American Integrity Insurance Group, Inc.
American Integrity Insurance Group, Inc. Fundamental Analysis
American Integrity Insurance Group, Inc. (AII) shows strong financial fundamentals with a PE ratio of 4.07, profit margin of 31.63%, and ROE of 36.08%. The company generates $0.3B in annual revenue with weak year-over-year growth of 1.73%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 81.7/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze AII's fundamental strength across five key dimensions:
Efficiency Score
WeakAII struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAII trades at attractive valuation levels.
Growth Score
WeakAII faces weak or negative growth trends.
Financial Health Score
ExcellentAII maintains a strong and stable balance sheet.
Profitability Score
ExcellentAII achieves industry-leading margins.
Key Financial Metrics
Is AII Expensive or Cheap?
P/E Ratio
AII trades at 4.07 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, AII's PEG of 0.38 indicates potential undervaluation.
Price to Book
The market values American Integrity Insurance Group, Inc. at 1.12 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.03 times EBITDA. This is generally considered low.
How Well Does AII Make Money?
Net Profit Margin
For every $100 in sales, American Integrity Insurance Group, Inc. keeps $31.63 as profit after all expenses.
Operating Margin
Core operations generate 35.03 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $36.08 in profit for every $100 of shareholder equity.
ROA
American Integrity Insurance Group, Inc. generates $6.08 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
American Integrity Insurance Group, Inc. generates strong operating cash flow of $239.85M, reflecting robust business health.
Free Cash Flow
American Integrity Insurance Group, Inc. generates strong free cash flow of $234.74M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $11.99 in free cash annually.
FCF Yield
AII converts 66.56% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
4.07
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.38
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.12
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.28
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.002
vs 25 benchmark
Current Ratio
Current assets to current liabilities
152.57
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.36
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How AII Stacks Against Its Sector Peers
| Metric | AII Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 4.07 | 18.86 | Better (Cheaper) |
| ROE | 36.08% | 847.00% | Weak |
| Net Margin | 31.63% | 4202.00% | Weak |
| Debt/Equity | 0.00 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 152.57 | 667.17 | Strong Liquidity |
| ROA | 6.08% | -21543.00% (disorted) | Weak |
AII outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews American Integrity Insurance Group, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
1.73%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
5.15%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
131.09%
Industry Style: Value, Dividend, Cyclical
High Growth