American Integrity Insurance Group, Inc. (AII) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
American Integrity Insurance Group, Inc. stock (AII) is currently trading at $19.08. American Integrity Insurance Group, Inc. PE ratio is 3.32. American Integrity Insurance Group, Inc. PS ratio (Price-to-Sales) is 1.33. Analyst consensus price target for AII is $25.75. WallStSmart rates AII as Moderate Buy.
- AII PE ratio analysis and historical PE chart
- AII PS ratio (Price-to-Sales) history and trend
- AII intrinsic value — DCF, Graham Number, EPV models
- AII stock price prediction 2025 2026 2027 2028 2029 2030
- AII fair value vs current price
- AII insider transactions and insider buying
- Is AII undervalued or overvalued?
- American Integrity Insurance Group, Inc. financial analysis — revenue, earnings, cash flow
- AII Piotroski F-Score and Altman Z-Score
- AII analyst price target and Smart Rating
American Integrity Insurance Group, Inc.
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AII Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · American Integrity Insurance Group, Inc. (AII)
AII trades at a significant discount to its Graham intrinsic value of $264.42, offering a 93% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
American Integrity Insurance Group, Inc. (AII) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/sales. Concerns around revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
American Integrity Insurance Group, Inc. (AII) Key Strengths (7)
Every $100 of shareholder equity generates $40 in profit
Keeps $43 of every $100 in revenue after operating costs
Earnings per share surging 70.10% year-over-year
Keeps $36 of every $100 in revenue as net profit
Paying $1.33 for every $1 of annual revenue
Trading at 1.09x book value, attractively priced
58.46% held by institutions, strong professional interest
Supporting Valuation Data
American Integrity Insurance Group, Inc. (AII) Areas to Watch (2)
Revenue growing slowly at 1.40% annually
Small-cap company with higher risk but more growth potential
American Integrity Insurance Group, Inc. (AII) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 7 register as strengths (avg 9.1/10) while 2 fall into concern territory (avg 3.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, EPS Growth. Valuation metrics including Price/Sales (1.33), Price/Book (1.09) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 39.90%, Operating Margin at 43.00%, Profit Margin at 36.00%. Growth metrics are encouraging with EPS Growth at 70.10%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap. Growth concerns include Revenue Growth at 1.40%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 39.90% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 1.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Return on Equity and Operating Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AII Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AII's Price-to-Sales ratio of 1.33x trades 19% below its historical average of 1.64x (6th percentile). The current valuation is 42% below its historical high of 2.28x set in Oct 2025, and 1% above its historical low of 1.32x in Jan 2026. Over the past 12 months, the PS ratio has compressed from ~1.6x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for American Integrity Insurance Group, Inc. (AII) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
American Integrity Insurance Group, Inc. operates as a stable business with moderate growth and solid fundamentals. Revenue reached 276M with 1% growth year-over-year. Profit margins are strong at 36.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 39.9% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 36.0% and operating margin of 43.0% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact American Integrity Insurance Group, Inc..
Bottom Line
American Integrity Insurance Group, Inc. offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 11:29:06 AM
About American Integrity Insurance Group, Inc.(AII)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
American Integrity Insurance Group, Inc. (AII) is a leading provider in the homeowners' and property insurance market, with a strong focus on Florida. The company excels in delivering innovative, customer-centric solutions that cater to the ever-changing demands of homeowners in a competitive insurance landscape. Leveraging advanced technology and data analytics, AII improves claims processing and underwriting precision, which enhances customer satisfaction and loyalty. As the demand for dependable insurance solutions grows, American Integrity's financial stability and strategic approach enable it to capture significant market opportunities, positioning the company for sustained growth and expanding market presence.