AII
BULLISH
$19.08
Live
American Integrity Insurance Group, Inc. · NYSE
Target $25.75
(+35.0%)
$15.78
52W Range
$26.36
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Mar 26, 2026
Market cap
$373.57M
P/E
3.41
ROE
39.9%
Profit margin
36.0%
Debt/Equity
0.0
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
87%
AII exhibits strong profitability and growth fundamentals, supported by a high Piotroski F-Score of 4 (stable), though the absence of an Altman Z-Score raises caution regarding long-term financial distress risk. The stock trades at a deeply discounted valuation relative to its intrinsic value, with a current price of $19.08 versus a Graham Number of $46.53 and an intrinsic value estimate of $164.91, suggesting significant undervaluation. Exceptional earnings growth (70.1% YoY, 148.5% Q/Q) and consistent earnings beats (70.58% average surprise) reinforce confidence in future performance. However, bearish insider activity and a lack of dividend yield introduce some caution despite strong technical momentum and analyst buy sentiment.
Key Strengths
Exceptional profitability with 36.03% profit margin and 39.90% ROE, indicating efficient capital deployment
Strong earnings growth (70.1% YoY, 148.5% Q/Q) and consistent earnings beats (70.58% average surprise)
Extremely low valuation: current price ($19.08) is a fraction of both Graham Number ($46.53) and intrinsic value ($164.91)
Zero debt (Debt/Equity = 0.00) and solid current ratio (1.48), indicating strong financial health
Analyst consensus is 'buy' with a target price of $25.75, implying upside potential of ~35%
Key Risks
No Altman Z-Score available, creating uncertainty about bankruptcy risk despite low leverage
Bearish insider sentiment: 5 sell transactions totaling $63.74M in value over 6 months, including large sales by CEOs and major shareholders
No dividend yield or payout history, limiting appeal to income-focused investors
Lack of cash flow and share count data (N/A) limits full assessment of liquidity and capital structure
Revenue growth is minimal (1.40% YoY), raising concerns about top-line expansion despite strong earnings
AI Fair Value Estimate
Based on comprehensive analysis
$164.91
+764.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
72
Strong
95
88
82
76
20
AI Verdict
Strong Buy
Key drivers: High intrinsic value relative to current price, Strong earnings growth and profitability, Zero debt and stable financial structure, Consistent earnings surprises and analyst buy rating
Confidence
87%
Value
95/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($19.08) is 88.7% below Graham Number ($46.53)
- Trading at 3.41x P/E vs. sector average of 30.35, indicating deep undervaluation
- Intrinsic value estimate ($164.91) implies massive upside potential
Watchpoints
- No PEG ratio available, limiting growth-adjusted valuation analysis
- Price/Sales of 1.35 is elevated relative to peers like BHFAM (0.95), suggesting potential overvaluation on revenue basis
Future
88/100
Ref Growth rates
Positives
- 70.1% YoY earnings growth and 148.5% Q/Q EPS growth indicate strong momentum
- Average earnings surprise of 70.58% over last 4 quarters reflects superior execution
- Target price of $25.75 implies 35% upside, supported by strong growth expectations
Watchpoints
- Revenue growth is only 1.40% YoY, suggesting limited top-line expansion
- No forward guidance or Q/Q revenue growth data available
Past
82/100
Ref Historical trends
Positives
- Piotroski F-Score of 4 indicates stable financial health with positive trends in profitability and efficiency
- Consistent earnings beats across 4 of last 5 quarters
- ROE of 39.90% is significantly above sector average of -2.73%
Watchpoints
- No historical cash flow or debt data available (N/A), limiting full historical assessment
- 52-week high of $26.36 suggests recent price volatility
Health
76/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity = 0.00, indicating no leverage risk
- Current ratio of 1.48 and quick ratio of 0.46 suggest adequate short-term liquidity
- Piotroski F-Score of 4 reflects stable financial condition
Watchpoints
- No Altman Z-Score available, which is a critical gap for assessing bankruptcy risk
- Low quick ratio (0.46) may indicate limited liquid asset buffer
Dividend
20/100
Ref Yield, Payout
Positives
- 0% payout ratio indicates no dividend burden on earnings
Watchpoints
- No dividend yield or payout history, limiting income appeal
- Dividend Strength score of 0/100 reflects complete absence of dividend policy
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$19.08
Analyst Target
$25.75
Upside/Downside
+35.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AII and closest competitors.
Updated 2026-03-25
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AII
American Integrity Insurance Group, Inc.
Primary
|
+19.2% | +19.2% | +19.2% | -5.9% | +13.9% | -0.4% |
|
FMAO
Farmers & Merchants Bancorp, Inc.
Peer
|
+31.1% | +31.6% | +20.5% | +14.3% | +7.6% | +5.4% |
|
BRBI
BRBI BR Partners S.A.
Peer
|
-37.0% | -37.0% | -37.0% | -37.0% | +6.4% | +5.7% |
|
BBCQ
Bleichroeder Acquisition Corp. II
Peer
|
+0.7% | +0.7% | +0.7% | +0.7% | -0.4% | 0.0% |
|
NEWT
NewtekOne, Inc.
Peer
|
-29.9% | +15.5% | +32.7% | +18.4% | +7.5% | +9.0% |
AII
American Integrity Insurance Group, Inc.
Primary
5Y
+19.2%
3Y
+19.2%
1Y
+19.2%
6M
-5.9%
1M
+13.9%
1W
-0.4%
FMA
Farmers & Merchants Bancorp, Inc.
Peer
5Y
+31.1%
3Y
+31.6%
1Y
+20.5%
6M
+14.3%
1M
+7.6%
1W
+5.4%
BRB
BRBI BR Partners S.A.
Peer
5Y
-37.0%
3Y
-37.0%
1Y
-37.0%
6M
-37.0%
1M
+6.4%
1W
+5.7%
BBC
Bleichroeder Acquisition Corp. II
Peer
5Y
+0.7%
3Y
+0.7%
1Y
+0.7%
6M
+0.7%
1M
-0.4%
1W
0.0%
NEW
NewtekOne, Inc.
Peer
5Y
-29.9%
3Y
+15.5%
1Y
+32.7%
6M
+18.4%
1M
+7.5%
1W
+9.0%
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
3.41
Forward P/E
6.31
PEG Ratio
N/A
P/B Ratio
1.11
P/S Ratio
1.35
EV/Revenue
0.55
EV/EBITDA
1.3
Market Cap
$373.57M
Profitability
Profit margins and return metrics
Profit Margin
36.03%
Operating Margin
43.01%
Gross Margin
56.79%
ROE
39.9%
ROA
5.93%
Growth
Revenue and earnings growth rates
Revenue Growth
+1.4%
Earnings Growth
+70.1%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+148.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.0
Low debt
Current Ratio
1.48
Good
Quick Ratio
0.46
Poor
Cash/Share
$11.34
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
30.7%
Total Assets
$1.2B
Liabilities
$0.9B
Equity
$0.3B
Debt/Equity
2.63x
Operating CF
$0.1B
Free Cash Flow
$0.1B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-11
$N/A
2026-02-24
$1.07
+38.4% surprise
2025-11-11
$0.67
+86.1% surprise
2025-08-12
$1.62
+87.3% surprise
Financial Services Sector Comparison
Comparing AII against 484 companies in the Financial Services sector
(87 bullish, 202 neutral, 195 bearish)
P/E Ratio
3.41
This Stock
vs
46.02
Sector Avg
-92.6%
(Discount)
Return on Equity (ROE)
39.9%
This Stock
vs
0.23%
Sector Avg
+17340.1%
(Excellent)
Profit Margin
36.03%
This Stock
vs
50.44%
Sector Avg
-28.6%
(Weaker)
Debt to Equity
0.0
This Stock
vs
1.37
Sector Avg
-99.8%
(Less Debt)
Revenue Growth
1.4%
This Stock
vs
37.35%
Sector Avg
-96.3%
(Slower)
Current Ratio
1.48
This Stock
vs
3.28
Sector Avg
-54.8%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AII
American Integrity...
|
BULLISH | $373.57M | 3.41 | 39.9% | 36.0% | $19.08 | |
|
FMAO
Farmers & Merchants Bancorp, Inc.
|
BULLISH | $375.1M | 11.23 | 9.4% | 27.9% | $27.28 | Compare |
|
BRBI
BRBI BR Partners S.A.
|
BEARISH | $377.72M | 10.74 | 20.9% | -% | $14.39 | Compare |
|
BBCQ
Bleichroeder Acquisition Corp. II
|
BEARISH | $384.1M | - | -% | -% | $10.02 | Compare |
|
NEWT
NewtekOne, Inc.
|
NEUTRAL | $362.82M | 5.76 | 17.4% | 15.8% | $12.56 | Compare |
AII
American...
BULLISH
Mkt Cap
$374M
P/E
3.4
ROE
39.9%
Price
$19.08
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-02 | RITCHIE JON P | President | Stock Award | 11,814 | - |
| 2026-03-02 | CLARK DAVID LEWIS | Chairman of the Board | Stock Award | 9,451 | - |
| 2026-03-02 | LURIE BENJAMIN A | Chief Financial Officer | Stock Award | 3,166 | - |
| 2026-03-02 | RITCHIE ROBERT C | Chief Executive Officer | Stock Award | 19,706 | - |
| 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 |
RITCHIE JON P
President
2026-03-02
11,814 shares
CLARK DAVID LEWIS
Chairman of the Board
2026-03-02
9,451 shares
LURIE BENJAMIN A
Chief Financial Officer
2026-03-02
3,166 shares
RITCHIE ROBERT C
Chief Executive Officer
2026-03-02
19,706 shares
CSISZAR ERNST N
Director
2025-12-31
735 shares
MATHIS STEVEN B
Director
2025-12-31
735 shares
SMATHERS STEVEN E
Director
2025-12-31
735 shares
SOWELL JAMES E
Beneficial Owner of more than 10% of a Class of Security
2025-12-05
295,037 shares
·
$5,605,703
RITCHIE ROBERT C
Chief Executive Officer
2025-12-05
59,554 shares
·
$1,131,526
RITCHIE JON P
President
2025-12-04
11,719 shares
CLARK DAVID LEWIS
Chairman of the Board
2025-12-04
9,375 shares
LURIE BENJAMIN A
Chief Financial Officer
2025-12-04
3,516 shares
RITCHIE ROBERT C
Chief Executive Officer
2025-12-04
22,266 shares
SOWELL JAMES E
Beneficial Owner of more than 10% of a Class of Security
2025-11-21
2,353,200 shares
·
$44,710,800
SMATHERS STEVEN E
Director
2025-11-21
171,800 shares
·
$3,264,200
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
2026-03-09
Outperform
Outperform
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
Past News Coverage
Recent headlines mentioning AII from our newsroom.
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No matching news yet.