American Integrity Valuation
| AII Stock | 19.28 -0.01 -0.05% |
Current valuation signals point to American Integrity being fairly valued, with intrinsic value near $18.84 per share versus a market price of $19.28. For American Integrity, the model's primary valuation inputs include a return on equity of 40% and a profit margin of 36% and is then validated against risk profile and probability of bankruptcy. Key valuation drivers for American Integrity include:
Forward estimates place Cash near 160.88 Million, implying a strengthening bias. The year-ago value of Cash was 203.9 Million. As of yesterday, Change To Account Receivables is positioned to expand toward approximately 6.9 M, while Accounts Payable is moving lower toward under 71.8 M.
Fairly Valued
Today
Macroaxis currently classifies American Integrity's price fluctuation as Low. Macroaxis calculates the real value of American Integrity using a 3 months time horizon. Increasing the horizon tends to sharpen the value estimate and improve the signal quality behind the methodology.
Because American Integrity trades on the exchange, its market value is set by ongoing buying and selling activity. When market value drifts away from intrinsic value, investors may find an opportunity if that spread closes over time. | Historical | Market 19.28 | Real 18.84 | Hype 19.28 | Naive 19.05 |
Understanding the intrinsic value of American Integrity is essential for determining whether the stock is fairly priced. It is distinct from American Integrity's market price, which fluctuates based on supply and demand forces. Computing intrinsic value requires analyzing American Integrity's revenue growth, profitability, and capital allocation. The gap between market price and intrinsic value signals whether American Integrity may be over- or underpriced.
The full valuation picture for American Integrity Insurance requires examining both the upside case and potential downside risks. Beyond fundamentals, the valuation of American stock depends on market sentiment and technical signals. Mapping out the upside and downside potential for American Integrity Insurance gives investors the context they need. Beyond American Integrity's core financials, the valuation incorporates technical and market-based signals.No single valuation method is sufficient for American Integrity on its own. Mature cash-generative businesses are best valued on earnings multiples; high-growth firms may require DCF approaches. For cyclical or capital-intensive industries, normalized earnings provide a more reliable valuation basis. A catalyst analysis determines when American Integrity's current price is likely to converge to fair value.
Main Profitability Drivers
American Integrity converts revenue at a 36.03% net margin rate, while its operating margin sits at 43.01%. A 6.98-point margin gap suggests that below-the-line items meaningfully affect American Integrity's net profitability. Revenue of 276.49 Million translated into 157 Million of gross profit for American Integrity, with net income reaching 99.62 Million. With ROE at 39.90% and ROA at 5.94%, these return measures help contextualize American Integrity's profitability relative to its balance sheet. American Integrity's profitability trends show broad deterioration, with the majority of key metrics declining year over year. View American Integrity's full profitability analysis for additional context.
Price Book 1.091 | Gross Profit | Price Sales 1.3299 | Profit Margin | Enterprise Value Revenue 0.5963 |
American Integrity Cash | 160.88 Million |
Total Value Analysis
The market-value snapshot for American Integrity Insurance currently reflects enterprise value of 164.87 M, market capitalization of 367.69 M, debt of 1.08 M, and cash of 173.22 M. Used properly, enterprise value helps organize the capital-structure picture, but it should still be tested against revenue quality, margins, and broader fundamentals.| Takeover Price | Market Cap | Debt Obligations | Cash |
164.87 M | 367.69 M | 1.08 M | 173.22 M |
Investor Information
About 40.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.09. Some equities with similar Price to Book (P/B) outperform the market in the long run. American Integrity recorded earnings per share (EPS) of 5.65. The company had its last dividend issued on the 16th of March 2026. Evaluating liquidity trends and earnings sustainability, American Integrity appears to maintain serviceable financial positioning. Operating returns remain positive, supporting continued earnings capacity.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.24 | 0.4161 |
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| Total Cash From Operating Activities | 128.9 M | 138.2 M |
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| Operating Income | 77.3 M | 115.1 M |
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Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. American Integrity has an asset utilization ratio of 22.57 percent. This signifies that the Company is making USD0.23 for each dollar of assets. An increasing asset utilization means that American Integrity Insurance is more efficient with each dollar of assets it utilizes for everyday operations.Macro event markers
Profitability Analysis
Based on the key profitability measurements obtained from American Integrity's financial statements, American Integrity Insurance may not be well positioned to generate adequate gross income currently. It has a very high chance of underperforming in April. Profitability indicators assess American Integrity's ability to earn profits and add value for shareholders.Net Income | First Reported 2010-12-31 | Previous Quarter 99.6 M | Current Value 65 M | Quarterly Volatility 16 M |
Macro event markers
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.38 | 0.6454 |
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| Net Profit Margin | 0.2 | 0.3603 |
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| Operating Profit Margin | 0.24 | 0.4161 |
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| Pretax Profit Margin | 0.24 | 0.4161 |
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| Return On Assets | 0.0422 | 0.0813 |
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| Return On Equity | 0.22 | 0.2956 |
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For American Integrity profitability analysis, investors typically examine the ratios and operating drivers that show how well the company turns sales, assets, and shareholder capital into profit. This section becomes more actionable when the company is compared against peers rather than analyzed in isolation. American Integrity currently reports return on equity near 39.9%, which helps anchor profitability expectations.
Earnings per Share Projection vs Actual
Analyst consensus on American Integrity's EPS captures the range of professional forecasts and their trajectory over time. An operating margin of 43.01% frames the cost structure behind American Integrity's reported EPS. Consensus earnings estimates for American Integrity Insurance should be reviewed carefully because analyst EPS forecasts are usually built before non-recurring items and option-related expenses are fully unpacked. American Integrity is projected to generate 0.9925 in earnings per share on 31st of March 2026. Future earnings-per-share expectations are often a key input when investors test valuation assumptions and momentum into the next quarter.Macro event markers
Ownership Allocation
Over half of American Integrity's outstanding shares are owned by institutional investors. Institutional investors such as mutual funds, pension funds, and asset managers typically build positions in companies like American Integrity as part of their portfolio management activity, investing on behalf of clients or beneficiaries. Institutional investors hold approximately 58% of American Integrity's outstanding shares, with insiders holding 40% and 2% in the public float.Revenue and Profit Overview
The company reported last year's revenue of 276.49 M. Total Income to common stockholders was 99.62 M with profit before taxes, overhead, and interest of 157 M.Valuation analysis for American Integrity Insurance should be treated as an ongoing process rather than a one-time answer, especially when investors are trying to understand how the market is pricing this stock. Used correctly, valuation analysis can show whether the market may be too optimistic, too cautious, or simply inconsistent about the underlying business.
Valuation Framework, Methodology & Assumptions
American Integrity is a small-cap equity in Property & Casualty Insurance, Insurance - Property & Casualty, Financial Services categories. Multiples are reviewed relative to comparable companies. For American Integrity, the leading valuation metrics are P/B of 1.09; additional context comes from P/S of 1.33, enterprise value of 164.87 M.
Inputs for American Integrity Insurance come from periodic company reporting and market reference feeds and are mapped into a consistent reporting framework. Sell-side coverage, where present, supplements the data shown. Some fields can appear with publication lag. Valuation outputs are model-derived and depend on published assumptions and reference inputs.
This content is curated and reviewed by:
Ellen Johnson - Member of Macroaxis Editorial BoardGrowth Indicators
Growth investing in American Integrity Insurance can be rewarding, but it usually depends on the market continuing to believe in above-average sales and earnings expansion. Used properly, growth analysis separates durable compounding from optimism that may already be fully priced in.
| Common Stock Shares Outstanding | 17.2 M | |
| Quarterly Earnings Growth Y O Y | 0.701 | |
| Forward Price Earnings | 6.9832 |
American Integrity Current Valuation Indicators
Valuation of American Integrity Insurance is strongest when several lenses are used together: market cap, enterprise value. revenue, and cash-flow durability. The key question is comparative: what does the market charge per dollar of revenue, profit, and assets, and is that justified?
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