Stocks · Financial Services · Insurance - Property & Casualty
American Integrity Insurance Group, Inc. AII
$26.06 +0.85% Close, Oct 2, 2026 · NYSE · Market cap $510.5M
High qualityStrong trendInexpensive vs sector
Next earnings report: Nov 10, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 15.5% in a year.
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +37.7%).
- Revenue over the last four quarters was $336.2M, up 29.3% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 14%
- EPS growth (TTM, YoY)Bottom 35%
- FCF growth (TTM, YoY)Bottom 18%
- Revenue growth accelerationTop 30%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 6%
- Gross marginTop 46%
- Operating marginTop 18%
- Cash conversion (OCF / net income)Top 20%
- Accruals (lower is better)Top 15%
- Net debt / EBITDA (lower is better)Top 11%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 5%
- Free-cash-flow yieldTop 8%
- EBITDA / enterprise valueTop 2%
- Sales / enterprise valueTop 8%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 40%
- 6-month returnTop 7%
- 1-year return vs S&P 500Top 35%
- Distance from 52-week highTop 16%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 7%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyTop 2%
- Upside to consensus price targetBottom 14%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 16%
- Maximum drawdown, 3 yearsBottom 29%
- Beta vs S&P 500 (lower is better)Top 22%
- Net debt / EBITDA (lower is better)Top 11%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 27.4% | 29.3% | ↑ |
| EPS growth (YoY) | 32.7% | 7.1% | ↓ |
| Gross margin | 50.4% | 66.8% | ↑ |
| Operating margin | 32.4% | 36.2% | ↑ |
| FCF margin | 83.1% | 50.0% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 29.3% | 27.4% | ↑ | Top 14% |
| EPS growth (TTM, YoY) | 7.1% | 32.7% | ↓ | Bottom 35% |
| Gross margin | 66.8% | 50.4% | ↑ | Top 46% |
| Operating margin | 36.2% | 32.4% | ↑ | Top 18% |
| Net margin | 26.2% | 30.2% | ↓ | — |
| Free-cash-flow margin | 50.0% | 83.1% | ↓ | — |
| Return on invested capital | 19.4% | — | Top 6% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.96×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -5.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -116.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -2.06×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.91%
- Net buyback yield (TTM)
- 0.02%
- Shareholder yield
- 3.94%
- Share count change, 1 year
- +15.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 6 of 6
- Average EPS surprise, last 4
- +37.7%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 4 of 6
Analysts
- Consensus price target
- $26.50
- Target vs current price
- +1.7%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 100%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 11, 2026 | +101.6% | -1.8% | +21.7% | +27.5% | — |
| May 12, 2026 | +4.6% | -1.0% | -14.5% | -15.4% | +7.1% |
| Feb 24, 2026 | +28.3% | +2.8% | +19.6% | +9.0% | -6.4% |
| Nov 11, 2025 | +16.4% | +3.2% | -4.9% | -21.5% | -28.0% |
| Aug 12, 2025 | +8.9% | -0.1% | +5.5% | +9.8% | +33.5% |
| Jun 9, 2025 | +1.6% | +0.0% | -3.2% | +4.6% | +15.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 11, 2026 | $1.78 | $0.88 | +101.6% | $326.6M |
| May 12, 2026 | $1.03 | $0.99 | +4.6% | $220.0M |
| Feb 24, 2026 | $1.03 | $0.80 | +28.3% | $206.4M |
| Nov 11, 2025 | $0.71 | $0.61 | +16.4% | $62.0M |
| Aug 12, 2025 | $1.84 | $1.69 | +8.9% | $74.5M |
| Jun 9, 2025 | $1.95 | $1.92 | +1.6% | $71.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 5.8× | — | — | Top 5% |
| P/E (forward) | 6.9× | — | — | — |
| EV / EBITDA | 2.1× | — | — | Top 2% |
| EV / Sales | 0.76× | — | — | Top 8% |
| Free-cash-flow yield | 32.93% | — | — | Top 8% |
| Earnings yield | 17.27% | — | — | Top 5% |
P/E over the past five years
Range 3.8× – 8.6× since Dec 31, 2024. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +17.1%
- Earnings per share growth (TTM)
- +7.1%
- Change in P/E multiple
- +27.2%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 69
- Days above the 200-day average
- 47
- 50-day average slope (20 days)
- +13.1%
- 200-day average slope (20 days)
- +2.6%
- Distance from 50-day average
- +7.5%
- Distance from 200-day average
- +29.5%
- RSI (14)
- 57.5
- Relative volume
- 0.50×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 39.7%
- Volatility vs own 5-year history
- 49th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.26
- Correlation with S&P 500
- 0.08
- Current drawdown from 1-year high
- -2.7%
- Maximum drawdown, 3 years
- -37.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 11, 2025 | May 29, 2026 | -37.5% | 136 days | 60 days (Aug 25, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $510.5M
- P/E (TTM)
- 5.8
- EPS, diluted (TTM)
- $4.50
- Revenue (TTM)
- $336.2M
- Dividend yield
- 3.91%
- 52-week range
- $16.19 – $27.00
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Revenue | $200.9M | $204.4M | $276.5M |
| Gross profit | $78.9M | $82.0M | $178.5M |
| Operating income | $44.8M | $51.0M | $115.1M |
| Net income | $37.8M | $39.7M | $99.6M |
| EPS (diluted) | $1.84 | $1.94 | $5.65 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $46.5M | $67.1M | $71.9M | $74.5M | $62.0M | $68.1M | $90.9M | $115.2M |
| Net income | $4.5M | $8.4M | $38.1M | $27.5M | $13.2M | $20.9M | $19.9M | $34.1M |
| EPS (diluted) | $0.22 | $0.41 | $1.95 | $1.62 | $0.67 | $1.07 | $1.02 | $1.74 |
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Operating cash flow | $64.4M | $148.9M | $138.2M |
| Capital expenditure | -$756,000 | -$1.3M | -$5.0M |
| Free cash flow | $63.7M | $147.6M | $133.2M |
| Dividends paid | -$1.8M | -$12.0M | -$22.9M |
| Net share buybacks | $0 | $0 | $93.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $519.0M
- Total assets
- $1.61B
- Total liabilities
- $1.24B
- Total debt
- $33.5M
- Net debt
- -$255.0M
- Shareholders’ equity
- $369.5M
As of Jun 30, 2026 (filed Aug 13, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Mar 16, 2026 | $1.02 | Mar 30, 2026 |
Short interest
- Shares sold short
- 229,025
- Days to cover
- 1.07
- Change vs previous report
- +35.0%
FINRA short interest, settlement date Sep 15, 2026.