Stock Ratings / Financials / AII / options

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American Integrity Insurance Group Inc. (AII) Options Positioning, Max Pain & Unusual Sweeps

$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

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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±6.7%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (AII)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for AII.

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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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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?

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.

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

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).

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

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.

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

What is AII's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for AII.

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