American Integrity Insurance Group, Inc. (AII) Financial Ratios
3 years of historical data (2023–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
1.07
↓-20% vs avg
5yr avg: 1.33
30Y Low1.3·High1.3
P/FCF
2.47
-9% vs avg
5yr avg: 2.70
30Y Low2.7·High2.7
P/B Ratio
0.86
↓-20% vs avg
5yr avg: 1.07
30Y Low1.1·High1.1
ROE
↑
39.9%
↓+26% vs avg
5yr avg: 31.6%
30Y Low27%·High40%
Debt/EBITDA
↓
0.01
↓-87% vs avg
5yr avg: 0.07
30Y Low0.0·High0.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
AII Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
American Integrity Insurance Group, Inc. trades at 3.0x earnings, 20% below its 5-year average of 3.7x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 78%. On a free-cash-flow basis, the stock trades at 2.5x P/FCF, 9% below the 5-year average of 2.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Market Cap | $328M | $359M | — | — |
| Enterprise Value | $126M | $156M | — | — |
| P/E Ratio → | 2.97 | 3.69 | — | — |
| P/S Ratio | 1.19 | 1.30 | — | — |
| P/B Ratio | 0.86 | 1.07 | — | — |
| P/FCF | 2.47 | 2.70 | — | — |
| P/OCF | 2.38 | 2.60 | — | — |
P/E links to full P/E history page with 30-year chart
AII EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
American Integrity Insurance Group, Inc.'s enterprise value stands at 1.1x EBITDA, 20% below its 5-year average of 1.3x. The Financial Services sector median is 11.4x, placing the stock at a 91% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| EV / Revenue | — | 0.56 | — | — |
| EV / EBITDA | 1.07 | 1.33 | — | — |
| EV / EBIT | 1.09 | 1.36 | — | — |
| EV / FCF | — | 1.17 | — | — |
AII Profitability
Margins and return-on-capital ratios measuring operating efficiency
American Integrity Insurance Group, Inc. earns an operating margin of 41.6%, significantly above the Financial Services sector average of 20.3%. Operating margins have expanded from 22.3% to 41.6% over the past 3 years, signaling improving operational efficiency. Return on equity of 39.9% is exceptionally high — well above the sector median of 9.0%. ROIC of 135.9% represents excellent returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Gross Margin | 64.5% | 64.5% | 40.1% | 39.3% |
| Operating Margin | 41.6% | 41.6% | 25.0% | 22.3% |
| Net Profit Margin | 36.0% | 36.0% | 19.4% | 18.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| ROE | 39.9% | 39.9% | 26.8% | 28.2% |
| ROA | 8.2% | 8.2% | 3.9% | 4.4% |
| ROIC | 135.9% | 135.9% | 107.5% | 42.8% |
| ROCE | 9.9% | 9.9% | 5.4% | 5.6% |
AII Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
American Integrity Insurance Group, Inc. carries a Debt/EBITDA ratio of 0.0x, which is very conservative (100% below the sector average of 4.3x). The company holds a net cash position — cash of $204M exceeds total debt of $1M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Debt / Equity | 0.00 | 0.00 | 0.02 | 0.05 |
| Debt / EBITDA | 0.01 | 0.01 | 0.07 | 0.13 |
| Net Debt / Equity | — | -0.60 | -1.04 | -0.41 |
| Net Debt / EBITDA | -1.73 | -1.73 | -3.15 | -1.21 |
| Debt / FCF | — | -1.52 | -1.15 | -0.87 |
| Interest Coverage | — | — | — | — |
Net cash position: cash ($204M) exceeds total debt ($1M)
AII Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
American Integrity Insurance Group, Inc.'s current ratio of 92.89x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 12.69x to 92.89x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Current Ratio | 92.89 | 92.89 | — | 12.69 |
| Quick Ratio | 92.89 | 92.89 | — | 12.69 |
| Cash Ratio | 76.08 | 76.08 | 2.96 | 3.86 |
| Asset Turnover | — | 0.23 | 0.17 | 0.23 |
| Inventory Turnover | — | — | — | — |
| Days Sales Outstanding | — | — | — | — |
AII Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
American Integrity Insurance Group, Inc. returns 7.9% to shareholders annually primarily through dividends. The payout ratio of 23.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 33.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Dividend Yield | 7.9% | 6.4% | — | — |
| Payout Ratio | 23.0% | 23.0% | 30.3% | 4.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Earnings Yield | 33.7% | 27.1% | — | — |
| FCF Yield | 40.6% | 37.1% | — | — |
| Buyback Yield | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 7.9% | 6.4% | — | — |
| Shares Outstanding | — | $17M | $20M | $20M |
Peer Comparison
Compare AII with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 AIIYou | $328M | 3.0 | 1.1 | 2.5 | 64.5% | 41.6% | 39.9% | 135.9% | 0.0 |
 HCI | $2B | 6.6 | 2.2 | 4.8 | 73.2% | 47.7% | 37.8% | 675.0% | 0.2 |
 UPC | $2M | -0.0 | — | — | 35.3% | -16.3% | -7.2% | -7.8% | — |
 HRTG | $706M | 3.7 | 0.9 | 4.1 | 63.0% | 30.6% | 49.1% | 1539.6% | 0.4 |
 ALL | $57B | 5.8 | 4.7 | 5.8 | 33.2% | 19.8% | 39.6% | 29.8% | 0.5 |
 TRV | $67B | 11.2 | 8.8 | — | 44.3% | 16.0% | 20.7% | 15.3% | 1.1 |
 CB | $126B | 12.6 | 10.9 | 8.7 | 29.4% | 21.8% | 13.9% | 10.8% | 1.7 |
 PGR | $120B | 14.2 | 11.5 | 8.1 | 27.7% | 14.2% | 37.0% | 27.0% | 0.6 |
 CINF | $26B | 11.2 | 8.2 | 8.6 | 50.1% | 23.6% | 16.0% | 15.3% | 0.3 |
 UFG | $24M | -18.9 | — | — | 1.8% | -0.6% | -21.1% | -49.9% | — |
 RNR | $13B | 5.3 | 3.4 | 3.5 | 40.7% | 31.5% | 14.6% | 16.0% | 0.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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AII — Frequently Asked Questions
Quick answers to the most common questions about buying AII stock.
What is American Integrity Insurance Group, Inc.'s P/E ratio?
American Integrity Insurance Group, Inc.'s current P/E ratio is 3.0x. The historical average is 3.7x.
What is American Integrity Insurance Group, Inc.'s EV/EBITDA?
American Integrity Insurance Group, Inc.'s current EV/EBITDA is 1.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 1.3x.
What is American Integrity Insurance Group, Inc.'s ROE?
American Integrity Insurance Group, Inc.'s return on equity (ROE) is 39.9%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 31.6%.
Is AII stock overvalued?
Based on historical data, American Integrity Insurance Group, Inc. is trading at a P/E of 3.0x. Compare with industry peers and growth rates for a complete picture.
What is American Integrity Insurance Group, Inc.'s dividend yield?
American Integrity Insurance Group, Inc.'s current dividend yield is 7.92% with a payout ratio of 23.0%.
What are American Integrity Insurance Group, Inc.'s profit margins?
American Integrity Insurance Group, Inc. has 64.5% gross margin and 41.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does American Integrity Insurance Group, Inc. have?
American Integrity Insurance Group, Inc.'s Debt/EBITDA ratio is 0.0x, indicating low leverage. A ratio below 2x is generally considered financially healthy.