NYSE
AII
Last Price
US $19.03
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
American Integrity Insurance Group, Inc. cash flow to debt ratio of 12.84K% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial risk - Healthy cash flow growth.
American Integrity Insurance Group, Inc.'s free cash flow has decreased -9.77% from $147.60M last year to $133.18M, signaling decreasing performance
Financial stability - Healthy debt to equity ratio.
American Integrity Insurance Group, Inc.'s debt to equity ratio is 0.10, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
American Integrity Insurance Group, Inc.'s debt has increased relative to shareholder equity from 0.02 last year to 0.10 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
American Integrity Insurance Group, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
American Integrity Insurance Group, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
American Integrity Insurance Group, Inc.'s profit margin has increased (41.69%) in the last year from 19.45% to 27.56%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
American Integrity Insurance Group, Inc.'s short-term assets of $248.93M exceed its short-term liabilities of $2.68M
Increasing performance - ROA.
American Integrity Insurance Group, Inc.'s return on assets of 6.93% is higher than the 5.00% threshold, indicating efficient asset utilization
Increasing performance - Absolute return on equity.
American Integrity Insurance Group, Inc.'s return on equity of 25.25%, is higher than 15.00%, indicating good performance
Increasing performance - Earnings quality.
American Integrity Insurance Group, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
American Integrity Insurance Group, Inc. had positive net income in 3.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
American Integrity Insurance Group, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
American Integrity Insurance Group, Inc. has a free cash flow yield of 36.31%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
American Integrity Insurance Group, Inc.'s yearly earnings has increased 150.67% since last year from $39.74M to $99.62M, signaling increasing performance
Increasing performance - Healthy revenue growth.
American Integrity Insurance Group, Inc.'s yearly revenue has increased 35.30% since last year from $204.35M to $276.49M, signaling increasing performance
Increasing performance - ROIC.
ROIC 20.64% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Decreasing performance - 3-year revenue CAGR.
American Integrity Insurance Group, Inc. has insufficient revenue history to calculate 3-year revenue CAGR.
Decreasing performance - Revenue consistency.
American Integrity Insurance Group, Inc. had revenue growth in only 2.00 out of 5 years, indicating inconsistent revenue performance
Increasing performance - ROE consistency.
American Integrity Insurance Group, Inc. had positive ROE in 3.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
American Integrity Insurance Group, Inc. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
American Integrity Insurance Group, Inc. has an earnings yield of 22.22%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
American Integrity Insurance Group, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Undervalued - EV/EBITDA.
American Integrity Insurance Group, Inc. has an EV/EBITDA ratio of 2.24x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
American Integrity Insurance Group, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
American Integrity Insurance Group, Inc. has a price-to-book ratio of 1.09x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
American Integrity Insurance Group, Inc. has a price-to-sales ratio of 1.24x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
25.25%
Return on equity
ROIC: 20.64%
Valuation History
4.3X
Price to Earnings
EV/EBITDA: 2.2X
Cash flow
Profit margin
-
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
Fair Value
Market $19.03
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Default assumptions
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