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AMERICAN INTEGRITY INSURANCE (AII) Stock Fundamental Analysis

USA - NYSE:AII - US0269481091 - Common Stock

24 USD
+0.09 (+0.38%)
Last: 10/31/2025, 11:48:57 AM
Fundamental Rating

3

Overall AII gets a fundamental rating of 3 out of 10. We evaluated AII against 147 industry peers in the Insurance industry. AII has a bad profitability rating. Also its financial health evaluation is rather negative. AII is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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

With a Return On Assets value of 2.39%, AII perfoms like the industry average, outperforming 53.74% of the companies in the same industry.
AII's Return On Equity of 12.60% is fine compared to the rest of the industry. AII outperforms 61.22% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.61%, AII is in line with its industry, outperforming 53.74% of the companies in the same industry.
Industry RankSector Rank
ROA 2.39%
ROE 12.6%
ROIC 2.61%
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

Looking at the Profit Margin, with a value of 18.64%, AII belongs to the top of the industry, outperforming 89.12% of the companies in the same industry.
AII has a Operating Margin of 25.02%. This is amongst the best in the industry. AII outperforms 89.12% of its industry peers.
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 Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
The Debt to Equity ratio of AII (0.00) is better than 89.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.3
WACC8.71%
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%.
Looking at the last year, AII shows a small growth in Revenue. The Revenue has grown by 1.49% in the last year.
EPS 1Y (TTM)5.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%125.28%
Revenue 1Y (TTM)1.49%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%42.66%

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 15.83% on average per year.
The Revenue is expected to grow by 24.90% on average over the next years. This is a very strong growth
EPS Next Y164.48%
EPS Next 2Y19.33%
EPS Next 3Y15.83%
EPS Next 5YN/A
Revenue Next Year26.04%
Revenue Next 2Y25.84%
Revenue Next 3Y24.9%
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
AII Yearly EPS VS EstimatesAII Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.37 indicates a correct valuation of AII.
AII's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of AII to the average of the S&P500 Index (26.19), we can say AII is valued rather cheaply.
The Price/Forward Earnings ratio is 8.68, which indicates a very decent valuation of AII.
63.95% of the companies in the same industry are more expensive than AII, based on the Price/Forward Earnings ratio.
AII is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.37
Fwd PE 8.68
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 cheaply inside the industry as 84.35% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.88
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 15.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y19.33%
EPS Next 3Y15.83%

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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 (10/31/2025, 11:48:57 AM)

24

+0.09 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-12 2025-08-12/amc
Earnings (Next)N/A N/A
Inst Owners44.74%
Inst Owner Change0.15%
Ins Owners18.59%
Ins Owner Change-2.91%
Market Cap469.68M
Revenue(TTM)204.00M
Net Income(TTM)38.03M
Analysts80
Price Target23.46 (-2.25%)
Short Float %3.12%
Short Ratio2.4
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)2.22%
PT rev (3m)9.52%
EPS NQ rev (1m)407.36%
EPS NQ rev (3m)1446.21%
EPS NY rev (1m)12.91%
EPS NY rev (3m)16.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.53%
Valuation
Industry RankSector Rank
PE 12.37
Fwd PE 8.68
P/S 2.3
P/FCF N/A
P/OCF N/A
P/B 1.56
P/tB 1.56
EV/EBITDA 3.88
EPS(TTM)1.94
EY8.08%
EPS(NY)2.77
Fwd EY11.52%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.42
BVpS15.43
TBVpS15.43
PEG (NY)0.08
PEG (5Y)N/A
Graham Number25.95
Profitability
Industry RankSector Rank
ROA 2.39%
ROE 12.6%
ROCE 3.22%
ROIC 2.61%
ROICexc 3.12%
ROICexgc 11.54%
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
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 Turnover0.13
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
WACC8.71%
ROIC/WACC0.3
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%125.28%
EPS Next Y164.48%
EPS Next 2Y19.33%
EPS Next 3Y15.83%
EPS Next 5YN/A
Revenue 1Y (TTM)1.49%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%42.66%
Revenue Next Year26.04%
Revenue Next 2Y25.84%
Revenue Next 3Y24.9%
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 of AMERICAN INTEGRITY INSURANCE (AII) stock?

ChartMill assigns a valuation rating of 5 / 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.


Can you provide the PE and PB ratios for AII stock?

The Price/Earnings (PE) ratio for AMERICAN INTEGRITY INSURANCE (AII) is 12.37 and the Price/Book (PB) ratio is 1.56.


What is the earnings growth outlook for AMERICAN INTEGRITY INSURANCE?

The Earnings per Share (EPS) of AMERICAN INTEGRITY INSURANCE (AII) is expected to grow by 164.48% in the next year.