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American Integrity Insurance Group (AII) Fair Value & Analysis

Financial Services · US · Market cap $329M

AI American Integrity Insurance Group logo American Integrity Insurance Group AII · US
Price$17.70
Fair Value$35.40
Upside+100.0%
Quality87/100
Evidence: Medium Range $26.55 – $44.25

Fair value as of: Jun 26, 2026

From 24 valuation models · updated 3 days ago

Fair value updated Jun 26, 2026 — revised from $35.92 to $35.40 (−1.4%) since Jun 25, 2026. Share price +16.8% over the past month.

Price vs Fair Value (12 months)

$22.98 $14.82 Fair Value $35.40 Jun 2025 Jun 2026

12‑month range $14.82 – $22.98 · fair‑value band $26.55 – $44.25 · the $17.70 price screens below the $35.40 fair value. As of Jun 26, 2026.

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Analysis

American Integrity Insurance Group (AII) currently trades at $17.70, while our model-based Fair Value estimate is $35.40 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 87/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

Over the trailing twelve months, American Integrity Insurance Group generated revenue of $296M at a net margin of 27.6%. Revenue grew 26.5% year over year. It earns a return on equity of 31.2%. The balance sheet holds a net cash position of $203M. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) $296M
Revenue growth (YoY) +26.5%
Net margin 27.6%
Return on equity 31.2%
Free cash flow $133M FY2025
P/E ratio 3.5
More key figures
Operating margin 30.0%
EPS (TTM) $4.84
EPS growth (YoY) -63.4%
Net cash $203M FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

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.

Revenue & earnings trend

FY2023 – FY2025 · reported fiscal years

American Integrity Insurance Group 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.

Revenue +17.3%/yr
FY23 $201M
FY24 $204M
FY25 $276M
Net income +62.3%/yr
FY23 $37.8M
FY24 $39.7M
FY25 $99.6M

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Frequently asked questions

Is American Integrity Insurance Group (AII) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $35.40 versus a price of $17.70 — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of AII?
Our 21-model fair value for American Integrity Insurance Group is $35.40 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.70.
What is the quality score of AII?
American Integrity Insurance Group has a Quality Score of 87/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of American Integrity Insurance Group (AII)?
American Integrity Insurance Group reported trailing-twelve-month revenue of about $296M (latest available figure, as of Jun 26, 2026).
What is the net profit margin of AII?
The net profit margin of American Integrity Insurance Group is about 27.6%, meaning it keeps roughly 27.6% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.