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American Integrity Insurance Group, Inc. (AII)
NYSE:AII
AII Stock Chart & Stats
$20.36
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Market closed
$20.36
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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
$414.29M
Enterprise Value$209.20M
Total Cash (Recent Filing)$203.90M
Total Debt (Recent Filing)$618.00K
Price to Earnings (P/E)<0.1
Beta0.38
Next Earnings
Jun 15, 2026EPS Estimate
1.02Next 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 Cap0.50
Enterprise Value/Revenue0.76
Enterprise Value/Gross Profit1.17
Enterprise Value/Ebitda1.78
Forecast
1Y Price Target
$28.00Price Target Upside37.52% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)2.81
Revenue Forecast (FY)$919.39M
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthExtremely low debt and a large equity base provide durable financial flexibility for underwriting, reinsurance purchases, and capital returns. Strong equity growth since 2024 supports capacity to write risk and absorb reserve or catastrophe shocks without relying on leverage.
Underwriting ProfitabilityA materially improved combined ratio and higher net margins reflect sustained underwriting discipline and expense control. These durable improvements indicate the company can generate underwriting profits across underwriting cycles if discipline and risk selection persist.
Reinsurance & Capital ActionsLower quota share cessions and a successful IPO materially raise retained premium and capital capacity, structurally boosting future net revenue and earnings power. Owning more float while maintaining prudent event cover enhances long-term margin potential and strategic optionality.
Bears Say
High Florida ConcentrationAlmost all exposure concentrated in one state amplifies regulatory, hurricane and market-cycle risk. State-specific rate and takeout dynamics can materially swing underwriting results and capital needs, limiting resilience versus geographically diversified peers.
Cash-Flow VolatilityA large FCF decline despite strong earnings signals timing effects or higher cash demands; for an insurer this variability can constrain capital returns, reinsurance funding or opportunistic deployment during stressed periods, reducing strategic flexibility.
Dependence On Voluntary Growth Post-CitizensWith the easy pipeline of assumed Citizens policies largely exhausted, growth must come from more competitive voluntary channels. Sustaining prior growth rates without reinsurance-driven takeouts is structurally harder and may pressure acquisition margins or require more sales investment.
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 $414.29M.
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 104 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 1.02.
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 10.335%.
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
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$28.00 (37.52% Upside)
$28.00 (37.52% Upside)
Hedge Fund Trend
Increased
By 3.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $6.7M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 5.1%
Last 30 Days ▼ 5.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
$28.00
▲(37.52% Upside)
Technical Analysis
Ownership Overview
39.80% Insiders
10.03% Mutual Funds
7.60% Other Institutional Investors
37.36% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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