American Integrity Insurance Group, Inc. (AII) Key Metrics
AII valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $538.9M
- Enterprise value
- $234.3M
- P/E (TTM)
- 6.2
- Forward P/E
- 7.9
- PEG ratio
- —
- Price / sales
- 1.6
- Price / book
- 1.3
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- —
AII key metrics, 2023–2025
Fiscal year ended December 31, 2025 · U.S. dollarsAII returns How much profit the business earns on the capital it uses.
AII per-share figures Results divided by the shares outstanding at year-end.
AII financial health Debt, liquidity and how easily interest is covered.
AII efficiency & capital use Working capital cycle and where the cash goes.
AII valuation history
AII returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
AII debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
AII cash returned to shareholders
AII price vs earnings per share
AII key metrics
2023–2025| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Valuation | |||
| Market capitalization | $359.0M | — | — |
| Enterprise value | −$14.3M | — | — |
| P/E ratio | 3.6 | — | — |
| Price / sales | 1.3 | — | — |
| Price / book | 1.1 | — | — |
| Price / free cash flow | 2.7 | — | — |
| Price / operating cash flow | 2.6 | — | — |
| EV / sales | -0.1 | — | — |
| Earnings yield | 27.7% | — | — |
| Free cash flow yield | 37.1% | — | — |
| Dividend yield | 6.4% | — | — |
| Shareholder yield (dividends + buybacks) | 6.4% | — | — |
| Share price at fiscal year-end | $20.83 | — | — |
| Per share | |||
| Revenue per share | $16.04 | $10.44 | $10.26 |
| Earnings per share | $5.78 | $2.03 | $1.93 |
| Operating cash flow per share | $8.02 | $7.60 | $3.29 |
| Free cash flow per share | $7.73 | $7.54 | $3.25 |
| Cash per share | $21.72 | $13.39 | $13.11 |
| Book value per share | $19.55 | $8.29 | $6.84 |
| Tangible book value per share | $19.55 | $8.29 | $6.84 |
| Dividends per share | $1.33 | $0.61 | $0.09 |
| Capex per share | $0.29 | $0.07 | $0.04 |
| Debt per share | $0.06 | $0.19 | $0.31 |
| Shares outstanding | 17.2M | 19.6M | 19.6M |
| Change in shares outstanding | −12.0% | 0.0% | — |
| Returns & profitability | |||
| Return on equity (ROE) | 39.9% | 26.8% | 28.2% |
| Return on assets (ROA) | 8.2% | 3.9% | 4.4% |
| Return on tangible assets | 8.1% | 3.3% | 4.4% |
| Free cash flow margin | 48.2% | 72.2% | 31.7% |
| Income quality (OCF / net income) | 1.39 | 3.75 | 1.70 |
| Financial health | |||
| Total debt | $1.1M | $3.6M | $6.1M |
| Cash & short-term investments | $374.4M | $262.3M | $256.8M |
| Net debt | −$373.3M | −$258.6M | −$250.7M |
| Debt / equity | 0.00 | 0.02 | 0.05 |
| Debt / assets | 0.00 | 0.00 | 0.01 |
| Net debt / EBITDA | −3.18 | −4.80 | −5.45 |
| Current ratio | 92.89 | 13.28 | 12.69 |
| Quick ratio | 92.89 | 13.28 | 12.69 |
| Working capital | $246.3M | $1.09B | $778.9M |
| Invested capital | −$36.3M | −$96.2M | −$116.8M |
| Tangible asset value | $337.0M | $162.4M | $134.0M |
| Net current asset value | −$639.1M | $141.7M | $117.5M |
| Graham number | $50.43 | $19.46 | $17.24 |
| Graham net-net per share | −$27.85 | −$19.83 | −$10.17 |
| Capital allocation | |||
| Dividends paid | $22.9M | $12.0M | $1.8M |
| Dividend payout ratio | 23.0% | 30.3% | 4.9% |
| Dividends + buybacks / free cash flow | 17.2% | 8.1% | 2.9% |
| Capex / revenue | 1.8% | 0.6% | 0.4% |
| Capex / operating cash flow | 3.6% | 0.9% | 1.2% |
| Capex / depreciation | 2.20 | 0.46 | 0.62 |
| Stock-based compensation / revenue | 3.8% | 0.0% | — |
| SG&A / revenue | 15.2% | 15.1% | 17.0% |
| Efficiency | |||
| Days sales outstanding | 368.8 | 782.8 | 659.3 |
| Days payables outstanding | 251.1 | 175.1 | 182.7 |
| Cash conversion cycle (days) | 117.7 | 607.7 | 476.6 |
| Receivables turnover | 0.99 | 0.47 | 0.55 |
| Payables turnover | 1.45 | 2.08 | 2.00 |
| Asset turnover | 0.23 | 0.20 | 0.23 |
| Average receivables | $279.4M | $438.3M | $362.8M |
| Average payables | $67.4M | $58.7M | $61.1M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% |
Computed from AII's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
AII valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), American Integrity Insurance traded at 3.6 times earnings. Based on the latest twelve months, the trailing P/E is 6.2 and the forward P/E is 7.9. American Integrity Insurance earned a return on equity of 39.9% in fiscal 2025. It ended the year with $1.1 million of debt and $374.4 million in cash and short-term investments, a net cash position of $373.3 million. It returned $22.9 million to shareholders: $22.9 million in dividends and $0 in share buybacks, 17% of free cash flow.
See the AII income statement, the AII chart for price history, or the AII stock overview for the latest quote and news.
AII key metrics FAQ
What is American Integrity Insurance's P/E ratio?
American Integrity Insurance's trailing P/E ratio is 6.2 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 7.9. At the end of fiscal 2025 it was 3.6.
What is American Integrity Insurance's return on equity?
American Integrity Insurance's return on equity (ROE) was 39.9% in fiscal 2025: net income of $99.6 million on average shareholders' equity of $249.7 million.
How much debt does American Integrity Insurance have?
American Integrity Insurance had total debt of $1.1 million at the end of fiscal 2025, a debt-to-equity ratio of 0.00 and more cash than debt.
What is American Integrity Insurance's dividend yield?
American Integrity Insurance paid $22.9 million in dividends in fiscal 2025 ($1.33 per share), a payout ratio of 23.0%.
What is American Integrity Insurance's free cash flow yield?
American Integrity Insurance generated $133.2 million of free cash flow in fiscal 2025, a free cash flow yield of 37.1% on its market value at year-end ($359.0 million).
What is American Integrity Insurance's current ratio?
American Integrity Insurance's current ratio was 92.89 at the end of fiscal 2025: current assets were 92.89 times current liabilities.