American Integrity Insurance Group, Inc. (AII)
NYSE:AII
AII Stock Chart & Stats
$18.59
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Market closed
$18.59
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Day’s Range― - ―
52-Week Range$15.78 - $26.36
Previous CloseN/A
VolumeN/A
Average Volume (3M)137.06K
Market Cap
$363.19M
Enterprise Value$160.69M
Total Cash (Recent Filing)$203.90M
Total Debt (Recent Filing)$618.00K
Price to Earnings (P/E)4.9
Beta0.38
Next Earnings
Jun 15, 2026EPS Estimate
0.99Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.11
Shares Outstanding19,579,008
10 Day Avg. Volume98,252
30 Day Avg. Volume137,064
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)1.07
Price to Sales (P/S)1.30
P/FCF Ratio2.70
Enterprise Value/Market Cap0.44
Enterprise Value/Revenue0.58
Enterprise Value/Gross Profit0.90
Enterprise Value/Ebitda1.37
Forecast
1Y Price Target
$27.00Price Target Upside45.24% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)2.82
Revenue Forecast (FY)$951.38M
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet & Strong CapitalExtremely low debt and a materially strengthened equity base provide durable financial flexibility. With sizeable equity and high ROE, the company can absorb underwriting volatility, fund reinsurance purchases, return capital and support disciplined growth without relying on external leverage.
Reinsurance / Quota-share Action Increases Retained RevenueCutting quota-share materially raises net retained premiums and improves margin leverage over time. This structural change boosts recurring earnings power, aligns incentives on underwriting quality, and improves capital efficiency as reinsurance pricing normalizes in 2026.
Sustained Underwriting Discipline And Margin ExpansionA materially improved combined ratio and higher margins reflect effective underwriting and expense control. If discipline persists, these operating improvements translate into sustainable high returns on capital and stronger ability to generate underwriting profits across cycles.
Bears Say
Extreme Florida Geographic ConcentrationHeavy concentration in Florida concentrates catastrophe, regulatory and pricing risk. A single-state exposure limits diversification benefits and can quickly strain capital and underwriting results after a major storm or adverse state regulatory action, a persistent structural vulnerability.
Year-to-year Cash-flow VolatilityLarge swings in free cash flow reduce predictability of internally funded growth, dividends and reinsurance spend. Even with strong operating cash in 2025, the pronounced year-over-year drop signals timing or reserve/reinsurance effects that can impair capital planning over the medium term.
Reduced Citizens Takeout Tailwind; Reliance On Voluntary GrowthWith the pipeline of assumed Citizens policies largely exhausted, the company must sustain higher-cost organic growth and expand cautiously into new segments or states. Building profitable voluntary production and geographic diversification takes time and can pressure growth and margins amid rising competition.
American Integrity Insurance Group, Inc. News
AII FAQ
What was American Integrity Insurance Group, Inc.’s price range in the past 12 months?
American Integrity Insurance Group, Inc. lowest stock price was $15.78 and its highest was $26.36 in the past 12 months.
What is American Integrity Insurance Group, Inc.’s market cap?
American Integrity Insurance Group, Inc.’s market cap is $363.19M.
When is American Integrity Insurance Group, Inc.’s upcoming earnings report date?
American Integrity Insurance Group, Inc.’s upcoming earnings report date is Jun 15, 2026 which is in 61 days.
How were American Integrity Insurance Group, Inc.’s earnings last quarter?
American Integrity Insurance Group, Inc. released its earnings results on Feb 24, 2026. The company reported $1.11 earnings per share for the quarter, beating the consensus estimate of $0.803 by $0.307.
Is American Integrity Insurance Group, Inc. overvalued?
According to Wall Street analysts American Integrity Insurance Group, Inc.’s price is currently Undervalued.
Does American Integrity Insurance Group, Inc. pay dividends?
American Integrity Insurance Group, Inc. does not currently pay dividends.
What is American Integrity Insurance Group, Inc.’s EPS estimate?
American Integrity Insurance Group, Inc.’s EPS estimate is 0.99.
How many shares outstanding does American Integrity Insurance Group, Inc. have?
American Integrity Insurance Group, Inc. has 19,579,008 shares outstanding.
What happened to American Integrity Insurance Group, Inc.’s price movement after its last earnings report?
American Integrity Insurance Group, Inc. reported an EPS of $1.11 in its last earnings report, beating expectations of $0.803. Following the earnings report the stock price went up 10.331%.
Which hedge fund is a major shareholder of American Integrity Insurance Group, Inc.?
Currently, no hedge funds are holding shares in AII
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
American Integrity Insurance Group, Inc. Stock Smart Score
Company Description
American Integrity Insurance Group, Inc.
American Integrity Insurance Group, Inc. is an insurance provider that offers a range of coverage options, including policies for homeowners, new home construction, vacant homes, condos, rental and seasonal dwellings, manufactured homes, and golf carts. The company also provides insurance for watercraft and services like binding arbitration.
AII Company Deck
AII Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted substantial execution and financial improvement: strong top-line growth, record underwriting profitability, large increases in adjusted net income and ROE, a successful IPO, and a special dividend. Management emphasized disciplined underwriting, organic voluntary growth, prudent reinsurance actions (including reducing quota share), and multiple strategic growth initiatives (Tri-County reentry, middle-aged homes, commercial residential, selective out-of-state expansion). Lowlights include high Florida concentration (97% of premium), completion of the large Citizens takeout phase increasing reliance on voluntary growth, modest near-term pressure from primary pricing (management cited ~5% portfolio rate decreases), a Q4 decline in gross written premium tied to fewer takeouts, and an expected modest increase in underlying non-cat losses as mix shifts toward older homes. On balance, positive operational momentum, materially improved profitability, and strengthened capital position outweigh the identified risks.View all AII earnings summariesAII Stock 12 Month Forecast
Average Price Target
$27.00
▲(45.24% Upside)
Technical Analysis
Ownership Overview
40.03% Insiders
10.68% Mutual Funds
20.21% Other Institutional Investors
23.69% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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