB 1.27
EV/EBITDA 5.02
EPS(TTM)1.94
EY9.5%
EPS(NY)2.82
Fwd EY13.8%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.42
BVpS16.13
TBVpS16.13
PEG (NY)0.06
PEG (5Y)N/A
Graham Number26.54
Profitability
Industry RankSector Rank
ROA 2.65%
ROE 12.04%
ROCE 3.57%
ROIC 2.89%
ROICexc 3.22%
ROICexgc 8.96%
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
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-ScoreN/A
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0.01
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
WACC8.68%
ROIC/WACC0.33
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 Y175.45%
EPS Next 2Y20.45%
EPS Next 3Y16.45%
EPS Next 5Y13.55%
Revenue 1Y (TTM)1.49%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year33.33%
Revenue Next 2Y32.54%
Revenue Next 3Y28.41%
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

AMERICAN INTEGRITY INSURANCE / AII FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to AII.


What is the valuation status for AII stock?

ChartMill assigns a valuation rating of 6 / 10 to AMERICAN INTEGRITY INSURANCE (AII). This can be considered as Fairly Valued.


How profitable is AMERICAN INTEGRITY INSURANCE (AII) stock?

AMERICAN INTEGRITY INSURANCE (AII) has a profitability rating of 3 / 10.


What is the valuation of AMERICAN INTEGRITY INSURANCE based on its PE and PB ratios?

The Price/Earnings (PE) ratio for AMERICAN INTEGRITY INSURANCE (AII) is 10.53 and the Price/Book (PB) ratio is 1.27.


Can you provide the financial health for AII stock?

The financial health rating of AMERICAN INTEGRITY INSURANCE (AII) is 2 / 10.