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American Integrity Insurance Group, Inc. AII

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26.95 USD -0.13 (-0.48%)

At closeNov 6, 2026, 7:17 PM EST

26.99 +0.04 +0.16%

After hours · Nov 6, 7:17 PM ET

26.12 Day range 27.30
16.36 52-week range 29.52
YTD
+29.38%
1 year
+8.54%

Financial health

Altman Z-Score

1.24 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A+5 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 3

Valuation

P/E 3.6×
FY 2023: 9.2×FY 2024: 8.7×FY 2025: 3.6×
FY 2023 5y median 8.7× FY 2025
P/S 1.3×
FY 2023: 1.6×FY 2024: 1.6×FY 2025: 1.3×
FY 2023 5y median 1.6× FY 2025
P/B 1.1×
FY 2023: 2.5×FY 2024: 2.0×FY 2025: 1.1×
FY 2023 5y median 2.0× FY 2025
P/FCF 2.7×
FY 2023: 5.2×FY 2024: 2.2×FY 2025: 2.7×
FY 2023 5y median 2.7× FY 2025
EV/EBITDA 1.3×
FY 2023: 6.0×FY 2024: 3.0×FY 2025: 1.3×
FY 2023 5y median 3.0× FY 2025
EV/Sales 0.6×
FY 2023: 1.4×FY 2024: 0.8×FY 2025: 0.6×
FY 2023 5y median 0.8× FY 2025
FCF Yield 37.1%
FY 2023: 19.2%FY 2024: 44.6%FY 2025: 37.1%
FY 2023 5y median 37.1% FY 2025

Profitability

Gross Margin 64.5%
FY 2023: 39.3%FY 2024: 40.1%FY 2025: 64.5%
FY 2023 5y median 40.1% FY 2025
Operating Margin 41.6%
FY 2023: 22.3%FY 2024: 25.0%FY 2025: 41.6%
FY 2023 5y median 25.0% FY 2025
Net Margin 36.0%
FY 2023: 18.8%FY 2024: 19.4%FY 2025: 36.0%
FY 2023 5y median 19.4% FY 2025
ROE 29.6%
FY 2023: 28.2%FY 2024: 24.5%FY 2025: 29.6%
FY 2023 5y median 28.2% FY 2025
ROIC 38.2%
FY 2023: 4.7%FY 2024: 3.6%FY 2025: 38.2%
FY 2023 5y median 4.7% FY 2025
ROA 8.1%
FY 2023: 4.4%FY 2024: 3.3%FY 2025: 8.1%
FY 2023 5y median 4.4% FY 2025

Growth (YoY)

Revenue 35.3%
FY 2023: 0.0%FY 2024: 1.7%FY 2025: 35.3%
FY 2023 FY 2025
Operating Income 125.4%
FY 2023: 0.0%FY 2024: 14.0%FY 2025: 125.4%
FY 2023 FY 2025
EPS (diluted) 191.2%
FY 2023: 0.0%FY 2024: 5.4%FY 2025: 191.2%
FY 2023 FY 2025
Free Cash Flow -9.8%
FY 2023: 0.0%FY 2024: 131.8%FY 2025: -9.8%
FY 2023 FY 2025

Financial Health

Current Ratio 92.9×
FY 2023: 12.7×FY 2024: 13.3×FY 2025: 92.9×
FY 2023 5y median 13.3× FY 2025
Quick Ratio 92.9×
FY 2023: 12.7×FY 2024: 13.3×FY 2025: 92.9×
FY 2023 5y median 13.3× FY 2025
Debt / Equity 0.0×
FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2023 5y median 0.0× FY 2025
Net Debt / EBITDA -1.7×
FY 2023: -1.2×FY 2024: -3.1×FY 2025: -1.7×
FY 2023 5y median -1.7× FY 2025
Interest Coverage 0.0×
FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2023 5y median 0.0× FY 2025

Dividends

Dividend Yield 6.4%
FY 2023: 0.6%FY 2024: 3.6%FY 2025: 6.4%
FY 2023 5y median 3.6% FY 2025
Payout Ratio 23.0%
FY 2023: 4.9%FY 2024: 30.3%FY 2025: 23.0%
FY 2023 5y median 23.0% FY 2025

Annual · latest fiscal year ends 2025-12-31