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AMERICAN INTEGRITY INSURANCE (AII) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:AII - US0269481091 - Common Stock

19.92 USD
+0.38 (+1.94%)
Last: 12/9/2025, 8:04:00 PM
19.92 USD
0 (0%)
After Hours: 12/9/2025, 8:04:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to AII. AII was compared to 147 industry peers in the Insurance industry. Both the profitability and financial health of AII have multiple concerns. AII has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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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

The Return On Assets of AII (2.39%) is comparable to the rest of the industry.
AII's Return On Equity of 12.60% is in line compared to the rest of the industry. AII outperforms 56.46% of its industry peers.
AII has a Return On Invested Capital (2.61%) which is comparable to the rest of the 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

AII has a better Profit Margin (18.64%) than 87.07% of its industry peers.
AII's Operating Margin of 25.02% is amongst the best of the industry. AII outperforms 87.76% 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

AII has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, AII has about the same amount of shares outstanding.
AII has a better debt/assets ratio than last year.
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

A Debt/Equity ratio of 0.00 indicates that AII is not too dependend on debt financing.
The Debt to Equity ratio of AII (0.00) is better than 90.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.3
WACC8.8%
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%.
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%125.28%
Revenue 1Y (TTM)1.49%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%42.66%

3.2 Future

AII is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.55% yearly.
The Revenue is expected to grow by 28.08% on average over the next years. This is a very strong growth
EPS Next Y172.33%
EPS Next 2Y19.19%
EPS Next 3Y15.7%
EPS Next 5Y13.55%
Revenue Next Year33.33%
Revenue Next 2Y30.41%
Revenue Next 3Y28.08%
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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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.27, the valuation of AII can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of AII is on the same level as its industry peers.
AII's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.28.
A Price/Forward Earnings ratio of 7.22 indicates a rather cheap valuation of AII.
Based on the Price/Forward Earnings ratio, AII is valued a bit cheaper than the industry average as 77.55% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, AII is valued rather cheaply.
Industry RankSector Rank
PE 10.27
Fwd PE 7.22
AII Price Earnings VS Forward Price EarningsAII Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AII indicates a rather cheap valuation: AII is cheaper than 89.80% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.3
AII Per share dataAII EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 15.70% in the coming years.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y19.19%
EPS Next 3Y15.7%

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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 (12/9/2025, 8:04:00 PM)

After market: 19.92 0 (0%)

19.92

+0.38 (+1.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-11 2025-11-11/amc
Earnings (Next)N/A N/A
Inst Owners44.74%
Inst Owner Change37.04%
Ins Owners18.59%
Ins Owner Change-22.93%
Market Cap390.03M
Revenue(TTM)204.00M
Net Income(TTM)38.03M
Analysts80
Price Target27.54 (38.25%)
Short Float %1.85%
Short Ratio0.97
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)4.85%
PT rev (3m)20%
EPS NQ rev (1m)25.75%
EPS NQ rev (3m)486.5%
EPS NY rev (1m)2.99%
EPS NY rev (3m)24.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.76%
Revenue NY rev (3m)5.79%
Valuation
Industry RankSector Rank
PE 10.27
Fwd PE 7.22
P/S 1.91
P/FCF N/A
P/OCF N/A
P/B 1.29
P/tB 1.29
EV/EBITDA 2.3
EPS(TTM)1.94
EY9.74%
EPS(NY)2.76
Fwd EY13.85%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.42
BVpS15.42
TBVpS15.42
PEG (NY)0.06
PEG (5Y)N/A
Graham Number25.94
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
WACC8.8%
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 Y172.33%
EPS Next 2Y19.19%
EPS Next 3Y15.7%
EPS Next 5Y13.55%
Revenue 1Y (TTM)1.49%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%42.66%
Revenue Next Year33.33%
Revenue Next 2Y30.41%
Revenue Next 3Y28.08%
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 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.


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

The Price/Earnings (PE) ratio for AMERICAN INTEGRITY INSURANCE (AII) is 10.27 and the Price/Book (PB) ratio is 1.29.


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 172.33% in the next year.