American Integrity Insurance Group, Inc.
$16.59
-1.0%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.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 2.9).
Valuation inputs: P/E 2.9, earnings yield +34.8%, momentum -1.0%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is strong (ROE +29.6%, ROIC +38.2%).
Profitability stack: net margin +36.0%, ROE +29.6%, ROIC +38.2%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +72.5%, momentum -1.0%, net margin +36.0%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
American Integrity Insurance Group, Inc. Market vs Earnings Trajectory
Loading price and EPS data...
American Integrity Insurance Group, Inc. Fair Value Envelope
American Integrity Insurance Group, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
American Integrity Insurance Group, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
American Integrity Insurance Group, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.
American Integrity Insurance Group, Inc. Street Expectations Map
Wall Street analysts project that AII stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 28.00, with estimates ranging from a low of 28.00 to a high of 28.00.
The consensus 1-year price target stands at 28.00, with estimates ranging from a low of 28.00 to a high of 28.00.
Analyst Consensus Analysis
Upside Potential
Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Rare opportunity: Exceptional upside potential with strong analyst consensus creates a compelling setup. The combination of significant price target premium and tight agreement suggests high-conviction undervaluation that may attract institutional capital.
American Integrity Insurance Group, Inc. Insider Positioning
During the last 12 months, insiders have purchased $200K and sold $63.74M worth of AII shares, resulting in $63.54M of net selling activity.
3 Months
11.7K
199.71K
0
0.00
+200K
+$200K
3-6 Months
0
0.00
0
0.00
+0
+$0
6-9 Months
0
0.00
3.4M
63.74M
-63.7M
-$63.74M
9-12 Months
0
0.00
0
0.00
+0
+$0
Top Buyers
Clark David Lewis
Director, Officer: Chairman
$100K
Mathis Steven B
Director
$50K
Smathers Steven E
Director
$49K
Top Sellers
Sowell James E
10 Percent Owner
$50.32M
Ritchie Robert C
Director, 10 Percent Owner, Officer: Chief Executive Officer
$10.16M
Smathers Steven E
Director
$3.26M
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $63.54M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
3 insider buyers and 3 sellers. Equal participation suggests mixed or neutral insider views.
aii Dividend History
Learning Layer
Related Guides
Build conviction on AII by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.