American Integrity Insurance Group, Inc. (AII)
NYSE:AII
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AII Stock Chart & Stats
$19.62
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Market closed
$19.62
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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
$331.67M
Enterprise Value$154.54M
Total Cash (Recent Filing)$171.18M
Total Debt (Recent Filing)$515.00K
Price to Earnings (P/E)4.7
Beta0.55
Next Earnings
Aug 18, 2026EPS Estimate
0.9Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.38
Shares Outstanding19,590,816
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 Cap0.47
Enterprise Value/Revenue0.52
Enterprise Value/Gross Profit0.81
Enterprise Value/Ebitda1.52
Forecast
1Y Price Target
$25.00Price Target Upside27.42% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)2.8
Revenue Forecast (FY)$965.95M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetExtremely low debt and a large equity base (~$337M) give AII durable financial flexibility. Strong ROE (mid-to-high 20s, ~29.6% in 2025) supports capital returns, reinsurance purchases and organic expansion without raising material external financing, lowering solvency and liquidity risk over the medium term.
Improved Profitability & MarginsMeaningful margin expansion and higher revenues reflect stronger underwriting results and supportive investment income. If driven by disciplined underwriting and scale benefits, these improvements can be durable, enhancing internal capital generation and funding growth while improving resilience to underwriting cycles in P&C.
Voluntary Policy Growth & Channel DiversificationSustained double-digit policy growth, ~83.6% retention and broad channel gains (alliances, builders, agents, national accounts) indicate scalable distribution and product-market fit. Diversified origination and geographic expansion reduce reliance on one source, supporting steady premium growth and underwriting scale over the next several quarters.
Bears Say
Rising Expense & Combined RatiosSharp increases in acquisition and G&A expenses alongside reduced ceding have materially raised reported expense and combined ratios. If structural (lower quota share, higher retention of commissions and expenses), elevated ratios could compress underwriting profitability until scale, pricing or reinsurance improvements offset higher retained costs.
Free Cash Flow VolatilityAlthough operating cash flow remained robust, a large year-over-year FCF decline signals cash conversion volatility. That variability can constrain discretionary capital deployment (dividends, buybacks, product expansion) and force external funding if underwriting or catastrophe costs spike, raising medium-term financial planning risk.
Lower Ceding / Growth HeadwindsReducing quota share increases retained exposure and profit potential but also raises near-term reported loss and expense volatility and capital at risk from catastrophes. Coupled with management's note that attractive Citizens takeouts are largely exhausted, AII faces a tougher path to low-cost growth and must rely on organic expansion and reinsurance markets to support durable earnings.
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 $331.67M.
When is American Integrity Insurance Group, Inc.’s upcoming earnings report date?
American Integrity Insurance Group, Inc.’s upcoming earnings report date is Aug 18, 2026 which is in 89 days.
How were American Integrity Insurance Group, Inc.’s earnings last quarter?
American Integrity Insurance Group, Inc. released its earnings results on May 12, 2026. The company reported $1.03 earnings per share for the quarter, beating the consensus estimate of $0.985 by $0.045.
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 0.9.
How many shares outstanding does American Integrity Insurance Group, Inc. have?
American Integrity Insurance Group, Inc. has 19,590,816 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 $1.03 in its last earnings report, beating expectations of $0.985. Following the earnings report the stock price went down -13.929%.
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:
$25.00 (27.42% Upside)
$25.00 (27.42% Upside)
Hedge Fund Trend
Increased
By 3.4K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 7.5%
Last 30 Days ▼ 7.5%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Fundamentals
Return on Equity
25.25%
Trailing 12-Months
Asset Growth
43.59%
Trailing 12-Months
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlights strong operational momentum: robust policy growth, broad-based channel expansion, rapid re‑entry into large Florida segments (Tri-County and middle-aged homes), geographic expansion, higher net premiums earned (+25.7%), and an improving reinsurance outlook for the June 1 renewal. Offsetting these positives are a sizable year-over-year decline in net income/EPS (impacted by prior-year Citizens takeout dynamics), notable increases in loss and expense metrics (loss ratio, expense ratio, combined ratio) driven by growth and a structural reduction in quota share ceding. Management positions many negatives as transitional or structural changes that support longer-term earnings power. Overall the call conveys confidence in durable, disciplined growth with anticipated reinsurance tailwinds, while acknowledging near-term earnings and expense headwinds.View all AII earnings summariesAII Stock 12 Month Forecast
Average Price Target
$25.00
▲(27.42% Upside)
Technical Analysis
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Ownership Overview
40.01% Insiders
12.85% Mutual Funds
19.32% Other Institutional Investors
21.37% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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