American Integrity Insurance Group, Inc. (AII) Financial Ratios
2 years of historical data (2023–2024) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
3.87
—
5yr avg: N/A
P/FCF
2.56
—
5yr avg: N/A
P/B Ratio
2.33
—
5yr avg: N/A
ROE
↓
26.8%
-3% vs avg
5yr avg: 27.5%
30Y Low27%·High28%
Debt/EBITDA
↓
0.07
↓-32% vs avg
5yr avg: 0.10
30Y Low0.1·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 10.0x earnings, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 26%. On a free-cash-flow basis, the stock trades at 2.6x P/FCF.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Market Cap | $378M | — | — |
| Enterprise Value | $208M | — | — |
| P/E Ratio → | 9.95 | — | — |
| P/S Ratio | 1.85 | — | — |
| P/B Ratio | 2.33 | — | — |
| P/FCF | 2.56 | — | — |
| P/OCF | 2.54 | — | — |
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 3.9x EBITDA. The Financial Services sector median is 11.4x, placing the stock at a 66% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| EV / Revenue | — | — | — |
| EV / EBITDA | 3.87 | — | — |
| EV / EBIT | 4.08 | — | — |
| EV / FCF | — | — | — |
AII Profitability
Margins and return-on-capital ratios measuring operating efficiency
American Integrity Insurance Group, Inc. earns an operating margin of 25.0%, above the Financial Services sector average of 21.2%. Operating margins have expanded from 22.3% to 25.0% over the past 3 years, signaling improving operational efficiency. ROE of 26.8% indicates solid capital efficiency, compared to the sector median of 9.4%. ROIC of 107.5% represents excellent returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Gross Margin | 40.1% | 40.1% | 39.3% |
| Operating Margin | 25.0% | 25.0% | 22.3% |
| Net Profit Margin | 19.4% | 19.4% | 18.8% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| ROE | 26.8% | 26.8% | 28.2% |
| ROA | 3.9% | 3.9% | 4.4% |
| ROIC | 107.5% | 107.5% | 42.8% |
| ROCE | 5.4% | 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 0.1x, which is very conservative (98% below the sector average of 4.1x). The company holds a net cash position — cash of $173M exceeds total debt of $4M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Debt / Equity | 0.02 | 0.02 | 0.05 |
| Debt / EBITDA | 0.07 | 0.07 | 0.13 |
| Net Debt / Equity | — | -1.04 | -0.41 |
| Net Debt / EBITDA | -3.15 | -3.15 | -1.21 |
| Debt / FCF | — | -1.15 | -0.87 |
| Interest Coverage | — | — | — |
Net cash position: cash ($173M) exceeds total debt ($4M)
AII Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Current Ratio | — | — | 12.69 |
| Quick Ratio | — | — | 12.69 |
| Cash Ratio | 2.96 | 2.96 | 3.86 |
| Asset Turnover | — | 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 3.2% to shareholders annually primarily through dividends. The payout ratio of 30.3% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 10.0% (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 2024 | FY 2023 |
|---|---|---|---|
| Dividend Yield | 3.2% | — | — |
| Payout Ratio | 30.3% | 30.3% | 4.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 |
|---|---|---|---|
| Earnings Yield | 10.0% | — | — |
| FCF Yield | 39.0% | — | — |
| Buyback Yield | 0.0% | — | — |
| Total Shareholder Yield | 3.2% | — | — |
| Shares Outstanding | — | $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 | $378M | 10.0 | 3.9 | 2.6 | 40.1% | 25.0% | 26.8% | 107.5% | 0.1 |
 HCI | $2B | 6.2 | 2.0 | 4.5 | 73.2% | 47.7% | 37.8% | 679.0% | 0.2 |
 UPC | $2M | -0.0 | — | — | 35.3% | -16.3% | -7.2% | -7.8% | — |
 HRTG | $888M | 14.3 | 6.3 | 11.3 | 21.9% | 10.1% | 24.1% | — | 1.5 |
 ALL | $56B | 5.7 | 4.6 | 5.7 | 33.2% | 19.8% | 39.6% | 29.8% | 0.5 |
 TRV | $65B | 11.0 | 8.7 | — | 44.3% | 16.0% | 20.7% | 15.3% | 1.1 |
 CB | $126B | 12.5 | 10.9 | 8.6 | 29.4% | 21.8% | 13.9% | 10.8% | 1.7 |
 PGR | $115B | 13.7 | 11.1 | 7.8 | 27.7% | 14.2% | 37.0% | 27.0% | 0.6 |
 CINF | $25B | 10.6 | 7.8 | 8.1 | 50.1% | 23.6% | 16.0% | 15.3% | 0.3 |
 UFG | $26M | -20.3 | — | — | 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 | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
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Start ComparisonAII — 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 10.0x. This places it at the 50th percentile of its historical range.
What is American Integrity Insurance Group, Inc.'s EV/EBITDA?
American Integrity Insurance Group, Inc.'s current EV/EBITDA is 3.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA.
What is American Integrity Insurance Group, Inc.'s ROE?
American Integrity Insurance Group, Inc.'s return on equity (ROE) is 26.8%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 27.5%.
Is AII stock overvalued?
Based on historical data, American Integrity Insurance Group, Inc. is trading at a P/E of 10.0x. This is at the 50th percentile of its historical P/E range. 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 3.18% with a payout ratio of 30.3%.
What are American Integrity Insurance Group, Inc.'s profit margins?
American Integrity Insurance Group, Inc. has 40.1% gross margin and 25.0% 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 0.1x, indicating low leverage. A ratio below 2x is generally considered financially healthy.