No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| HCIHCI Group, Inc. | 2.33B | 179.41 | 20.18 | 36.26% | 24.97% | 23.84% | 14.1% | 0.40 |
| UVEUniversal Insurance Holdings, Inc. | 873.72M | 31.15 | 15.50 | 9.27% | 7.74% | 24.72% | 14.88% | 0.27 |
| HRTGHeritage Insurance Holdings, Inc. | 828.12M | 26.79 | 13.33 | 11.08% | 17.72% | 34.12% | 9.52% | 0.49 |
| SLDESlide Insurance Holdings, Inc. Common Stock | 2.19B | 17.65 | 10.96 | 80.74% | 33.29% | 36.16% | 24.79% | 0.11 |
| AIIAmerican Integrity Insurance Group, Inc. | 386.84M | 19.76 | 10.19 | 1.73% | 31.63% | 27.59% | 38.16% | 0.02 |
| ACICAmerican Coastal Insurance Corporation | 549.58M | 11.27 | 7.37 | 12.51% | 26% | 26.04% | 44.3% | 0.65 |
| Dec 2023 | Dec 2024 | |
|---|---|---|
| Revenue | 200.87M | 204.35M |
| Revenue Growth % | - | 0.02% |
| Medical Costs & Claims | 122M | 122.36M |
| Medical Cost Ratio % | - | - |
| Gross Profit | 78.87M | 81.99M |
| Gross Margin % | - | - |
| Gross Profit Growth % | - | 0.04% |
| Operating Expenses | 34.11M | 30.95M |
| OpEx / Revenue % | - | - |
| Depreciation & Amortization | 1.22M | 2.84M |
| Combined Ratio % | - | - |
| Operating Income | 44.76M | 51.04M |
| Operating Margin % | - | - |
| Operating Income Growth % | - | 0.14% |
| EBITDA | 45.98M | 53.88M |
| EBITDA Margin % | - | - |
| Interest Expense | 0 | 0 |
| Non-Operating Income | 0 | 0 |
| Pretax Income | 44.76M | 51.04M |
| Pretax Margin % | - | - |
| Income Tax | 6.96M | 11.3M |
| Effective Tax Rate % | - | - |
| Net Income | 37.8M | 39.74M |
| Net Margin % | - | - |
| Net Income Growth % | - | 0.05% |
| EPS (Diluted) | 1.84 | 1.94 |
| EPS Growth % | - | 0.05% |
| EPS (Basic) | 1.84 | 1.94 |
| Diluted Shares Outstanding | 19.58M | 19.58M |
| Dec 2023 | Dec 2024 | |
|---|---|---|
| Total Assets | 862.03M | 1.2B |
| Asset Growth % | - | 0.39% |
| Total Investment Assets | 0 | 214.04M |
| Long-Term Investments | -195.16M | 214.04M |
| Short-Term Investments | 195.16M | 89.03M |
| Total Current Assets | 845.56M | 0 |
| Cash & Equivalents | 61.65M | 173.22M |
| Receivables | 1000K | 1000K |
| Other Current Assets | 0 | -1.04B |
| Goodwill & Intangibles | 0 | 0 |
| Goodwill | 0 | 0 |
| Intangible Assets | 0 | 0 |
| PP&E (Net) | 5.82M | 4.34M |
| Other Assets | 205.82M | -218.39M |
| Total Liabilities | 728.07M | 1.04B |
| Total Debt | 6.08M | 3.64M |
| Net Debt | -55.56M | -169.58M |
| Long-Term Debt | 1.03M | 617K |
| Short-Term Debt | 412K | 412K |
| Total Current Liabilities | 66.61M | 88.69M |
| Accounts Payable | 61.06M | 56.35M |
| Deferred Revenue | 0 | 0 |
| Other Current Liabilities | 5.14M | 31.93M |
| Deferred Taxes | 1000K | 1000K |
| Other Liabilities | 652.56M | 942.71M |
| Total Equity | 133.97M | 162.39M |
| Equity Growth % | - | 0.21% |
| Shareholders Equity | 133.97M | 162.39M |
| Minority Interest | 0 | 0 |
| Retained Earnings | 124.71M | 152.43M |
| Common Stock | 10.29M | 10.29M |
| Accumulated OCI | -1.03M | -327K |
| Return on Equity (ROE) | 0.28% | 0.27% |
| Return on Assets (ROA) | 0.04% | 0.04% |
| Equity / Assets | - | - |
| Debt / Equity | 0.05x | 0.02x |
| Book Value per Share | 6.84 | 8.29 |
| Tangible BV per Share | - | - |
| Dec 2023 | Dec 2024 | |
|---|---|---|
| Cash from Operations | 64.44M | 148.91M |
| Operating CF Growth % | - | 1.31% |
| Operating CF / Revenue % | - | - |
| Net Income | 37.8M | 39.74M |
| Depreciation & Amortization | 1.22M | 2.84M |
| Stock-Based Compensation | 0 | 0 |
| Deferred Taxes | 1.11M | -2.11M |
| Other Non-Cash Items | -69.4M | -2.2M |
| Working Capital Changes | 93.71M | 110.64M |
| Cash from Investing | -1.84M | -19.37M |
| Capital Expenditures | -756K | -1.31M |
| Acquisitions | 0 | 0 |
| Purchase of Investments | -50.12M | -103.24M |
| Sale/Maturity of Investments | 1000K | 1000K |
| Other Investing | 0 | 0 |
| Cash from Financing | -2.35M | -12.44M |
| Dividends Paid | -1.84M | -12.02M |
| Share Repurchases | 0 | 0 |
| Stock Issued | 0 | 0 |
| Debt Issuance (Net) | -515K | -412K |
| Other Financing | 0 | 0 |
| Net Change in Cash | 60.24M | 117.1M |
| Exchange Rate Effect | 0 | 0 |
| Cash at Beginning | 1.92M | 62.17M |
| Cash at End | 62.17M | 179.27M |
| Free Cash Flow | 63.68M | 147.6M |
| FCF Growth % | - | 1.32% |
| FCF Margin % | - | - |
| FCF per Share | 3.25 | 7.54 |
| Metric | 2023 | 2024 |
|---|---|---|
| Combined Ratio | 77.72% | 75.02% |
| Medical Cost Ratio | 60.74% | 59.88% |
| Return on Equity (ROE) | 28.21% | 26.82% |
| Return on Assets (ROA) | 4.38% | 3.86% |
| Equity / Assets | 15.54% | 13.55% |
| Book Value / Share | 6.84 | 8.29 |
| Debt / Equity | 0.05x | 0.02x |
| Revenue Growth | - | 1.73% |
American Integrity Insurance Group, Inc. (AII) has a price-to-earnings (P/E) ratio of 10.2x. This may indicate the stock is undervalued or faces growth challenges.
American Integrity Insurance Group, Inc. (AII) grew revenue by 1.7% over the past year. Growth has been modest.
Yes, American Integrity Insurance Group, Inc. (AII) is profitable, generating $87.2M in net income for fiscal year 2024 (19.4% net margin).
Yes, American Integrity Insurance Group, Inc. (AII) pays a dividend with a yield of 3.11%. This makes it attractive for income-focused investors.
American Integrity Insurance Group, Inc. (AII) has a return on equity (ROE) of 26.8%. This is excellent, indicating efficient use of shareholder capital.
American Integrity Insurance Group, Inc. (AII) has a combined ratio of 75.0%. A ratio below 100% indicates underwriting profitability.