American Integrity Insurance Group, Inc. (AII) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of American Integrity Insurance Group, Inc. $34.53, price $24.97, upside +38.3%, quality 78 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
17‑month range $15.16 – $26.77 · fair‑value band $25.04 – $47.91 · the $24.97 price screens below the $34.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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American Integrity Insurance Group, Inc., together with its subsidiaries, operates as an insurance company in the United States. The company offers personal residential property insurance for single-family homeowners and condominium owners, as well as coverage for vacant dwellings and investment properties.
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American Integrity Insurance Group, Inc., together with its subsidiaries, operates as an insurance company in the United States. 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 $24.97, while our model-based Fair Value estimate is $34.53, implying the stock looks roughly 27.7% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $41.38 per share, and 2 of the 4 models we run sit above the $24.97 price.
Bear case: the Asset-Based group reads lowest at $11.52, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $25.04 (bear) to $47.91 (bull), the price of $24.97 sits below 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 78/100 (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 $489M · P/E ratio 5.9 · P/S ratio 2.13 · EPS (TTM) $4.23 · Net margin 36.0% · Return on equity 26.2% · Return on assets (EBIT) 6.3% · Operating margin 40.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (medium confidence).
What moves the price
The share trades about 7% below its 52-week high and 53% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −12% fair-value upside, at 38%, AII screens cheaper than that median.
Fair Value models
Bear $25.04Fair Value $34.53Bull $47.91
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($3.09 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−29.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+18.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −31.2% a year for the price and +15.3% for the forecasts.
Compare American Integrity Insurance Group, Inc. with another stock
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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 · 119 stocks
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Cite: Fair Value Calculator (2026). "American Integrity Insurance Group, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/AII
Frequently asked questions
Is American Integrity Insurance Group, Inc. (AII) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $34.53 versus a price of $24.97, about +38% upside (undervalued).
What is the fair value of AII?
Our model-based fair value for American Integrity Insurance Group, Inc. is $34.53 (as of Sep 23, 2026), built from audited fundamentals. The current price: $24.97.
What is the quality score of AII?
American Integrity Insurance Group, Inc. has a Quality Score of 78/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for American Integrity Insurance Group, Inc. (AII)?
Our model-based price target is the fair value of $34.53 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $25.04, optimistic scenario $47.91. It is a calculation from audited fundamentals, not an analyst target.
What is the American Integrity Insurance Group, Inc. stock forecast for 2026?
Our models put fair value at $34.53, about +38% upside versus a price of $24.97 (undervalued). Cautious scenario $25.04, optimistic scenario $47.91. The calculation is refreshed regularly with new filings.
What is the revenue of American Integrity Insurance Group, Inc. (AII)?
American Integrity Insurance Group, Inc. reported trailing-twelve-month revenue of about $336M (latest available figure, as of Sep 23, 2026).
What growth is priced into American Integrity Insurance Group, Inc. (AII)?
For today's price to be fair in a discounted-cash-flow model, American Integrity Insurance Group, Inc. would have to grow free cash flow by -29.6 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 2 years revenue grew +17.3 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of AII use?
Our models discount American Integrity Insurance Group, Inc. at 11.2 %: a base by market capitalisation (small), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For American Integrity Insurance Group, Inc. that is -29.6 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has American Integrity Insurance Group, Inc. (AII) delivered so far?
Over the past 2 years revenue at American Integrity Insurance Group, Inc. grew +17.3 % a year. The price currently implies -29.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of American Integrity Insurance Group, Inc. (AII) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into American Integrity Insurance Group, Inc. (-29.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of American Integrity Insurance Group, Inc. (AII)?
The free-cash-flow yield on the price is 27.23 %: that much free cash flow American Integrity Insurance Group, Inc. produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of American Integrity Insurance Group, Inc. (AII)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For American Integrity Insurance Group, Inc. it is $34.53 per share (as of Sep 23, 2026), against a price of $24.97. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is American Integrity Insurance Group, Inc. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, AII trades below its calculated fair value: price $24.97, fair value $34.53, a gap of about +38% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AII?
No. The price is what the market pays today ($24.97); the fair value is what the company's own numbers justify ($34.53). For American Integrity Insurance Group, Inc. the two are $9.56 per share apart. That gap is exactly why we show both numbers side by side.
How much is American Integrity Insurance Group, Inc. worth?
The market values American Integrity Insurance Group, Inc. at about $489M (market capitalisation, as of Sep 23, 2026). Per share that is $24.97; our models calculate a fair value of $34.53 per share.
What do the bullish and bearish scenarios say about AII?
Our models span a range for American Integrity Insurance Group, Inc.: cautious scenario $25.04, base $34.53, optimistic $47.91 per share (as of Sep 23, 2026, price $24.97). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AII?
American Integrity Insurance Group, Inc. trades at a price-to-earnings ratio of 5.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $34.53 is built from several models across several years. Other multiples: P/B 1.5, P/S 1.5, EV/EBITDA 2.3.
How solid is the balance sheet of American Integrity Insurance Group, Inc. (AII)?
Balance-sheet figures for American Integrity Insurance Group, Inc. (as of Sep 23, 2026): return on equity 26.2%, debt of 0.00 per unit of equity. They feed the Quality Score of 78/100, which measures business quality independently of the share price.
How far is AII from its 52-week high?
American Integrity Insurance Group, Inc. trades at $24.97, about 7% below its 52-week high of $26.77 and 53% above the low of $16.36 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $34.53 is for.
Which stocks are comparable to American Integrity Insurance Group, Inc.?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is American Integrity Insurance Group, Inc. stock attractive at the current price?
The data as of Sep 23, 2026: price $24.97, calculated fair value $34.53 (+38%), Quality Score 78/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AII calculated?
We run American Integrity Insurance Group, Inc. through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $34.53, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. American Integrity Insurance Group, Inc. currently trades 38 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of American Integrity Insurance Group, Inc. (AII)?
The closing price on Sep 23, 2026 was $24.97. Our model-based fair value is $34.53, about +38% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with American Integrity Insurance Group, Inc. right now?
The rarer combination: high quality (78/100) AND below fair value. That earns a closer look rather than a quick verdict. A fairly wide model range ($25.04 to $47.91) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of American Integrity Insurance Group, Inc.
How large is the market capitalisation of American Integrity Insurance Group, Inc. (AII)?
The market capitalisation of American Integrity Insurance Group, Inc. is $489M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of American Integrity Insurance Group, Inc. (AII)?
The price-to-sales ratio of American Integrity Insurance Group, Inc. is 2.13 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of American Integrity Insurance Group, Inc. (AII)?
Earnings per share at American Integrity Insurance Group, Inc. are $4.23 (price ÷ EPS = P/E 5.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of American Integrity Insurance Group, Inc. (AII)?
The net margin of American Integrity Insurance Group, Inc. is 36.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of American Integrity Insurance Group, Inc. (AII)?
The return on equity (ROE) of American Integrity Insurance Group, Inc. is 26.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of American Integrity Insurance Group, Inc. (AII)?
On an EBIT basis the return on assets of American Integrity Insurance Group, Inc. is 6.3% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of American Integrity Insurance Group, Inc. (AII)?
The operating margin of American Integrity Insurance Group, Inc. is 40.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at American Integrity Insurance Group, Inc. (AII)?
Revenue at American Integrity Insurance Group, Inc. is growing +54.6% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at American Integrity Insurance Group, Inc. (AII)?
Earnings per share at American Integrity Insurance Group, Inc. are growing +7.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does American Integrity Insurance Group, Inc. (AII) hold?
American Integrity Insurance Group, Inc. holds more cash than debt, $203M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 23, 2026