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American Integrity Insurance Group stock

AIINYSE

American Integrity Insurance Group, Inc., Financial ServicesISIN US0269481091

$28.42▼ $0.99 (−3.4%)Closing price of 12 Nov 2026

81Score 81 out of 100, Strong

Turn on early warning

Price and trend

82 / 100

Price history

+16% in one year

The chart shows daily closes over 2 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.

Long-term trend

Above the 200-day line: the price is 33% above it.

Trend change

Since August 2026 the 50-day line has been above the 200-day line; the trend has turned up.

Momentum

Normal: the price is neither overheated nor sold off (RSI 48).

Distance to the high

The price is 3.7% below its 52-week high. Largest decline in 2 years: 38% (November 2025 to May 2026).

Chart figures for advanced users
SMA 50$27.09
Average price of the last 50 trading days, shows the short-term trend.
SMA 200$21.31
Average price of the last 200 trading days, shows the long-term trend.
RSI (14)48
Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
MACDbelow the signal line
Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
Support$16.36
The lowest closing price of the last twelve months.
Resistance$29.52
The highest closing price of the last twelve months.
What would $1,000 in American Integrity Insurance Group have become?Return triangle for American Integrity Insurance Group
Market cap
$556.89M
Div. yield
no dividend
5.4
on reported earnings of the last twelve months
8.3
on earnings for the next twelve months ($3.42 per share)
Fair value
$78.41

Snapshot

Computed from the data by fixed rules, no AI

  • American Integrity Insurance Group, Inc. belongs to the Insurance (Property & Casualty) industry (United States) and, with a market value of $556.89M, is number 54 of 58 companies in its industry on MEQIRI.
  • In fiscal 2025 it reported revenue of $276.49M (up 35.3% year on year) and earnings of $99.62M (up 150.7%).
  • MEQIRI Score 81 out of 100 (Strong): rank 58 of 975 in Financial Services, median 68.
Show more
  • The P/E is 5.4 (Insurance (Property & Casualty) median 12.3, own median of recent years 3.6).
  • Our model puts fair value at $78.41, with the price 64% below it.

In plain words

The numbers on this page in plain words, written by an AI

Strengths

  • High return on equityReturn on equity 27.9% over the last 12 months.Profitability 92
  • Below fair valuePrice 64% below the fair value of $78.41.Valuation 100

Weaknesses

  • Analysts expect falling earningsDown 23.4% a year through 2027 (estimates from 4 analysts).Growth 50
81/ 100
MEQIRI Score
Strong

Its standout strengths are fundamentals and valuation.

Daily figure as of 13 Nov 2026

How the score is calculated

Score overview

Score since yesterday from 82 to 81.

The fundamentals are strong overall.

Profit consistency100% of years
Cash conversion (free cash flow to earnings)not used for financials
ROE (12 months)27.9%
Positive free cash flownot used for financials
How this category is measured

Score history

The full history of up to 20 years comes with MEQIRI Pro.

See plans

Valuation

Valuation signal

Significantly undervalued
Price
$28.42
Fair value
$78.41
Gap to fair value
−64%

In our model the price counts as cheap below $56.01 and expensive above $130.68 (uncertainty high, based on the price swings of the past year).

The two parts of the fair value come to $92.01 (excess return model) and $64.81 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.

Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $70.74, at 7.8% it would be $89.91.

Valuation metrics

1.51
27.9%
last 12 months, profit over average equity
Fair value (model)
$78.41
Earnings part $64.81 (earnings per share $5.25 × 12.3)

Half from the excess return model, half from earnings times the industry P/E (12.3).

Calculate with your own assumptions

Company performance

This shows several years of history with an automatic assessment.

Revenue

3 years

In the twelve months to 30 Sep 2026, revenue rose 40.7% on the twelve months before. Revenue has grown strongly since 2023, at around 17% per year.

Margins

3 years
  • Operating margin
  • Net margin

In fiscal 2025: operating 42%, net 36%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 27%.

Debt & balance sheet

latest quarter
0.09
Equity
$369.52M
260.83
Cash & equivalents
$519.01M

For banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.

Earnings

Next earnings
23 Feb 2027in 102 days
Last reported
10 Nov 2026EPS reported $1.44 (expected $0.68)above expectations

Analyst estimates

Earnings estimates have barely changed since 15 Oct 2026.

Fiscal 20264 analysts
Earnings per share
$4.300.0%
Revenue
$1.02B0.0%
Fiscal 20274 analysts
Earnings per share
$3.280.0%
Revenue
$1.08B0.0%

MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.

Company outlook confirmed

Share price after the results: +18.9%

No guidance change: catastrophe reinsurance costs stay at $430 million to $440 million, investment structure as before.

Supporting passage from the call, verbatim
“Before turning things over to Brian, I want to briefly remind investors that our expected annual catastrophe reinsurance costs remains consistent with the $430 million to $440 million range we provided in connection with our June 1 renewal announcement.”

The outlook is not part of the score and not a recommendation to buy or sell.

From the earnings call on 12 Aug 2026 (fiscal Q2 2026), read by AI.

Insiders

Open-market purchases and sales by executives, board members and major holders

All insider purchases
Cluster buy

4 insiders bought on the open market between 22 May 2026 and 9 Jun 2026, $2.5M in total. One insider sold, $17.46M in total.

Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.

  • Ritchie Robert CSale

    14 Oct 2026, Chief Executive Officer

    Shares
    26,436
    Price
    $27.23
    Value
    $719,852
  • Ritchie Robert CSale

    13 Oct 2026, Chief Executive Officer

    Shares
    50,700
    Price
    $27.41
    Value
    $1.39M
  • Ritchie Robert CSale

    12 Oct 2026, Chief Executive Officer

    Shares
    69,727
    Price
    $27.12
    Value
    $1.89M
Show 26 more
  • Ritchie Robert CSale

    9 Oct 2026, Chief Executive Officer

    Shares
    3,137
    Price
    $27.05
    Value
    $84,856
  • Ritchie Robert CSale

    31 Aug 2026, Chief Executive Officer

    Shares
    9,174
    Price
    $25.92
    Value
    $237,790
  • Ritchie Robert CSale

    28 Aug 2026, Chief Executive Officer

    Shares
    6,000
    Price
    $26.50
    Value
    $159,000
  • Ritchie Robert CSale

    27 Aug 2026, Chief Executive Officer

    Shares
    10,000
    Price
    $26.35
    Value
    $263,500
  • Ritchie Robert CSale

    26 Aug 2026, Chief Executive Officer

    Shares
    54,365
    Price
    $26.63
    Value
    $1.45M
  • Ritchie Robert CSale

    25 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    65,000
    Price
    $26.29
    Value
    $1.71M
  • Ritchie Robert CSale

    24 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    45,461
    Price
    $26.30
    Value
    $1.2M
  • Ritchie Robert CSale

    21 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    24,614
    Price
    $25.68
    Value
    $632,181
  • Ritchie Robert CSale

    20 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    35,000
    Price
    $25.08
    Value
    $877,800
  • Ritchie Robert CSale

    19 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    6,000
    Price
    $25.24
    Value
    $151,440
  • Ritchie Robert CSale

    18 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    12,000
    Price
    $25.34
    Value
    $304,080
  • Ritchie Robert CSale

    17 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    55,000
    Price
    $24.92
    Value
    $1.37M
  • Ritchie Robert CSale

    14 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    20,402
    Price
    $24.12
    Value
    $492,096
  • Ritchie Robert CSale

    13 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    50,000
    Price
    $23.65
    Value
    $1.18M
  • Ritchie Robert CSale

    12 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    38,260
    Price
    $23.08
    Value
    $883,191
  • Ritchie Robert CSale

    10 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    5,800
    Price
    $20.72
    Value
    $120,176
  • Ritchie Robert CSale

    7 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    12,959
    Price
    $21.01
    Value
    $272,269
  • Ritchie Robert CSale

    6 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    36,965
    Price
    $20.83
    Value
    $769,981
  • Ritchie Robert CSale

    4 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    30,000
    Price
    $20.85
    Value
    $625,500
  • Ritchie Robert CSale

    3 Aug 2026, 10 percent owner, officer: Chief Executive Officer

    Shares
    33,000
    Price
    $20.68
    Value
    $682,440
  • Sowell James EPurchase

    9 Jun 2026, Major holder

    Shares
    79,497
    Price
    $16.85
    Value
    $1.34M
  • Sowell James EPurchase

    8 Jun 2026, Major holder

    Shares
    33,628
    Price
    $16.91
    Value
    $568,649
  • Sowell James EPurchase

    5 Jun 2026, Major holder

    Shares
    23,231
    Price
    $16.92
    Value
    $393,069
  • Mathis Steven BPurchase

    26 May 2026, Board

    Shares
    3,000
    Price
    $16.82
    Value
    $50,460
  • Smathers Steven EPurchase

    22 May 2026, Board

    Shares
    2,900
    Price
    $16.99
    Value
    $49,271
  • Clark David LewisPurchase

    22 May 2026, Chairman

    Shares
    5,830
    Price
    $17.15
    Value
    $99,984

Partial trades from one filing are shown in one row, with the average price.

Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.

What happened at American Integrity Insurance Group

The key events of the last six months from our own data. A click takes you to the matching card.

Sector comparison

975 rated companies in Financial Services

Rank 58 of 975
58/ 975
This company
81
Sector median
68

Categories against the sector median

ProfitabilityMedian of 975 companies92 (median 57)35 above the median
GrowthMedian of 975 companies50 (median 67)17 below the median
FundamentalsMedian of 975 companies100 (median 80)20 above the median
ValuationMedian of 928 companies with a value100 (median 74)26 above the median
StabilityMedian of 975 companies76 (median 78)2 below the median
Capital allocationMedian of 975 companies77 (median 56)21 above the median
Technical analysisMedian of 975 companies82 (median 68)14 above the median
MomentumMedian of 975 companies74 (median 69)5 above the median

The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.

Competitors in Insurance (Property & Casualty)

The next larger and next smaller companies by market value

All 58 Insurance (Property & Casualty) stocks

ETFs that hold American Integrity Insurance Group

Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.

ETFWeightCostFund size
Avantis Global Small Cap Value UCITS ETFAVWS0.02%0.39%€1.49B
State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR0.02%0.30%€4.28B
Xtrackers Russell 2000 UCITS ETF 1CXRS20.01%0.30%€2.22B

Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).

Data status and sources

Score
Daily value of 13 Nov 2026, recalculated nightly
Price
Closing price of 12 Nov 2026
Latest annual report
Fiscal year 2025, period end 31 Dec 2025
Source
Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Original filings at the SECReport a data error

Mandatory disclosures for this rating

  • ; time horizon around 12 months
  • Rated Strong, published since 7 Nov 2026 (in the score history since 5 Jun 2026)
  • Valuation signal Undervalued since 7 Nov 2026
  • End-of-day prices, metrics cached for up to 24 hours
  • Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
  • Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
  • Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.
Full disclosures, methodology and data sourcesAll ratings of the last 12 monthsHow the score is calculated

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