American Integrity Insurance Group, Inc. (AII) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of American Integrity Insurance Group, Inc. stock $35.60, price $26.95, upside +32.1%, quality 80 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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American Integrity Insurance Group, Inc.
AII · USThe stock costs 24% less than our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
18‑month range $15.16 – $29.52 · fair‑value band $23.54 – $47.91 · the $26.95 price screens below the $35.60 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
American Integrity Insurance Group, Inc., together with its subsidiaries, operates as an insurance company in the United States.
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The company offers personal residential property insurance for single-family homeowners and condominium owners, as well as coverage for vacant dwellings and investment properties. It also provides manufactured home, commercial residential, dwelling property, and specialty insurance products.
In addition, the company offers optional endorsements that provide higher levels of standard coverage and optional coverage, such as personal injury, animal liability, identity recovery, and golf cart physical; and flood insurance products.
It distributes its products through the Voluntary Market, which includes partnerships with independent agents, national and regional insurance companies, homebuilder-affiliated agents, and direct-to-consumer channels.
American Integrity Insurance Group, Inc. was incorporated in 2006 and is headquartered in Tampa, Florida.
Stock analysis
American Integrity Insurance Group, Inc. (AII) currently trades at $26.95, while our model-based Fair Value estimate is $35.60, implying the stock looks roughly 24% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $45.09 per share, and 2 of the 6 models we run sit above the $26.95 price.
Bear case: the Asset-Based group reads lowest at $11.52, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $23.54 (bear) to $47.91 (bull), the price of $26.95 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 80/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
American Integrity Insurance Group, Inc. reported revenue of $276M in FY2025 versus $201M in FY2023, a compound +17.3%/yr. Reported net income was $99.6M in FY2025, compounding +62.3%/yr from FY2023.
Key figures
Market cap $571M Small · P/E ratio 6.1 · P/S ratio 1.70 · EPS (TTM) $4.42 · Net margin 26.2% · Return on equity 26.2% · Return on assets (EBIT) 6.3% (3-year average) · Operating margin 40.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 83 out of 100 (medium confidence).
What moves the price
The share trades about 9% below its 52-week high and 65% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at 32%, AII screens cheaper than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors bought shares worth $199,716, most recently on May 26, 2026. Over the same period, one person sold shares worth $17.5M. Buying cluster
- SaleRobert C RitchieChief Executive Officer, Director15× since Nov 21, 2025: 1,234,554 shares, avg. $22.37$27.6MOct 14, 2026
- BuySowell Investments Holding Co., LLC10% owner136,356 shares at $16.88$2.3MJun 9, 2026
- BuySteven B MathisDirector3,000 shares at $16.82$50,460May 26, 2026
- BuySteven E SmathersDirector2,900 shares at $16.99$49,271May 22, 2026
- BuyDavid Lewis ClarkChairman, Director5,830 shares at $17.15$99,985May 22, 2026
- SaleSowell Investments Holding Co., LLC10% owner295,037 shares at $19.00$5.6MDec 5, 2025
- SaleSteven E SmathersDirector171,800 shares at $19.00$3.3MNov 21, 2025
- SaleJames E Sowell10% owner2,353,200 shares at $19.00$44.7MNov 21, 2025
Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
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Compare American Integrity Insurance Group, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 100 stocks
Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Quality Score by industry
- Return on equity by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| The People's Insurance Company 601319 | ¥7.26 | ¥9.01 | +24% | vs AII |
| Fairfax Financial Holdings FFH | C$2,673 | C$3,076 | +15% | vs AII |
| The Allstate Corporation ALL | $254.81 | $290.52 | +14% | vs AII |
| Cincinnati Financial Corporation CINF | $185.48 | $144.19 | −22% | vs AII |
| The Progressive Corporation PGR | $227.77 | $160.75 | −29% | vs AII |
| Chubb Limited CB | $365.02 | $235.99 | −35% | vs AII |
| The Travelers Companies, Inc TRV | $395.20 | $254.84 | −36% | vs AII |
| Intact Financial Corporation IFC | C$276.00 | C$168.64 | −39% | vs AII |
| W. R. Berkley Corporation WRB | $75.23 | $43.28 | −42% | vs AII |
| QBE Insurance Group QBE | A$26.75 | A$13.41 | −50% | vs AII |
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Key figures of American Integrity Insurance Group, Inc.
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