# American Integrity Insurance Group Inc. (AII) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $26.00, market value $509 million.

## Valuation
- **P/E (trailing): 6.1×** (5-yr avg 3.5×, 3-yr avg 3.5×). American Integrity Insurance Group Inc. trades at 6.1× trailing earnings, well above its own five-year average of 3.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.0×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.09**. A PEG of 0.09 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.5×**. Each dollar of revenue is priced at 1.5×.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 32.1%** (5-yr avg 39.2%). Free cash flow equals 32.1% of the market value, in line with its five-year average of 39.2%. Above 5% is generally attractive.
- **Earnings yield: 16.3%**. The inverse of the P/E: 16.3% of the price is earned each year.

## Profitability
- **Net margin: 36.0%**. 36.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 29.6%**. 29.6% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 7.2%**. Each dollar of assets produces 7.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 35.3%**. Revenue grew 35.3% over the last year.
- **EPS growth (1 yr): 91.5%**. Earnings per share rose 91.5%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $204 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. American Integrity Insurance Group Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover American Integrity Insurance Group Inc.; the consensus is buy, with an average price target of $27.00 (+4% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 39.8%** (YTD 31.8%, 3-mo 52.9%). The shares are up 39.8% over twelve months including dividends.
- **From 52-week high: -3.7%** (60.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 69**. An RSI of 69 is neutral.
- **Beta (1 yr): 0.18** (volatility 41%). Beta of 0.18 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=AII · Page: https://foliofundamentals.com/stocks/aii

Not investment advice.