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Stock Ratings / Financials / AII
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American Integrity Insurance Group Inc. (AII) — RQD Stock Rating Cockpit

$29.50 +0.82% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $29.61

American Integrity Insurance Group Inc. (AII) earns a Roarable Rating of B+ (Buy) with 78/100 RQD Confidence. High-quality cash engine (steady margins, 30% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B+ • BUY Cap $578.1M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AII Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AII stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, American Integrity Insurance Group Inc. (NYSE: AII) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 78/100 at a spot price of $29.50 (+0.82% 1D, market cap $578.1M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 17/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, AII ranks #17 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AII compare to TIPT and ACIC in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), AII carries a Roarable B+ (78/100 RQD), trailing P/E of 5.6x, gross margin of —, and ROIC of 29.6%. By comparison, TIPT (Tiptree Inc.) holds a D- grade (41/100 RQD, P/E 18.0x, ROIC -6.8%, cap $640.7M) and ACIC (American Coastal Insurance Corporation) posts a B- grade (70/100 RQD, P/E 4.8x, ROIC 85.0%, cap $515.3M). Among the 5-stock peer group, ACIC leads on earnings multiple (4.8x) while ACIC leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AII?
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Per AII's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002007587), American Integrity Insurance Group Inc. generated $276.5M in revenue (+35.3% YoY), $99.6M in net income, and $133.2M in free cash flow against $1.23B in total assets and $206.0K in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $29.62 (+0.39%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 48.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 78/100 (B+) historically ranked in the Top 10% of excess returns over the next 90 days (+7.9% avg 90D alpha vs SPY • 70.6% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B+
025507510078
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B+ · Rk B
Cash (14)Whales (16)SEC (13)Macro (17)CEO (18)
Each axis scored 0–20
12M PRICE TARGET CONE+9% Base Target
$38 Bull$32 Base$24 Bear
📬 FREE AII RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AII)Realized 20D OHLCV Swing Band: ±6.2%
Deterministic 5-Pillar Attribution (78/100 Composite)
🔍 WHY AII SCORES 78/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+17/20 pts (22% of score)

FRED Regime × Technicals: 99% of 52W Range • RSI-14 at 63.3 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
70
Grade B$27.55+4.4% Next Q
Q2 (-2Q)
73
Grade B$28.77-2.7% Next Q
Q3 (-1Q)
75
Grade B+$28.00+5.4% Next Q
Current
78
Grade B+$29.50+7.9% Hist 90D α
Trajectory: B (70) → B+ (78)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AII Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 78/100 (B+) score, AII faces multiple-compression risk if 5.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($26.86) or 200D SMA ($21.03) invalidates the momentum regime and cuts Target Base ($32.16) toward Bear Floor ($24.19).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AII• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “AII Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 78%NO 22%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
63.330 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE99% OF RANGE
L: $16$29.50H: $30
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: A-RQD 34 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 30 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bullish on AII

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (70)

29.6% ROIC with 42.0% gross margin and 23.67% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (85)

34/40 institutional & smart-money positioning score with 17/20 macro alignment.

Bull Case: Why Buyers Like AII
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (AII Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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AII // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +50.36%⚡ TESTING RESISTANCE
2026-11-04O $29.26H $29.50L $29.26C $29.50VOL 139.5K
RES: $29.87SUP: $20.16SMA50: $26.86SMA200: $21.03
$30.45$26.59$22.72$18.86$14.99RES $29.87SUP $20.16$29.502026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AII Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AII Butterfly Map → + Track AII →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-12.0%/yr Implied 5Y Growth

vs. +35.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on AII today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AII. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for AII today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AII)

Financials Rank #17 of 1097 ⚔️ TIPT vs AII Full Matrix →

1. Head-to-Head Financials Peer Comparison (AII vs. TIPT, ACIC, GLRE, DGICA)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, American Integrity Insurance Group Inc. (AII) ranks #17 by composite RQD confidence (78/100, grade B+) and #672 by equity capitalization ($578.1M). Within this direct 5-issuer industry benchmark cohort, ACIC leads on earnings valuation at 4.8x trailing P/E, while ACIC leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. AII currently leads its immediate peer cohort in composite quantitative strength at 78/100 (B+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
AII ACTIVE
American Integrity Insurance Group Inc.
B+ 78/100 5.6x — 29.6% +0.82% $578.1M Benchmark Subject
TIPT
Tiptree Inc.
D- 41/100 18.0x — -6.8% +3.23% $640.7M /tipt-vs-aii →
ACIC
American Coastal Insurance Corporation
B- 70/100 4.8x — 85.0% -0.18% $515.3M /acic-vs-aii →
GLRE
Greenlight Capital Re Ltd. (Class A)
D+ 54/100 6.4x — 10.6% +2.93% $492.6M /glre-vs-aii →
DGICA
Donegal Group Inc. (Class A)
C 64/100 8.8x — 12.4% +1.20% $696.0M /dgica-vs-aii →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002007587 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), American Integrity Insurance Group Inc. (AII) reported GAAP revenue of $276.5M (+35.3% vs. FY2024 revenue of $204.4M ) , GAAP net income of $99.6M, operating cash flow of $138.2M, and free cash flow of $133.2M (-9.8% YoY). On the balance sheet, AII closed FY2025 with $1.23B in total assets against $206.0K in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $276.5M $99.6M $138.2M $133.2M $1.23B $206.0K
FY2024 (FY) 2024-12-31 $204.4M $39.7M $148.9M $147.6M $1.20B $617.0K

3. AII Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AII stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, American Integrity Insurance Group Inc. (NYSE: AII) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 78/100 at a spot price of $29.50 (+0.82% 1D, market cap $578.1M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 17/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, AII ranks #17 in composite RQD confidence.

How does AII compare to TIPT and ACIC in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), AII carries a Roarable B+ (78/100 RQD), trailing P/E of 5.6x, gross margin of —, and ROIC of 29.6%. By comparison, TIPT (Tiptree Inc.) holds a D- grade (41/100 RQD, P/E 18.0x, ROIC -6.8%, cap $640.7M) and ACIC (American Coastal Insurance Corporation) posts a B- grade (70/100 RQD, P/E 4.8x, ROIC 85.0%, cap $515.3M). Among the 5-stock peer group, ACIC leads on earnings multiple (4.8x) while ACIC leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for AII?

Per AII's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002007587), American Integrity Insurance Group Inc. generated $276.5M in revenue (+35.3% YoY), $99.6M in net income, and $133.2M in free cash flow against $1.23B in total assets and $206.0K in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is AII trading relative to its 50-day, 200-day, and 52-week technical levels?

AII last traded at $29.50 (+0.82% on volume of 139,475 shares), positioning the stock +9.83% above its 50-day simple moving average ($26.86) and +40.28% above its 200-day simple moving average ($21.03). Across its 52-week range of $16.19 to $29.52, AII sits at the 99.8% percentile with a 14-day RSI of 63.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.2% ($27.67 to $31.33).

Direct Sub-Reports: AII RQD Cockpit AII 12M Forecast AII Earnings & Move AII Dividends & DRIP AII Insiders & 13F AII Whale Options AII Profit Sankey AII News & Why
ROARABLE RATING BRIEF • RQD 78/100 (B+) ✓ SEC XBRL & RQD VERIFIED

AII — American Integrity Insurance Group Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

American Integrity Insurance Group Inc. (AII) earns a live Roarable RQD composite score of 78/100, corresponding to a B+ letter grade (Roarable Buy) at a spot price of $29.50 (+0.82% 1D, market capitalization $578.1M).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 29.6%, gross margin of —, operating margin of —, and free cash flow yield of 23.67%.
  • Whale 13F & Options Flow (16/20) + Insider Conviction (18/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (17/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. (AII) is a NYSE-listed issuer in the Financials sector, operating within the Property-Casualty Insurers industry. Specific product lines, customer segments, and revenue-generation mechanics are — The profile describes the company as a property-casualty insurer, and the financials report revenue, net income, and cash flow, but the source does not detail the underwriting model, geographic footprint, or distribution channels.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), American Integrity Insurance Group Inc. (AII) reported $276.5M in annual revenue (up from $204.4M in FY2024, +35.3% YoY) and $99.6M in GAAP net income. Over the multi-year SEC filing window from FY2024 ($204.4M revenue, $39.7M net income) through FY2025, AII scaled operating cash flow to $138.2M and free cash flow to $133.2M, backed by $1.23B in total assets against $206.0K in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B+ • RQD 78/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $16.19 – $29.52 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 5.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Property-Casualty Insurers (Financials), AII carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can AII sustain or expand its — operating margin and 29.6% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $276.5M and free cash flow of $133.2M, how will capital allocation balance growth reinvestment against $206.0K in total debt?
  • Key Question #3: How sensitive is AII's 4.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

AII Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for American Integrity Insurance Group Inc. (AII) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AII Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AII Bull vs. Bear Conversation Board — What's Your Call at $29.50?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AII 🐻 33% BEARISH CONVICTION
1. Pick Your Side on AII:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $37.75 (+29.0%)
📌 Pinned Debate

Per the Roarable RQD rating, a 29.6% ROIC, 23.67% FCF yield, and 18 of 20 insider-conviction score point to strong cash generation and

The street is overcomplicating American Integrity Insurance Group Inc. (AII). Per the Roarable RQD rating, a 29.6% ROIC, 23.67% FCF yield, and 18 of 20 insider-conviction score point to strong cash generation and smart-money support.. With an RQD score of 78/100 (B+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $31.60.

SectorRotator 🐂 BULL

@CreditSpread_Watch Fair point on 5.6x trailing P/E, but you're ignoring the forward operating leverage in Property-Casualty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $23.99 (-18.0%)
Spot @ $29.26

Per the Roarable RQD rating, the forensic balance sheet pillar scores only 13 of 20, with an Altman Z-Score of 2.5 and a Piotroski F-Sc

Sitting on the sidelines or leaning short AII above $29.26. Per the Roarable RQD rating, the forensic balance sheet pillar scores only 13 of 20, with an Altman Z-Score of 2.5 and a Piotroski F-Score of 6 of 9, and the news wire flags officer stock sales of US$3.37 Million.. Until Fundamental Cash Engine (14/20) and FCF yield (23.67%) inflect higher, upside is capped near $29.52.

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