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AMERICAN INTEGRITY INSURANCE (AII) Stock Fundamental Analysis

NYSE:AII - US0269481091 - Common Stock

19.47 USD
+0.54 (+2.85%)
Last: 8/27/2025, 8:04:00 PM
Fundamental Rating

3

AII gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. AII has a medium profitability rating, but doesn't score so well on its financial health evaluation. AII is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

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

The Return On Assets of AII (3.35%) is better than 69.23% of its industry peers.
AII has a Return On Equity of 20.44%. This is amongst the best in the industry. AII outperforms 90.21% of its industry peers.
With a decent Return On Invested Capital value of 3.72%, AII is doing good in the industry, outperforming 72.03% 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

With an excellent Profit Margin value of 18.64%, AII belongs to the best of the industry, outperforming 89.51% 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 90.21% 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

2

2. Health

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 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 89.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.42
WACC8.89%
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

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

Based on estimates for the next years, AII will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.23% on average per year.
Based on estimates for the next years, AII will show a very strong growth in Revenue. The Revenue will grow by 24.93% on average per year.
EPS Next Y118.12%
EPS Next 2Y18.93%
EPS Next 3Y15.23%
EPS Next 5YN/A
Revenue Next Year26.04%
Revenue Next 2Y25.91%
Revenue Next 3Y24.93%
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

6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.04, which indicates a very decent valuation of AII.
Compared to the rest of the industry, the Price/Earnings ratio of AII indicates a somewhat cheap valuation: AII is cheaper than 65.03% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of AII to the average of the S&P500 Index (27.14), we can say AII is valued rather cheaply.
The Price/Forward Earnings ratio is 7.09, which indicates a rather cheap valuation of AII.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AII indicates a somewhat cheap valuation: AII is cheaper than 73.43% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.80, AII is valued rather cheaply.
Industry RankSector Rank
PE 10.04
Fwd PE 7.09
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

90.21% 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 2.7
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

AII's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as AII's earnings are expected to grow with 15.23% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y18.93%
EPS Next 3Y15.23%

0

5. Dividend

5.1 Amount

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

AMERICAN INTEGRITY INSURANCE

NYSE:AII (8/27/2025, 8:04:00 PM)

19.47

+0.54 (+2.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-12 2025-08-12/amc
Earnings (Next)N/A N/A
Inst Owners6.07%
Inst Owner ChangeN/A
Ins Owners18.58%
Ins Owner Change-3.05%
Market Cap381.03M
Analysts77.78
Price Target22.95 (17.87%)
Short Float %1.6%
Short Ratio1.05
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)7.14%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-4.02%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.53%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.04
Fwd PE 7.09
P/S 1.87
P/FCF N/A
P/OCF N/A
P/B 2.05
P/tB 2.05
EV/EBITDA 2.7
EPS(TTM)1.94
EY9.96%
EPS(NY)2.75
Fwd EY14.11%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.42
BVpS9.51
TBVpS9.51
PEG (NY)0.08
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
WACC8.89%
ROIC/WACC0.42
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 Y118.12%
EPS Next 2Y18.93%
EPS Next 3Y15.23%
EPS Next 5YN/A
Revenue 1Y (TTM)1.49%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year26.04%
Revenue Next 2Y25.91%
Revenue Next 3Y24.93%
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