Is AFG or AII more undervalued in 2026?

CirclFi compares American Financial Group, Inc. (AFG) and American Integrity Insurance Gr (AII) using 13 institutional-grade valuation models. AFG has a Quality of Company score of 8.5/10 while AII scores 8.4/10.

Which is a better buy — AFG or AII?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AFG and AII valuations compare?

AFG at $132.00 and AII at $16.60 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AFG vs AII Valuation Comparison 2026 — Intrinsic Value Analysis

AFG

Insurance - Property & Casualty

American Financial Group, Inc.

Quality

8.5

out of 10

Value Trap

SAFE

Price

$132.00

Last close

Models

12/13

Active

AII

Insurance - Property & Casualty

American Integrity Insurance Gr

Quality

8.4

out of 10

Value Trap

—

Price

$16.60

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	AFG Fair Value	AFG Upside	AII Fair Value	AII Upside
Bayesian DCF	Intrinsic	$205.96	+56.0%	—	—
Earnings Power Value	Intrinsic	$78.47	-40.6%	$44.21	+166.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$274.46	+107.9%	$76.58	+361.3%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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AFG vs AII — Which Stock Is More Undervalued?

AFG scores higher with a 8.5/10 quality rating vs AII's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing American Financial Group, Inc. (AFG) and American Integrity Insurance Gr (AII) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AFG currently trades at $132.00 with a QOC of 8.5/10, while AII trades at $16.60 with a QOC of 8.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).