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Who We Are We are a profitable and growing insurance group headquartered in Tampa, Florida. Through our insurance carrier subsidiary, American Integrity Insurance Company ( AIIC ), we provide personal residential property insurance for single- family homeowners and condominium owners, as well as coverage for vacant dwellings and investment properties, predominantly in Florida.
$18.79
+$0.13 (+0.70%)
Live · 05:19 PM
36.03% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 35.3% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
4.8x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$296M
▲ +35.3% YoY
Net Income (TTM)
$81M
▲ +150.7% YoY
Net Margin
27.56%
P/E
4.8x
Balance Sheet
Total Assets
$1.18B
Equity
$335M
Total Debt
$33M
Cash & Equiv.
$174M
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At a P/E of 4.8 and a price-to-free-cash-flow of 5.2, American Integrity Insurance Group (AII) trades below a two-stage DCF intrinsic value of about $69.77 per share, so at $18.79 the stock looks undervalued (271.3% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, American Integrity Insurance Group scores 89/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $69.77 per share for AII, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $52.33. At today's $18.79, that puts the stock about 271.3% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
American Integrity Insurance Group scores 89 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. AII currently trades below its estimated intrinsic value and scores 89/100 on quality (high-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.