American Integrity Insurance Group, Inc. (AII) Stock

American Integrity Insurance Group, Inc. (AII) is a Financials stock trading at $25.27 (as of 2026-08-21), with a market capitalization of $495.06M and a trailing P/E of 5.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

American Integrity Insurance Group, Inc. provides property and related insurance coverage for residential properties, including homeowners, new home construction, vacant homes, condos, rental and seasonal dwellings, and manufactured homes, as well as insurance for golf carts and watercraft. It also offers binding arbitration.

Understand American Integrity Insurance Group, Inc.: how it makes money

American Integrity Insurance Group sells homeowners and other property insurance, including coverage for vacant homes, condos, rentals, seasonal dwellings, manufactured homes, watercraft, and golf carts. It makes money by collecting premiums on those policies.

The company collects premiums upfront and keeps what remains after paying claims and operating costs, so underwriting discipline drives profit.

Business quality (Strong): Strong reported quality, though insurance earnings remain exposed to claims experience.

Valuation: At 6× earnings, AII trades 57% below the Insurance average (13×). Note: the low multiple may reflect one-time earnings items.

Bull case

  • Growth is scaling quickly: Quarterly revenue $100M (+55% YoY) shows strong expansion. If that pace proves durable, a larger business base could improve earnings power.
  • Profitability leaves a cushion: Operating margin 40% shows the company is currently converting revenue into substantial operating profit. That gives it room to absorb higher costs if conditions worsen.
  • Valuation allows re-rating: P/E 5.6× vs Insurance industry 13× (57% below) leaves room for a re-rating if earnings prove durable. The low multiple could amplify returns from sustained operating performance.
Valuation — source: SEC EDGAR (first-party)
Price$25.27
Market Cap$495.06M
P/E Ratio5.6
EV / EBITDA1.2
Price / Book1.34
Price / Sales1.47
FCF Yield61.3%
DCF Value (model)$118.52
DCF Upside vs Price369.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$276.49M
Net Margin36.0%
Revenue Growth (YoY)54.6%
EPS Growth (YoY)7.4%
FCF Growth (YoY)26.3%
Valuation vs Sector & Industry
Stock P/E5.6
Sector P/E (Financials)15.1
Industry P/E (Insurance)13.0
vs Sector-62.8%
vs Industry-56.9%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderFRANKLIN RESOURCES INC ($234.70M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryInsurance
CEORobert Craig Ritchie
Employees294
CountryUS
IPO Date2025-05-08

Related Companies (Business model: Property & Casualty Insurer; 8 closest by market cap; US-domiciled)

  • Hippo Holdings Inc. (HIPO)
  • Tiptree Inc. (TIPT)
  • Donegal Group Inc. (DGICA)
  • AMERISAFE, Inc. (AMSF)
  • American Coastal Insurance Corporation (ACIC)
  • Global Indemnity Group, LLC (GBLI)
  • NI Holdings, Inc. (NODK)
  • Kingstone Companies, Inc. (KINS)
AII earnings history · AII institutional & insider holders · AII KPIs & operating metrics · AII financials · AII investor presentations & press releases · AII SEC filings · AII peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.