American Integrity Insurance Group, Inc. (AII) Stock — Forensic Analysis, Red Flags & Rating | Stockonomy · Stockonomy
Forensic Analysis · General / Diversified · as of Jun 28, 2026
American Integrity Insurance Group, Inc. (AII)
A forensic read on American Integrity Insurance Group, Inc. built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.
A · High-quality compounder
Forensic grade
Clean
Earnings quality
2
Forensic signals
4.5
P / E (ttm)
25.2%
ROE
$367M
Market cap
American Integrity Insurance Group, Inc. earns a A (High-quality compounder) forensic quality grade. 2 forensic signals were flagged in its latest SEC filings, led by accruals ratio.
What the filings flag
+231.6%Accruals ratio.Net operating assets grew +231.6% relative to their average in FY2025 — the accrual component of earnings. Accruals are building sharply — a large slice of profit sits in operating assets, not cash; Richardson/Sloan link high accruals to weaker future returns as they reverse. The cash-flow cross-check agrees: reported earnings ran behind operating cash by -62% of net operating assets.
+33.6%/yrShare-count dilution.Diluted share count changed +34% over the last 1 years to FY2025 (+33.6%/yr). The count is GROWING — existing holders are being diluted. That's ~33.6% shaved off per-share growth every year — total profit has to grow that much just to keep earnings-per-share flat, and a stake held since FY2024 has been diluted ~34%.
Key fundamentals
Net Margin36.0%
Debt / Equity0.00x
Free Cash Flow$133.2M
Latest Revenue$276.5M
Return on Equity29.6%
Revenue Growth YoY+35.3%
Go deeper — free with an account
The forensic grade and screens above are free — no account needed. An account adds the full interactive deep-dive on American Integrity Insurance Group, Inc.:
🔒The written investment read — what the numbers mean, in plain English
🔒Ask anything about AII's filings — AI Q&A across the 10-K, 10-Qs & 8-Ks
🔒Interactive valuation — reverse-DCF sliders, Monte Carlo & scenario stress
🔒Calibrated 12-month price forecast, with the math shown