American Integrity Insurance Group, Inc. (AII): fair value, margin of safety and Wheel Score

Is AII undervalued?

At 27.70 (close of 16 Oct 2026), AII trades 79% below the GLS average fair value of 130.58. 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.

The nightly engine files AII under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.

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.

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 Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 8.8/10 puts AII among the more durable businesses we track: over ten years the metrics the score watches (revenue, EPS, book value, margins, cash flow, ROIC) have mostly moved the right way, year after year.

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 31.0%.

The dividend yield is 3.68% 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.

Wheel Score 39: No options

No options are listed on American Integrity Insurance Group, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 233k shares a day on a market cap of $543M, 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 gives that 9 of 20.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.

Upcoming events

The next earnings report is due on 10 Nov 2026, 25 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.

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.

⚖ Compare AII with 7 of them   All Financial Services stocks →