AII American Integrity Insurance Group, Inc. - Fundamental Analysis
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AII Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Insurance - Property & Casualty
Current Price
Live
$18.5
Analyst Target
$27.0
+45.9%
Upside
52W High
$26.36
52W Low
$15.78
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$362.17M
P/E
4.28
ROE
N/A
Profit margin
31.6%
Debt/Equity
0.01
Dividend yield
N/A
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a mixed picture: the Piotroski F-Score of 4/9 indicates borderline financial health, while the absence of an Altman Z-Score limits distress risk assessment. Despite strong profitability and growth metrics—evidenced by 31.63% profit margin and 103% YoY earnings growth—the stock trades below the analyst target of $27.00 but above the Graham Number of $39.6, suggesting overvaluation on a defensive basis. Bearish insider activity, declining technical trend, and weak recent quarterly momentum temper otherwise positive fundamentals. The market appears conflicted, balancing strong operating performance against structural concerns and negative sentiment signals.
Key Strengths
Exceptionally high profit margin (31.63%) and operating margin (30.27%) indicate strong underwriting discipline and cost control
Robust revenue growth of 33.30% YoY outpaces sector average of 31.01%, signaling competitive market positioning
Very low debt/equity ratio of 0.01 reflects conservative capital structure and minimal leverage risk
Earnings growth of 103% YoY and 191.7% Q/Q demonstrates explosive recent profitability expansion
Analyst recommendation consensus is 'buy' with a $27.00 target price, implying ~46% upside
Key Risks
Piotroski F-Score of 4/9 indicates weak financial health, potentially signaling instability despite surface-level strength
Altman Z-Score is unavailable, creating a critical blind spot in bankruptcy risk assessment
Insider selling of $63.74M in the last 6 months, including CEO and major shareholders, suggests lack of confidence at the top
Technical trend score of 0/100 and recent price decline (-10.8% over 1M) reflect strong bearish momentum
Most recent Q/Q EPS growth is -58.6%, indicating a sharp reversal in earnings trajectory despite prior strength
AI Fair Value Estimate
Based on comprehensive analysis
$39.6
+114.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
46
Moderate
45
70
55
40
20
AI Verdict
Neutral with upside potential if execution improves and sentiment stabilizes
Key drivers: High profitability and growth metrics, Low leverage enhancing financial flexibility, Bearish insider activity and weak technical trend, Low Piotroski score indicating financial fragility, Analyst optimism offsetting internal caution
Confidence
65%
Value
45/100
Ref P/E, PEG, Graham Number
Positives
- Low P/E of 4.28 vs sector average of 30.79 suggests undervaluation on earnings basis
Watchpoints
- Current price ($18.50) is below Graham Number ($39.6), indicating significant overvaluation on a defensive value basis
- Price/Book of 1.15 is modest but not compelling given low Piotroski score
Future
70/100
Ref Growth rates
Positives
- Revenue growth (33.30% YoY) and earnings growth (103% YoY) are well above sector averages
- Q/Q earnings growth of 191.70% shows explosive recent acceleration
Watchpoints
- Most recent Q/Q EPS growth is -58.6%, indicating a sharp deceleration
- Forward P/E of 6.76 implies higher expected earnings but lacks confirmation from Altman or ROE data
Past
55/100
Ref Historical trends
Positives
- 3 out of 4 quarters beat estimates with an average surprise of +58.62%
- Historical price performance shows consistent 9.5% return over 1Y, 3Y, and 5Y
Watchpoints
- 1-month return of -10.8% and 1-week decline of -1.8% show recent underperformance
- Lack of 50-day and 200-day moving averages limits trend confirmation
Health
40/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity of 0.01 indicates minimal financial leverage risk
- Current ratio of 1.53 suggests adequate short-term liquidity
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Altman Z-Score is missing, creating a critical gap in distress risk evaluation
- Quick ratio of 0.32 is very low, indicating potential liquidity stress if receivables are not collected
Dividend
20/100
Ref Yield, Payout
Positives
- Payout ratio of 0.00% provides full retention of earnings for reinvestment
Watchpoints
- Dividend Strength score of 0/100 and no yield indicate no income return for investors
- No dividend history or policy transparency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$18.5
Analyst Target
$27.0
Upside/Downside
+45.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AII and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AII
American Integrity Insurance Group, Inc.
Primary
|
+9.5% | +9.5% | +9.5% | +6.8% | -10.8% | -1.8% |
|
BKT
BlackRock Income Trust, Inc.
Peer
|
-9.0% | +10.1% | +5.1% | -0.4% | +1.3% | +0.3% |
|
AWP
abrdn Global Premier Properties Fund
Peer
|
+21.9% | +28.7% | +9.6% | +5.5% | 0.0% | -1.8% |
|
BRBI
BRBI BR Partners S.A.
Peer
|
-37.0% | -37.0% | -37.0% | -37.0% | +6.4% | +5.7% |
|
AVBC
Avidia Bancorp, Inc.
Peer
|
+17.7% | +17.7% | +17.7% | +17.7% | -0.1% | -0.6% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
4.28
Forward P/E
6.76
PEG Ratio
N/A
P/B Ratio
1.15
P/S Ratio
1.31
EV/Revenue
0.7
EV/EBITDA
1.94
Market Cap
$362.17M
Profitability
Profit margins and return metrics
Profit Margin
31.63%
Operating Margin
30.27%
Gross Margin
52.1%
ROE
N/A
ROA
N/A
Growth
Revenue and earnings growth rates
Revenue Growth
+33.3%
Earnings Growth
+103.0%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+191.7%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.01
Low debt
Current Ratio
1.53
Good
Quick Ratio
0.32
Poor
Cash/Share
$8.78
Quarterly Earnings History
EPS performance vs analyst estimates
2026-03-26
$N/A
2025-11-11
$0.67
+86.1% surprise
2025-08-12
$1.62
+87.3% surprise
2025-06-09
$2.92
+2.5% surprise
Financial Services Sector Comparison
Comparing AII against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
4.28
This Stock
vs
30.38
Sector Avg
-85.9%
(Discount)
Profit Margin
31.63%
This Stock
vs
83.86%
Sector Avg
-62.3%
(Weaker)
Debt to Equity
0.01
This Stock
vs
1.51
Sector Avg
-99.6%
(Less Debt)
Revenue Growth
33.3%
This Stock
vs
30.29%
Sector Avg
+10.0%
(Growing)
Current Ratio
1.53
This Stock
vs
3.78
Sector Avg
-59.4%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AII
American Integrity...
|
NEUTRAL | $362.17M | 4.28 | -% | 31.6% | $18.5 | |
|
BKT
BlackRock Income Trust, Inc.
|
BEARISH | $358.55M | 12.44 | 7.2% | 135.2% | $11.07 | |
|
AWP
abrdn Global Premier...
|
BEARISH | $349.39M | 55.57 | 1.8% | 54.6% | $3.89 | |
|
BRBI
BRBI BR Partners S.A.
|
BEARISH | $377.72M | 10.74 | 20.9% | -% | $14.39 | |
|
AVBC
Avidia Bancorp, Inc.
|
BEARISH | $345.91M | - | -% | -6.4% | $17.23 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-31 | CSISZAR ERNST N | Director | Stock Award | 735 | - |
| 2025-12-31 | MATHIS STEVEN B | Director | Stock Award | 735 | - |
| 2025-12-31 | SMATHERS STEVEN E | Director | Stock Award | 735 | - |
| 2025-12-05 | SOWELL JAMES E | Beneficial Owner of more than 10% of a Class of Security | Sale | 295,037 | $5,605,703 |
| 2025-12-05 | RITCHIE ROBERT C | Chief Executive Officer | Sale | 59,554 | $1,131,526 |
| 2025-12-04 | RITCHIE JON P | President | Stock Award | 11,719 | - |
| 2025-12-04 | CLARK DAVID LEWIS | Chairman of the Board | Stock Award | 9,375 | - |
| 2025-12-04 | LURIE BENJAMIN A | Chief Financial Officer | Stock Award | 3,516 | - |
| 2025-12-04 | RITCHIE ROBERT C | Chief Executive Officer | Stock Award | 22,266 | - |
| 2025-11-21 | SOWELL JAMES E | Beneficial Owner of more than 10% of a Class of Security | Sale | 2,353,200 | $44,710,800 |
| 2025-11-21 | SMATHERS STEVEN E | Director | Sale | 171,800 | $3,264,200 |
| 2025-11-21 | RITCHIE ROBERT C | Chief Executive Officer | Sale | 475,000 | $9,025,000 |
| 2025-09-30 | CSISZAR ERNST N | Director | Stock Award | 727 | - |
| 2025-09-30 | MATHIS STEVEN B | Director | Stock Award | 727 | - |
| 2025-09-30 | SMATHERS STEVEN E | Director | Stock Award | 727 | - |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
4 analysts
Keefe, Bruyette & Woods
2025-11-18
Outperform
Outperform
Citizens
2025-11-17
Market Outperform
Market Outperform
JMP Securities
2025-10-14
Market Outperform
Market Outperform
Keefe, Bruyette & Woods
2025-10-06
Outperform
Outperform
Piper Sandler
2025-10-06
Overweight
Overweight
Raymond James
2025-09-22
Outperform
Outperform
Raymond James
2025-08-18
Outperform
Outperform
Past News Coverage
Recent headlines mentioning AII from our newsroom.
Newest → oldest
No matching news yet.