AII
Neutral signalScored 2026-10-26 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
American Integrity Insurance Group, Inc.
- Nom
- American Integrity Insurance Group, Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NYSE
- Capitalisation
- $564.3M
- Employés
- 313
- PDG
- Robert Craig Ritchie
- Site web
- https://www.aii.com
- Marché
- ACICBWBCBNKDGICAECCGBLI
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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 150 000 titres (~4 085 391,37 $ US)
- Insiders
- Ritchie Robert C
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$15,953,158
Avg sell (VWAP, 90d window) $25.03 vs last close $29.52 (+17.9%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$9,097,896 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-10-14
- Liquidity
- Thin $5,667,210/day · 20d vol
- Last synced
-
2026-10-27 00:34:53
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-14 | Ritchie Robert C | Sell · S · 10b5-1 | 26,436 | $27.23 | $719,852 | Form 4 |
| 2026-10-13 | Ritchie Robert C | Sell · S · 10b5-1 | 50,700 | $27.41 | $1,389,687 | Form 4 |
| 2026-10-12 | Ritchie Robert C | Sell · S · 10b5-1 | 69,727 | $27.12 | $1,890,996 | Form 4 |
| 2026-10-09 | Ritchie Robert C | Sell · S · 10b5-1 | 3,137 | $27.05 | $84,856 | Form 4 |
| 2026-08-31 | Ritchie Robert C | Sell · S · 10b5-1 | 9,174 | $25.92 | $237,790 | Form 4 |
| 2026-08-28 | Ritchie Robert C | Sell · S · 10b5-1 | 6,000 | $26.50 | $159,000 | Form 4 |
| 2026-08-27 | Ritchie Robert C | Sell · S · 10b5-1 | 10,000 | $26.35 | $263,500 | Form 4 |
| 2026-08-26 | Ritchie Robert C | Sell · S · 10b5-1 | 54,365 | $26.63 | $1,447,740 | Form 4 |
| 2026-08-25 | Ritchie Robert C | Sell · S · 10b5-1 | 65,000 | $26.29 | $1,708,850 | Form 4 |
| 2026-08-24 | Ritchie Robert C | Sell · S · 10b5-1 | 45,461 | $26.30 | $1,195,624 | Form 4 |
| 2026-08-21 | Ritchie Robert C | Sell · S | 150 | $26.30 | $3,945 | Form 4 |
| 2026-08-20 | Ritchie Robert C | Sell · S | 35,000 | $25.08 | $877,800 | Form 4 |
| 2026-08-19 | Ritchie Robert C | Sell · S | 6,000 | $25.24 | $151,440 | Form 4 |
| 2026-08-18 | Ritchie Robert C | Sell · S | 12,000 | $25.34 | $304,080 | Form 4 |
| 2026-08-17 | Ritchie Robert C | Sell · S | 55,000 | $24.92 | $1,370,600 | Form 4 |
| 2026-08-14 | Ritchie Robert C | Sell · S | 20,402 | $24.12 | $492,096 | Form 4 |
| 2026-08-13 | Ritchie Robert C | Sell · S | 50,000 | $23.65 | $1,182,500 | Form 4 |
| 2026-08-12 | Ritchie Robert C | Sell · S | 99 | $24.60 | $2,435 | Form 4 |
| 2026-08-10 | Ritchie Robert C | Sell · S | 5,800 | $20.72 | $120,176 | Form 4 |
| 2026-08-07 | Ritchie Robert C | Sell · S | 12,959 | $21.01 | $272,269 | Form 4 |
| 2026-08-06 | Ritchie Robert C | Sell · S | 36,965 | $20.83 | $769,981 | Form 4 |
| 2026-08-04 | Ritchie Robert C | Sell · S | 30,000 | $20.85 | $625,500 | Form 4 |
| 2026-08-03 | Ritchie Robert C | Sell · S | 33,000 | $20.68 | $682,440 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-10-26 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
AII presents outstanding financial fundamentals — exceptional ROIC of 38.2%, negligible debt, and strong free cash flow — that justify a solid baseline score, but the absence of a defined near-term catalyst (score: 25)…
The first sentence of the analysis written for AII on 2026-10-26 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Supports a bullish reading. Interesting trend — weekly bias up
- Financial indicators Supports a bullish reading. Current ratio 92.89 · operating margin 42%
Suggested stop 25.73, nearest stored support minus 0.5 ATR(12.8% under the last close). Research, not advice. Not an order.
Recent news
- 2026-10-20 Best Momentum Stock to Buy for October 20th TTE, AII and KWR made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on October 20, 2026.
- 2026-10-20 Best Value Stocks to Buy for October 20th AII, UGP and HELE made it to the Zacks Rank #1 (Strong Buy) value stocks list on October 20, 2026.
- 2026-10-20 New Strong Buy Stocks for October 20th DBI, TTE, AII, BNED and UGP have been added to the Zacks Rank #1 (Strong Buy) List on October 20, 2026.
- 2026-10-19 American Integrity Insurance Group (NYSE:AII) vs. Kingstone Companies (NASDAQ:KINS) Head-To-Head Comparison Kingstone Companies (NASDAQ: KINS - Get Free Report) and American Integrity Insurance Group (NYSE: AII - Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, dividends, earnings, risk, valuation, profitability and analyst recommendations. Profitability This table compares Kingstone
- 2026-10-14 New Strong Buy Stocks for October 14th NATL, BGC, CCNE, FRME and UVSP have been added to the Zacks Rank #1 (Strong Buy) List on October 14, 2026.
- 2026-10-14 Best Value Stocks to Buy for October 14th AII, NUE and CNK made it to the Zacks Rank #1 (Strong Buy) value stocks list on October 14, 2026.
- 2026-10-12 American Integrity Insurance Group (NYSE:AII) Sees Strong Trading Volume Following Analyst Upgrade American Integrity Insurance Group, Inc. (NYSE: AII - Get Free Report) shares saw strong trading volume on Monday after Citizens Jmp raised their price target on the stock from $26.00 to $29.00. Citizens Jmp currently has a market outperform rating on the stock. 115,193 shares changed hands during mid-day trading, a decline of 19% from the
- 2026-09-28 Comparing American Integrity Insurance Group (NYSE:AII) & Allianz (OTCMKTS:ALIZY) Allianz (OTCMKTS:ALIZY - Get Free Report) and American Integrity Insurance Group (NYSE: AII - Get Free Report) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, risk, institutional ownership, valuation, dividends, analyst recommendations and earnings. Analyst Recommendations This is a breakdown of
- 2026-09-24 Global Commercial Pricing Soft: 4 P&C Insurers to Protect Portfolio Global commercial insurance rates are falling, but TRV, UVE, UFCS and AII offer portfolio resilience through disciplined underwriting and diversification.
- 2026-09-24 Comparing Principal Financial Group (NASDAQ:PFG) & American Integrity Insurance Group (NYSE:AII) American Integrity Insurance Group (NYSE: AII - Get Free Report) and Principal Financial Group (NASDAQ: PFG - Get Free Report) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, valuation, analyst recommendations, dividends, institutional ownership, risk and earnings. Volatility and Risk American Integrity
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|
| Gross Profit Margin | 64.5% | 40.1% | 39.3% | |
| Ebit Margin | 41.6% | 25.0% | 22.3% | |
| Ebitda Margin | 42.4% | 26.4% | 22.9% | |
| Operating Profit Margin | 41.6% | 25.0% | 22.3% | |
| Pretax Profit Margin | 41.6% | 25.0% | 22.3% | |
| Continuous Operations Profit Margin | 36.0% | 19.4% | 18.8% | |
| Net Profit Margin | 36.0% | 19.4% | 18.8% | |
| Bottom Line Profit Margin | 36.0% | 18.6% | 18.0% | |
| Current Ratio | 92.885 | 13.276 | 12.694 | |
| Quick Ratio | 92.885 | 13.276 | 12.694 | |
| Solvency Ratio | 0.115 | 0.041 | 0.054 | |
| Cash Ratio | 76.083 | 1.953 | 0.925 | |
| Price To Earnings Ratio | 3.604 | 8.711 | 9.185 | |
| Price To Earnings Growth Ratio | 0.018 | 1.603 | 0.000 | |
| Forward Price To Earnings Growth Ratio | 0.018 | 1.603 | 0.000 | |
| Price To Earnings Diluted Ratio | 3.687 | 8.711 | 9.185 | |
| Price To Earnings Diluted Growth Ratio | 0.019 | 1.603 | 0.000 | |
| Price To Book Ratio | 1.065 | 2.038 | 2.470 | |
| Price To Sales Ratio | 1.298 | 1.619 | 1.648 | |
| Price To Free Cash Flow Ratio | 2.696 | 2.242 | 5.197 | |
| Price To Operating Cash Flow Ratio | 2.598 | 2.222 | 5.136 | |
| Debt To Assets Ratio | 0.001 | 0.003 | 0.007 | |
| Debt To Equity Ratio | 0.003 | 0.022 | 0.045 | |
| Debt To Capital Ratio | 0.003 | 0.022 | 0.043 | |
| Long Term Debt To Capital Ratio | 0.002 | 0.004 | 0.008 | |
| Financial Leverage Ratio | 3.635 | 7.378 | 6.435 | |
| Working Capital Turnover Ratio | 0.414 | 0.219 | 0.000 | |
| Operating Cash Flow Ratio | 51.564 | 1.679 | 0.967 | |
| Operating Cash Flow Sales Ratio | 0.500 | 0.729 | 0.321 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.964 | 0.991 | 0.988 | |
| Debt Service Coverage Ratio | 0.000 | 103.357 | 94.711 | |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 361.430 | 156.403 | |
| Operating Cash Flow Coverage Ratio | 128.431 | 40.898 | 10.595 | |
| Capital Expenditure Coverage Ratio | 27.545 | 113.932 | 85.235 | |
| Dividend Paid And Capex Coverage Ratio | 4.955 | 11.170 | 24.851 | |
| Dividend Payout Ratio | 0.230 | 0.303 | 0.049 | |
| Enterprise Value Multiple | 1.331 | 2.995 | 5.989 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 64.5% | ▲24.4% | ▲16.6% |
| Ebit Margin | 41.6% | ▲16.6% | ▲12.0% |
| Ebitda Margin | 42.4% | ▲16.1% | ▲11.9% |
| Operating Profit Margin | 41.6% | ▲16.6% | ▲12.0% |
| Pretax Profit Margin | 41.6% | ▲16.6% | ▲12.0% |
| Continuous Operations Profit Margin | 36.0% | ▲16.6% | ▲11.3% |
| Net Profit Margin | 36.0% | ▲16.6% | ▲11.3% |
| Bottom Line Profit Margin | 36.0% | ▲17.4% | ▲11.8% |
| Current Ratio | 92.885 | ▲79.610 | ▲53.267 |
| Quick Ratio | 92.885 | ▲79.610 | ▲53.267 |
| Solvency Ratio | 0.115 | ▲0.074 | ▲0.045 |
| Cash Ratio | 76.083 | ▲74.130 | ▲49.762 |
| Price To Earnings Ratio | 3.604 | ▼-5.107 | ▼-3.563 |
| Price To Earnings Growth Ratio | 0.018 | ▼-1.585 | ▼-0.522 |
| Forward Price To Earnings Growth Ratio | 0.018 | ▼-1.585 | ▼-0.522 |
| Price To Earnings Diluted Ratio | 3.687 | ▼-5.025 | ▼-3.508 |
| Price To Earnings Diluted Growth Ratio | 0.019 | ▼-1.584 | ▼-0.521 |
| Price To Book Ratio | 1.065 | ▼-0.973 | ▼-0.793 |
| Price To Sales Ratio | 1.298 | ▼-0.321 | ▼-0.223 |
| Price To Free Cash Flow Ratio | 2.696 | ▲0.454 | ▼-0.682 |
| Price To Operating Cash Flow Ratio | 2.598 | ▲0.376 | ▼-0.721 |
| Debt To Assets Ratio | 0.001 | ▼-0.002 | ▼-0.003 |
| Debt To Equity Ratio | 0.003 | ▼-0.019 | ▼-0.021 |
| Debt To Capital Ratio | 0.003 | ▼-0.019 | ▼-0.020 |
| Long Term Debt To Capital Ratio | 0.002 | ▼-0.002 | ▼-0.003 |
| Financial Leverage Ratio | 3.635 | ▼-3.743 | ▼-2.181 |
| Working Capital Turnover Ratio | 0.414 | ▲0.195 | ▲0.203 |
| Operating Cash Flow Ratio | 51.564 | ▲49.885 | ▲33.494 |
| Operating Cash Flow Sales Ratio | 0.500 | ▼-0.229 | ▼-0.017 |
| Free Cash Flow Operating Cash Flow Ratio | 0.964 | ▼-0.028 | ▼-0.017 |
| Debt Service Coverage Ratio | 0.000 | ▼-103.357 | ▼-66.023 |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-361.430 | ▼-172.611 |
| Operating Cash Flow Coverage Ratio | 128.431 | ▲87.533 | ▲68.457 |
| Capital Expenditure Coverage Ratio | 27.545 | ▼-86.387 | ▼-48.026 |
| Dividend Paid And Capex Coverage Ratio | 4.955 | ▼-6.216 | ▼-8.704 |
| Dividend Payout Ratio | 0.230 | ▼-0.073 | ▲0.036 |
| Enterprise Value Multiple | 1.331 | ▼-1.664 | ▼-2.107 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Market cap | $359.0M | $330.9M | $330.9M | |
| Enterprise value | $156.2M | $161.4M | $275.4M | |
| EV / Sales | 0.56x | 0.79x | 1.37x | |
| EV / Op. cash flow | 1.13x | 1.08x | 4.27x | |
| EV / Free cash flow | 1.17x | 1.09x | 4.32x | |
| EV / EBITDA | 1.33x | 3.00x | 5.99x | |
| Net debt / EBITDA | -1.73x | -3.15x | -1.21x | |
| Current ratio | 92.89x | 13.28x | 12.69x | |
| Income quality | 1.39x | 3.75x | 1.71x | |
| Graham number | $50 | $19 | $17 | |
| Graham net-net | -$28 | -$20 | -$10 | |
| Tax burden | 86.6% | 77.9% | 84.5% | |
| Interest burden | 100.0% | 100.0% | 100.0% | |
| Working capital | $246.3M | $1.09B | $778.9M | |
| Invested capital | $252.4M | $1.09B | $784.8M | |
| Return on assets | 8.1% | 3.3% | 4.4% | |
| Operating ROA | 9.5% | 5.0% | 0.0% | |
| Return on tangible assets | 8.1% | 3.3% | 4.4% | |
| Return on equity | 29.6% | 24.5% | 28.2% | |
| Return on invested capital | 38.2% | 3.6% | 4.7% | |
| Return on capital employed | 9.4% | 4.6% | 5.6% | |
| Earnings yield | 27.7% | 12.0% | 11.4% | |
| Free cash flow yield | 37.1% | 44.6% | 19.2% | |
| Capex / Op. cash flow | 3.6% | 0.9% | 1.2% | |
| Capex / Depreciation | 220.0% | 46.0% | 61.8% | |
| Capex / Sales | 1.8% | 0.6% | 0.4% | |
| SG&A / Sales | 15.2% | 15.1% | 17.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 3.8% | 0.0% | 0.0% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 59d | 918d | 659d | |
| Days payables outstanding | 292d | 168d | 183d | |
| Operating cycle | 59d | 918d | 659d | |
| Cash conversion cycle | -233d | 749d | 477d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years