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Upturn AI Summary - About
American Integrity Insurance Group, Inc.(AII)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AII
11/06/2026: AII (3-star) is a REGULAR-BUY. BUY for 92 days. Simulated Profits (43.12%). Updated daily EoD!
American Integrity Insurance Group is a publicly traded property and casualty insurer specializing in residential property coverage, particularly in the Southeastern United States. The company has distinguished itself through a focus on disciplined, data-driven underwriting and strong financial stability ratings, which are crucial in a catastrophe-prone market. Its primary growth story revolves around regional expansion and diversification into commercial residential products. Key risks include heavy reliance on reinsurance and exposure to severe weather events, alongside stiff competition from national insurers. The stock may suit growth-oriented investors looking for exposure to the regional insurance market, though it is less suitable for those prioritizing stable dividend income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company is in an early-stage growth phase as a public entity with clear plans for regional expansion. |
| Momentum investor | Strong fit while signal remains positive | The stock has shown strong post-IPO performance and consistent earnings beats. |
| Value investor | Mixed fit | While current P/E ratios may appear attractive, the insurance sector's inherent volatility requires cautious valuation. |
| Dividend investor | Weak fit | The company is currently prioritizing capital reinvestment for growth over dividend distribution. |
| Low-risk investor | Weak fit | The company operates in a high-risk insurance category (Florida/Southeast property) sensitive to natural disasters. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is susceptible to news regarding catastrophe seasons and insurance market regulations. |
| Valuation risk | Medium | As a newer public company, market sentiment can significantly swing its valuation relative to fundamental performance. |
| Competition risk (P&C Insurance) | High | Strong competition from both national players and local incumbents could pressure margins. |
| Business quality | Medium | The business relies heavily on effective reinsurance and accurate risk modeling. |
| Dividend income | Low / none | The company currently does not offer a regular dividend to shareholders. |
| Execution risk | Medium | Success depends on the ability to scale into new states without compromising underwriting standards. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 42.94% | Avg. Invested days 76 | Today’s Advisory Regular Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 528.09M USD | Price to earnings Ratio 6.1 | 1Y Target Price 28.25 |
Price to earnings Ratio 6.1 | 1Y Target Price 28.25 | ||
Volume (30-day avg) 196.4K shares | Beta - | 52 Weeks Range 16.19 - 30.00 | Updated Date 11/08/2026 |
52 Weeks Range 16.19 - 30.00 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.42 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Residential Property Insurance | Premiums earned from homeowners, condo, and investment property insurance policies. | The company makes money by collecting premiums from property owners and managing claims effectively. |
| Specialty Insurance Products | Premiums from manufactured home and commercial residential policies. | Niche insurance products provide additional revenue streams and diversify the company's risk profile. |
Earnings Date
Report Date 2026-11-10 | When After Market | Estimate 0.49 | Actual - |
Profitability
Profit Margin 26.2% | Operating Margin (TTM) 40.31% |
Management Effectiveness
Return on Assets (TTM) 4.69% | Return on Equity (TTM) 26.24% |
Valuation
Trailing PE 6.1 | Forward PE 8.37 | Enterprise Value 273.11M | Price to Sales(TTM) 1.57 |
Enterprise Value 273.11M | Price to Sales(TTM) 1.57 | ||
Enterprise Value to Revenue 0.81 | Enterprise Value to EBITDA - | Shares Outstanding 19.60M | Shares Floating 12.32M |
Shares Outstanding 19.60M | Shares Floating 12.32M | ||
Percent Insiders 36.14 | Percent Institutions 60.47 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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