Stock Ratings / Financials / AII / earnings

ACIC (74) TIPT (45) GLRE (64) DGICA (69) ⌘ Pro Terminal →

American Integrity Insurance Group Inc. (AII) Next Earnings Date & Expected ±6.7% Move

$28.71 +2.54% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.91

American Integrity Insurance Group Inc. (AII) earns a Roarable Rating of B (Buy) with 75/100 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.

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate) →

ROARABLE B • BUY Cap $562.6M

📤 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 2026-11-01, 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 75/100 at a spot price of $28.71 (+2.54% 1D, market cap $562.6M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 18/20. Across 1096 tracked Financials issuers, AII ranks #44 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 ACIC and TIPT in the Financials sector?

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Within the Financials sector (Property-Casualty Insurers), AII carries a Roarable B (75/100 RQD), trailing P/E of 5.6x, gross margin of —, and ROIC of 29.6%. By comparison, ACIC (American Coastal Insurance Corporation) holds a B grade (74/100 RQD, P/E 4.8x, ROIC 85.0%, cap $516.7M) and TIPT (Tiptree Inc.) posts a D grade (45/100 RQD, P/E 18.0x, ROIC -6.8%, cap $627.2M). 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: Company leadership has skin in the game with net positive insider conviction.. 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: $28.91 (+0.70%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 48.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury 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 SNOWFLAKE RADARRw B · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+7.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AII)Realized 20D OHLCV Swing Band: ±6.7%

Deterministic 5-Pillar Attribution (75/100 Composite)

🔍 WHY AII SCORES 75/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (24% of score)

FRED Regime × Technicals: 94% of 52W Range • RSI-14 at 63.7 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (24% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$26.77+2.7% Next Q

Q2 (-2Q)

Grade B$27.50+4.8% Next Q

Q3 (-1Q)

Grade B$28.83-0.4% Next Q

Current

Grade B$28.71+7.4% Hist 90D α

Trajectory: B- (67) → B (75)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 75/100 (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 ($26.67) or 200D SMA ($20.87) invalidates the momentum regime and cuts Target Base ($30.91) toward Bear Floor ($23.54).

🎲 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 75%NO 25%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±6.7% Swing Band

±$1.92 Expected Swing

MODEL EARNINGS SETUP GAUGE

AII Quantitative Pre-Earnings Setup: 75/100

Trailing EPS: $5.08 • YoY Revenue Growth: 35.3%

Model Bullish Setup (75/100)Model Risk Weight (25/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$276.5M	$99.6M	$133.2M	52%
FY 2024	2024-12-31	$204.4M	$39.7M	$147.6M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating AII & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on AII
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

AII // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +46.48%⚡ TESTING RESISTANCE

2026-10-30O $29.16H $29.31L $28.64C $28.71VOL 194.1K

RES: $29.70SUP: $20.05SMA50: $26.67SMA200: $20.87

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

-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 (#33)

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 #44 of 1096 ⚔️ ACIC vs AII Full Matrix →

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

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, American Integrity Insurance Group Inc. (AII) ranks #44 by composite RQD confidence (75/100, grade B) and #679 by equity capitalization ($562.6M). 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 75/100 (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	75/100	5.6x	—	29.6%	+2.54%	$562.6M	Benchmark Subject
ACIC American Coastal Insurance Corporation	B	74/100	4.8x	—	85.0%	+0.55%	$516.7M	/acic-vs-aii →
TIPT Tiptree Inc.	D	45/100	18.0x	—	-6.8%	+0.06%	$627.2M	/tipt-vs-aii →
GLRE Greenlight Capital Re Ltd. (Class A)	C	64/100	6.4x	—	10.6%	+0.55%	$477.5M	/glre-vs-aii →
DGICA Donegal Group Inc. (Class A)	C+	69/100	8.8x	—	12.4%	+1.07%	$699.0M	/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?

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

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

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

AII last traded at $28.71 (+2.54% on volume of 228,110 shares), positioning the stock +7.65% above its 50-day simple moving average ($26.67) and +37.57% above its 200-day simple moving average ($20.87). Across its 52-week range of $16.19 to $29.52, AII sits at the 93.9% percentile with a 14-day RSI of 63.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.7% ($26.79 to $30.63).

AII Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is AII's next earnings date?

Based on SEC filing cadence, American Integrity Insurance Group Inc. (AII)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is AII stock expected to move on earnings?

Volatility modeling currently projects a ±6.7% event move for AII, spanning a range between $26.79 and $30.63.

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