American Integrity Insurance Group, Inc. (AII) Fair Value 2026

AII · Insurance - Property & Casualty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.7 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, American Integrity Insurance Group, Inc. (AII) trades at $26.29, versus a $39.42 median fair value across its 5 active models — 50.0% above the current price. QOC: 8.7/10. Value Trap Risk: 0/100 (SAFE). 5/13 models active.

Key Facts

Ticker
AII
Price
$26.29
Quality Score
8.7/10
Value Trap Risk
0/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +50.0% upside with 19% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is American Integrity Insurance Group, Inc. (AII) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, American Integrity Insurance Group, Inc. (AII) appears undervalued as of : the median of 5 independent fair value estimates is $39.42, 50.0% above the current price of $26.29. Estimates range from $22.01 to $52.75. AII scores 8.7/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. AII’s +50.0% gap is wider than that market norm, and the Insurance - Property & Casualty sector median is -14.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy American Integrity Insurance Group, Inc. Stock in 2026? →

What Fair Value Does Each Model Give AII?

5 Intrinsic Value Models vs. Current Price ($26.29)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $39.42 +50.0%
Intrinsic · High Conviction
 $31.82 +21.0%
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What Is AII's Fair Value Range?

Spread across 5 independent models · $22.01 to $52.75

CirclFi's 5 active models place American Integrity Insurance Group, Inc. (AII) between $22.01 and $52.75 per share, a spread of 78% of the median. The median of that range — $39.42 — is the fair value CirclFi publishes for AII, against a current price of $26.29.

Low · Regime CrossHigh · ML-RIV
$22.01median $39.42$52.75
Where the range comes from
Most bearish modelRegime Cross-Sectional$22.01
Most bullish modelML Residual Income$52.75
Model agreement4 bullish · 1 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on AII, not a CirclFi price target. How each model works →

What Is American Integrity Insurance Group, Inc. (AII) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, American Integrity Insurance Group, Inc.'s intrinsic value is estimated at a median fair value of $39.42. At a current market price of $26.29, 4 of 5 active valuation models identify upside potential, projecting a median implied return of +50.0%. Notably, ML-RIV sees the most upside at +100.6% (fair value: $52.75), while Regime Cross is the most conservative at -16.3% ($22.01). The spread between these extremes — +116.9% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About AII?

5 of 13 models are currently active for AII. Of these, 4 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for AII is $39.42 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does AII Rank in Insurance - Property & Casualty?

Among 41 Insurance - Property & Casualty stocks, AII ranks #19 by Quality of Company score. CirclFi's QOC score of 8.7/10 evaluates 32 fundamental signals. A score of 8.7 places AII in the top tier.

As a underwriting business, American Integrity Insurance Group, Inc. operates in a sector where expense ratio is a critical driver of valuation. Investors evaluating AII should weigh these sector-specific dynamics alongside our model-derived fair values.

Is AII a Value Trap?

CirclFi's Value Trap algorithm assigns AII a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for American Integrity Insurance Group, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, American Integrity Insurance Group, Inc. is rated at 8.7/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +116.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every AII valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across AII's 5 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy American Integrity Insurance Group, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Property & Casualty Stocks Should You Also Analyze?

11 related Insurance - Property & Casualty stocks with 13-model coverage

CBChubb LimitedQOC 8.7ORIOld Republic International CorporationQOC 8.6MCYMercury General CorporationQOC 8.7UFCSUnited Fire Group, Inc.QOC 8.4THGThe Hanover Insurance Group, Inc.QOC 8.8WTMWhite Mountains Insurance Group, Ltd.QOC 8.4TRUPTrupanion, Inc.QOC 8.1NODKNI Holdings, Inc.QOC 6.7TRVThe Travelers Companies, Inc.QOC 9.1HCIHCI Group, Inc.QOC 9.9HRTGHeritage Insurance Holdings, Inc.QOC 9.7

Read investment analysis: CB · ORI · MCY · UFCS · THG · WTM · TRUP · NODK · TRV · HCI · HRTG

Which Other Stocks Have a Similar Quality Score to AII?

7 companies across all industries closest to AII’s Quality of Company score of 8.7/10.

CFGCitizens Financial Group, Inc.QOC 8.7INVXInnovex International, Inc.QOC 8.7IRDMIridium Communications Inc.QOC 8.7ATIATI Inc.QOC 8.7KRTKarat Packaging Inc.QOC 8.7IGICInternational General Insurance Holdings Ltd.QOC 8.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CFG · INVX · IRDM · ATI · KRT · IGIC · NVDA

What Else Do Investors Ask About American Integrity Insurance Group, Inc.’s Valuation?

What is American Integrity Insurance Group, Inc.'s intrinsic value in 2026?

CirclFi puts American Integrity Insurance Group, Inc. (AII)'s intrinsic value at $39.42 — the median of 5 independent model estimates as of 2026-08-27, ranging from $22.01 to $52.75. The Quality of Company score is 8.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is AII overvalued or undervalued right now?

At $26.29, 4 of 5 active models suggest AII may be undervalued, while 1 indicate potential overvaluation. The median of all 5 fair value estimates is $39.42, 50.0% above the current price of $26.29 — a consensus view that AII is undervalued. The assessment depends on which methodology best fits American Integrity Insurance Group, Inc.'s business model in Insurance - Property & Casualty.

What does a Quality of Company score of 8.7 mean for AII?

American Integrity Insurance Group, Inc.'s QOC of 8.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on AII?

CirclFi analyzes AII with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on AII?

Of the 5 models currently active on AII, ML Residual Income is the most bullish at $52.75 per share, and Regime Cross-Sectional is the most bearish at $22.01. CirclFi's published fair value for AII is the median of that range, $39.42, not either extreme. The gap between the two ends equals 78% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is AII a value trap in 2026?

American Integrity Insurance Group, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, American Integrity Insurance Group, Inc. (AII) has a median fair value of $39.42 — 50.0% above the current price of $26.29 — as of 2026-08-27.” Source: circlfi.com/stock/AII/ · Methodology
Primary sources for this AII valuation

Market data for AII as of ; valuations recomputed .

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