Stock fact sheet · data as of
American Integrity Insurance Group, Inc. (AII): fair value, margin of safety and Wheel Score
Ticker symbol AII · Financial Services · Insurance - Property & Casualty · United States · Blend
Is AII undervalued?
At 29.13 (close of 5 Nov 2026), AII trades 78% below the GLS average fair value of 131.80. That average comes from 9 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns American Integrity Insurance Group, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between DDM (15.01) and Payback Time (339.94). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for AII, so the nightly engine files it under Blend (value score 77, growth score 86, out of 100).
Nine valuation models for AII
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 164.23 | +464% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 43.70 | +50% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 72.57 | +149% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 17.99 | -38% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 275.38 | +845% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 207.41 | +612% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 339.94 | +1067% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 15.01 | -48% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 49.98 | +72% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -32.62 | -212% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 26.50 | -9% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
American Integrity Insurance Group, Inc. scores 8 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. On durability AII scores 6.0/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are high - ROIC 29.5%, ROE 29.6%, ROA 8.1% - with debt at 0.00 times equity and a free-cash-flow yield of 29.5%.
The dividend yield is 3.50% at a payout ratio of 45%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 7/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 30 Sep 2026.
| Piotroski F-score | 8 / 9 | ROIC | 29.5% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | 29.6% |
| Debt / equity | 0.00 | ROA | 8.1% |
| Free-cash-flow yield | 29.5% | Payout ratio | 45% |
| Institutions | 7 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 36: No options
No options are listed on American Integrity Insurance Group, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 36, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 270k shares a day on a market cap of $571M, with a beta of -0.00 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $571M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 78% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.0/10 | |
| Health | Strong | Piotroski 8/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.00, $571M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
American Integrity Insurance Group, Inc. reports earnings on 10 Nov 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Property & Casualty
The 12 companies below are the closest to American Integrity Insurance Group, Inc. by market cap within the Insurance - Property & Casualty industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ACIC American Coastal Insurance Corporation | 10.64 | 37.28 | +71% | 45Weak | $516M |
| DGICA Donegal Group Inc. | 19.10 | 54.06 | +65% | 45Weak | $709M |
| ROOT Root, Inc. | 57.15 | 175.19 | +67% | 35Weak | $782M |
| MHLA Maiden Holdings, Ltd. 6.625 NT 2046 | 9.13 | 13.73 | +34% | 23No options | $790M |
| DGICB Donegal Group Inc. | 24.19 | 60.52 | +60% | 32No options | $791M |
| OIG Orion180 Insurance Group, Inc. Class A | 10.08 | - | - | 12No options | $394M |
| HIPO Hippo Holdings Inc. | 35.88 | 60.26 | +40% | 44Weak | $955M |
| GBLI Global Indemnity Group, LLC | 22.03 | 48.55 | +55% | 31No options | $323M |
| NODK NI Holdings, Inc. | 15.46 | 7.83 | -98% | 17No options | $315M |
| HRTG Heritage Insurance Holdings, Inc. | 35.73 | 200.07 | +82% | 83Good | $1.1B |
| KINS Kingstone Companies, Inc. | 20.08 | 81.67 | +75% | 51Fair | $291M |
| BOW Bowhead Specialty Holdings Inc. | 34.10 | 98.36 | +65% | 33No options | $1.1B |
⚖ Compare AII with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about AII
Is AII undervalued right now?
By the GLS models, yes: at 29.13 the stock is 78% below the average fair value of 131.80 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of AII and what does it mean?
AII has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for AII?
131.80 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does American Integrity Insurance Group, Inc. report earnings next?
The next earnings report is due on 10 Nov 2026 (after the close), 5 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does AII have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on AII, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.